Underwriting Service Senior Specialist (Chuyên viên Cấp cao Dịch vụ Thẩm định Bảo hiểm)

Prudential's purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people's career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed.

A. Job Responsibilities

1) Underwriting technical and Innovative Underwriting Practices (Phương pháp thẩm định đổi mới)

. Underwrite new proposals/existing policies within approved authority

. Implement and adapt cutting-edge underwriting techniques that leverage emerging technologies (e.g., artificial intelligence, machine learning) to improve accuracy and speed in decision-making.

. Stay updated on industry trends and advancements, proposing and executing innovative solutions that enhance the underwriting process.

. Develop and update underwriting guidelines based on technical standards and market conditions.

2) Data Analytics and Risk Assessment (Phân tích dữ liệu v đánh giá rủi ro)

. Analyze underwriting and operational data to identify trends, risk patterns, quality issues, and automation opportunities.

. Prepare regular and ad‑hoc underwriting reports, dashboards, and management insights (e.g. decision mix, STP rate, TAT, rework rate, key risk indicators).

. Support post‑implementation reviews through data‑driven assessment of underwriting initiatives and process changes

3) Underwriting Projects, Automation, New Capabilities, Process Optimization (Dự án, tự động hóa, xây dựng năng lực mới, tối ưu hóa quy trình)

. Participate in underwriting‑related projects covering underwriting rules, systems, digital/AI initiatives, automation/STP, regulatory changes, and campaigns.

. Act as a business SME, working with IT, Operations, Compliance, Legal, Medical, and Distribution throughout design, UAT, and implementation.

. Contribute to the design and enhancement of underwriting automation and STP capabilities, including rule‑based logic, reflexive questions, automated decision paths, and exception handling.

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. Identify and eliminate inefficiencies within the underwriting workflow, promoting continuous improvement through process automation and digital solutions.

. Collaborate with cross-functional teams to streamline the underwriting process and enhance the customer experience.

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4) Perform other tasks assigned by manager

B. Job Accountability /

. Accountable for delivering accurate and timely underwriting decisions that align with company standards and risk appetite.

. Accountable for data‑driven analysis, underwriting projects, and automation initiatives to improve risk selection quality, operational efficiency, STP, and customer/agent experience through close cross‑functional collaboration.

. Responsible for tracking and reporting the effectiveness of new underwriting innovations and their impact on operational performance.

. Liable for maintaining up-to-date knowledge in systems, process and underwriting practices, contributing to the continuous evolution of the underwriting function.

Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.