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Ethos Life

Tech-driven online life insurance provider

Director – Life Underwriting

UnderwritingConfirmed live in the last 24 hours
Full-timeBengaluru, Karnataka, IndiaNo salary listedIn-person

About the Job

Requirements

  • 15+ years of experience in Life Insurance Underwriting, with strong people management experience.
  • Proven track record of managing production to standards at scale.
  • Proven experience managing large teams of 80–100+ members.
  • Experience building or leading underwriting teams, directly and/or across geographies.
  • Strong technical underwriting knowledge and data-driven decision-making.
  • Bachelor's degree required.

Responsibilities

  • Own underwriting production output, ensuring volume and quality targets are met.
  • Identify and recommend automation opportunities, including straight-through processing and AI-assisted case review, to increase throughput without compromising quality.
  • Partner with Underwriting Auditors to track audit findings and drive corrective action.
  • Ensure underwriting decisions align with guidelines, risk appetite, and regulations.
  • Lead and grow a team of underwriters and supervisors or managers.
  • Oversee onboarding and training programs and build career development pathways.
  • Drive a coaching culture and strong team retention.
  • Establish clear, measurable performance standards and productivity targets for underwriters and supervisors across productivity, quality, turnaround time, and compliance.
  • Drive performance against turnaround-time and service-level-agreement targets across case types.
  • Build reporting to track real-time production and service-level performance.
  • Resolve issues causing breaches and coordinate with Sales, Operations, and Claims on escalations.
  • Conduct regular performance reviews, using audit findings and production data to identify trends and root causes of underperformance.
  • Lead structured, constructive conversations on performance gaps, including formal Performance Improvement Plans where warranted.
  • Ensure consistency in performance evaluation standards across teams, especially in distributed or cross-geography setups.
  • Recognize and reward high performers to reinforce a strong performance culture alongside accountability.
  • Build and scale teams as business needs grow.
  • Manage capacity planning against volume forecasts.
  • Ensure consistency in underwriting practices across distributed teams.
  • Foster a culture of continuous improvement, experimentation, and openness to new technology.
  • Serve as the key underwriting point of contact for Sales, Operations, Compliance, and Engineering.
  • Represent underwriting in cross-functional meetings and influence stakeholders on process changes using data.

Desired Qualifications

  • Underwriting certifications such as LOMA or FALU.

About the Company

Ethos Life

Tech-driven online life insurance provider

Ethos Life offers online life insurance with a focus on simplicity and speed. What it does: Ethos provides term and whole life policies through an online platform, using partner carriers to issue coverage. How it works: Potential customers receive instant online quotes and can apply without a medical exam; the platform asks health and lifestyle questions to assess risk, with many applications approved in minutes. Revenue model: Ethos earns commissions on policies sold by its partner carriers. Value adds: Complimentary estate planning tools such as free wills and estate plans for eligible policyholders. How it differs from competitors: It eliminates medical exams, provides a fully online application process, and adds estate planning resources, positioning itself as a tech-driven, customer-friendly alternative in life insurance. The goal: Make life insurance easy to obtain and affordable for individuals and families while providing quick coverage and helpful planning tools.

Company size
1,001-5,000
Company stage
IPO
Headquarters
Austin, TX
Founded
2016

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