Daycoval Seguros

Underwriter

• Analyze Life and Credit Life insurance proposals in accordance with underwriting policy.
• Assess individual and group risks within established authority limits.
• Perform calculations, classifications and validations for policy issuance.
• Support the definition of commercial and technical conditions.
• Monitor portfolio quality and underwriting indicators.
• Act on fraud prevention and resolve data inconsistencies.
• Interact with brokers, partners, banks and internal areas to resolve requests.
• Prepare management reports and portfolio analyses.
• Support reviews of products, processes and underwriting rules.
• Ensure compliance with internal policies and applicable regulations.

Senior Underwriting Analyst – Life and Credit Life

Pricing Analyst

• Develop a regionally segmented pipeline by identifying target obligors, adjusting commercial terms, flagging any existing bank relationships that facilitate contact, and reporting progress by squad;
• Submit requests for rate reductions;
• Generate insights for commercial managers to be addressed in meetings with brokers (via reports, presentations, etc.);
• Provide timely support to brokers for inquiries such as the obligor’s rate, whether a letter of appointment is required, and availability of leads (including via WhatsApp);
• Prepare data for retention processes, considering collateral negotiations and correctly submitting requests to the committee;
• Maintain recurring meetings to update brokers on lead status;
• Handle complex requests from obligors and/or brokers to reduce excessive email exchanges, clarifying exactly what is required to place the risk;
• Follow up on campaigns, support ongoing initiatives, and reinforce company communications;
• Handle requests below the commercial manager’s approval threshold, in accordance with the respective squad.

Senior Underwriting Analyst – Life and Credit Life

Mid-level Commercial Analyst – Surety Bond