Kerja Sepenuh Masa, Underwriting SME (Life - Health) di KGiSL Federal Territory - Maukerja

Underwriting SME (Life and Health)

The role requires expertise in Life & Health underwriting . The individual will translate internal underwriting manuals, reinsurance (RI) guidelines, and decision rules into structured prompts and AI workflows, enabling scalable, consistent, and high-quality underwriting outcomes across markets. The candidate should have a good understanding of Generative AI, ensuring that AI outputs are clinically sound, risk-aligned, explainable, and regulator-ready. Expectation is to have a learning mindset to pick up AI skills such as prompt engineering.

The role will oversee the end-to-end delivery lifecycle for AI solutions, from use-case shaping and business requirement definition through testing, deployment, and performance optimization. It will ensure that solutions align with Group standards for architecture, governance, and AI while also meeting local Health business and regulatory needs.

Key Responsibilities:

1.Translation of UW Knowledge into AI Logic

Codify underwriting expertise into structured logic including:

Medical underwriting guidelines

Financial underwriting thresholds

Reinsurance treaty rules and limits

Ensure that prompts and AI outputs reflect:

Risk appetite and underwriting philosophy

Market-specific regulatory and product requirements

Work closely with underwriting SMEs to validate AI behavior and outputs

2.AI Underwriting Journey Design

Work with AI Engineers to design end-to-end decision flows

Define sequencing, triggering, fallback handling, and escalation to human underwriters

Establish human-in-the-loop mechanisms for complex or low-confidence cases

Work with AI and tech teams to launch the new AI solutions developed

 3. Governance, Risk & Compliance

Ensure prompt design adheres to:

Internal underwriting governance frameworks o Auditability and traceability requirements

Regulatory expectations (e.g., BNM, regional insurance regulators)

Support development of AI governance controls, including:

Documentation of prompt logic and decision pathways

Monitoring for bias, drift, and inappropriate outputs

Incorporate principles of fairness, transparency, and ethical AI usage

 4. Multi-Market Reuse & Localization

Develop reusable core logic components with localization overlays

Ensure scalability across markets with minimal rework

 5. Continuous Improvement & Testing

Design and execute structured testing (A/B testing, case replay, scenario testing) of prompt effectiveness

Analyse discrepancies between AI outputs and human underwriting decisions

Drive continuous refinement of:

Prompt structures of Input data frameworks

Maintain version control and performance tracking of prompt libraries

Desired Skills:

AI technical understanding:

Prompt engineering concepts and best practices

AI-driven decision-support systems

Familiarity with: Rules engines and decision logic frameworks; Data inputs required for underwriting (medical, financial, product); Ability to translate business rules into structured logic.

Logical thinking is essential.

Mandatory skills:

Good understanding of:

Medical and financial underwriting processes

Underwriting manuals and guidelines

Reinsurance (RI) manuals, treaties, and limits

Underwriting rules engines / automated decision systems

Experience in:

Complex case underwriting (medical/high sum assured preferred)

Underwriting governance, audit, and compliance frameworks