Prudential Services Singapore Pte Ltd

office • SGP • director • Не указана

**This role is open to be based in either Singapore or Hong Kong.** The role leads the Group Health underwriting strategy, standards, governance and strategic priorities across local markets, with accountability for translating these into measurable improvements in portfolio quality, profitability, customer experience and underwriting effectiveness. The incumbent will set direction, make recommendations on material underwriting priorities and trade-offs, drive execution of the transformation agenda through analytics, automation and AI, and hold local markets and cross-functional partners accountable for agreed outcomes. The role is Prudential's Group Health thought leader for underwriting innovation, emerging risks and future underwriting models. The role's ultimate objective is not simply to improve risk selection, but to use underwriting as a strategic lever to expand access to Health protection while improving portfolio economics and customer experience. **Key Responsibilities** **Health Underwriting Strategy & Portfolio Performance** * Own, define and continuously evolve the Group Health underwriting strategy, minimum standards, governance framework, including principles for risk acceptance, decision authorities, quality assurance and portfolio monitoring. * Set clear underwriting priorities and performance expectations and drive alignment and execution across local markets to deliver profitable growth, improved customer outcomes and effective risk selection. * Establish the Group view of portfolio trends, underwriting performance and emerging health risks; determine required interventions and track delivery of agreed actions. * Own the strategic underwriting input into business planning, product design and market expansion, ensuring material risks, opportunities and trade-offs are explicitly addressed. * Lead cross-functional decisions on the balance between risk and growth, working with Distribution, Product, Actuarial, Finance and local market teams to establish underwriting strategies, guidelines and policies that deliver profitable growth, improve customer accessibility and maintain commercial competitiveness. * Define and maintain the Group Health underwriting philosophy, minimum standards and governance framework, including principles for risk acceptance, evidence requirements, decision authorities, exceptions, quality assurance and portfolio monitoring. **Health Underwriting Transformation & Innovation** * Own the roadmap, development and deployment of common Health underwriting tools, platforms and capabilities across local markets, with clear adoption and value-realisation measures. * Lead and be accountable for the Health underwriting transformation agenda, including the adoption of advanced analytics, automation, digital capabilities and AI. * Prioritise the underwriting innovation portfolio, secure alignment on investment and delivery, and scale proven initiatives across local markets to improve efficiency, consistency and customer experience. * Develop evidence-led approaches that responsibly expand insurability and access to Health protection, including simplified underwriting, alternative evidence, dynamic risk assessment and differentiated approaches for underserved or higher-risk customer segments * Set the data strategy and requirements for underwriting, including the effective use of claims, health and external data to enable more personalised and predictive approaches. * Maintain an external view of market developments and translate relevant insights into clear strategic choices and priorities for Prudential's Health underwriting agenda. **Product & Proposition Enablement** * Own the underwriting strategy and requirements for priority Health products and propositions, working with Product and Proposition teams to ensure solutions are commercially viable, customer-relevant and risk-aligned. * Provide underwriting leadership at key stages of product development, proposition design and market launch, escalating material risks and trade-offs where required. * Define and implement new underwriting models that enable simplified, accelerated and guaranteed-issue Health products while maintaining appropriate risk controls. * Determine the underwriting implications of emerging Health ecosystem opportunities and digital Health propositions, and set the conditions required for responsible adoption and scale. **Local Market Performance & Capability Ownership** * Own the Group assessment of underwriting maturity and capability gaps across local markets, agree priority interventions with market leadership and monitor delivery against defined outcomes. * Establish and lead the Group community of Health underwriting leaders, setting its agenda and using it to drive consistent standards, best-practice adoption and collective problem-solving. * Define the capability-building agenda and ensure delivery of targeted knowledge sharing, training and community-of-practice interventions, with measurable impact on underwriting effectiveness * Set Group Health underwriting strategy, minimum standards and strategic priorities, and partner with local market underwriting leaders to translate these into market-level plans and outcomes. Monitor performance, challenge deviations and escalate material risks or non-delivery through the appropriate Group governance forums. **Qualifications & Experience** * Bachelor's degree in Insurance, Actuarial Science, Health Sciences, Medicine, Business or a related discipline. * Significant senior leadership experience in Health underwriting, including accountability for underwriting strategy, portfolio performance or transformation across multiple markets or business units. * Deep understanding of health insurance risk management, underwriting philosophy, portfolio management and health business economics. * Proven experience leading underwriting transformation, digitalisation, analytics or AI-enabled initiatives. * Strong commercial acumen with the ability to balance growth objectives, customer outcomes and risk management considerations. * Experience influencing senior stakeholders and driving change across complex matrix environments. * Excellent strategic thinking, problem-solving and analytical skills. * Strong communication, stakeholder management and executive presentation capabilities.