Commercial Property Underwriter - Zurich Asuransi Indonesia
Zurich Asuransi Indonesia · Jakarta, Indonesia
Sekilas tentang pekerjaan ini
Zurich Asuransi Indonesia mencari Commercial Property Underwriter untuk menilai dan mengelola risiko asuransi properti komersial serta menjaga profitabilitas portofolio. Posisi ini berlokasi di Jakarta dan ditujukan bagi kandidat dengan minimal 4 tahun pengalaman di Property Underwriting, Commercial Underwriting, atau peran asuransi serupa.
Tugas utama
- Menilai pengajuan asuransi properti komersial dan paparan risikonya.
- Menentukan harga, cakupan, ketentuan, deductible, dan batas polis.
- Meninjau laporan survei risiko dan merekomendasikan mitigasi.
- Mengambil keputusan underwriting sesuai batas kewenangan.
- Berkolaborasi dengan broker, agen, tim penjualan, dan klien.
Kualifikasi utama
- Sarjana di bidang asuransi, manajemen risiko, keuangan, bisnis, teknik, atau terkait.
- Minimal 4 tahun pengalaman di Property Underwriting atau peran asuransi serupa.
- Memahami prinsip asuransi properti komersial dan praktik underwriting.
- Mengetahui penilaian risiko, wording polis, metode penetapan harga, dan reasuransi.
- Memiliki kemampuan analitis, pengambilan keputusan, komunikasi, dan negosiasi yang baik.
Ringkasan ini dibuat dengan AI dari deskripsi di bawah. Yang berlaku adalah deskripsi lengkapnya di situs Zurich Asuransi Indonesia.
Deskripsi pekerjaan
Job Summary
The Commercial Property Underwriter is responsible for evaluating, analyzing, and underwriting commercial property insurance risks. This role ensures that all submissions comply with the company's underwriting guidelines while maintaining portfolio profitability and delivering appropriate insurance solutions to clients.
Required
- Bachelor's Degree in Insurance, Risk Management, Finance, Business Administration, Engineering, or a related field.
- Minimum 4 years of experience in Property Underwriting, Commercial Underwriting, or a similar insurance role.
- Strong understanding of commercial property insurance principles and underwriting practices.
- Knowledge of risk assessment, policy wording, pricing methodologies, and reinsurance concepts.Strong analytical and decision-making skills.
- Excellent communication, negotiation, and stakeholder management abilities.
Prefer
- Professional insurance certifications
- Experience underwriting Property All Risks (PAR), Industrial All Risks (IAR), Fire Insurance, or Engineering-related risks.
- Familiarity with insurance regulations and risk management frameworks.
Job Accountabilities - Key Accountabilities
- Review and assess commercial property insurance submissions, including office buildings, shopping centers, hotels, manufacturing facilities, warehouses, and other commercial properties.
- Analyze risk exposures based on factors such as location, construction type, occupancy, insured values, loss history, and risk controls.
- Determine appropriate pricing, coverage terms, conditions, deductibles, and policy limits.
- Review risk survey reports and provide recommendations for risk mitigation measures.
- Make sound underwriting decisions within delegated authority limits.
- Collaborate with brokers, agents, sales teams, and clients to assess insurance needs and provide underwriting support.
- Deliver technical underwriting guidance to internal and external stakeholders.