• Underwriting Operations Management: • Implement underwriting philosophy, strategy, process and guidelines for all product lines in the business to ensure profitability and achievement of the set loss ratio targets. • Oversee the underwriting process, ensuring timely issuance of all insurance policies. • Review and approve underwriting submissions in line with set risk acceptance criteria. • Enforce efficient processes to ensure delivery of high-level customer service, enhance customer satisfaction and achievement of the set client retention ratio within the Underwriting Department. • Ensure compliance with regulatory requirements, internal and Group guidelines. • Risk Assessment and Analysis: • Conduct risk assessments and determine appropriate terms, conditions, and pricing for policies following the company’s risk appetite and ensure full compliance in line with regulations and Group’s risk appetite. • Ensure proper documentation and accurate risk evaluation. • Manage and monitor the risk portfolio to maintain profitability. • Reinsurance Management: • Design, implement, and manage the company’s reinsurance strategy to optimize risk retention and capital efficiency. • Establish reinsurance treaties and facultative reinsurance arrangements in line with the company’s needs and regulatory requirements. • Support timely collection of reinsurance premiums and work closely with the claims department to facilitate reinsurance claims processing and ensure timely recoveries from reinsurers. • Analyze the impact of reinsurance on the company’s profitability and solvency, providing insights to senior management. • Work with finance and actuarial teams to ensure accurate accounting of reinsurance premiums, commissions, and recoveries. • Continuously assess the global reinsurance market, emerging trends, and alternative risk transfer solutions (e.g., insurance-linked securities). • Recommend innovations or alternative strategies to improve the company’s risk management practices through reinsurance. • Policy Development and Review: • Develop and implement underwriting policies, guidelines, and procedures. • Review and update underwriting manuals, ensuring alignment with market trends and regulatory changes. • Continuously assess and refine underwriting standards to ensure they meet the company’s risk appetite. • Team Management: • Lead, train, and mentor the underwriting team to enhance their skills and performance. • Ensure proper workload distribution and efficient operations within the underwriting department. • Set and monitor performance objectives for the team, providing regular feedback and performance reviews. • Client and Broker Engagement: • Maintain strong relationships with clients, brokers, and distribution channels. • Handle complex underwriting cases and provide expert advice to brokers and agents. • Attend meetings with clients and brokers to discuss terms, policies, and address underwriting concerns. • Compliance and Reporting: • Ensure all underwriting processes comply with legal and regulatory requirements. • Prepare regular reports on underwriting performance, risk exposures, and portfolio analysis for management. • Analyze portfolio performance, identify potential areas of improvement, and recommend adjustments to underwriting guidelines. • Oversee audits and quality checks to ensure compliance with internal and external standards. • Product Development Support: • Collaborate with product development teams to create new insurance products and refine existing ones. • Provide underwriting insights during the product development process to ensure risk considerations are addressed. • Conduct market analysis to identify gaps and opportunities for new insurance solutions. • Financial Performance Monitoring: • Monitor the financial performance of the underwriting portfolio to ensure profitability. • Analyze loss ratios and claims trends to provide recommendations for improvement. • Work closely with the actuarial team to review pricing strategies. • Stakeholder Management: • Liaise with other departments, including claims, sales, and marketing, to align underwriting strategies with overall business objectives. • Act as a key contact for external partners, regulators, and industry bodies to represent the underwriting function. • International Business Partnerships. • Act as the key contact for Britam’s International Business partnerships and drive business growth with Britam’s International Business partners including CHUBB, AMENA etc • Innovation and Continuous Improvement: • Keep abreast of industry trends, innovations, and emerging risks to improve underwriting practices. • Recommend technological solutions or process improvements to streamline underwriting operations and enhance efficiency. • Perform any other duties as may be assigned from time to time.

• Education: A Bachelor’s degree in Business, Actuarial Science, Insurance, Risk Management, Business Administration, or a related field. A postgraduate qualification or MBA is an added advantage. • Professional Certifications: Certification in insurance-related programs such as ACII (Associate of the Chartered Insurance Institute), or equivalent professional qualifications. • IT and Analytical Skills: Proficiency in insurance management systems, underwriting software, and data analytics to support decision-making and optimize underwriting processes