Risk & Underwriting Analyst - HIH - Evernorth

About Evernorth Evernorth℠ exists to elevate health for all, because we believe health is the starting point for human potential and progress. As champions for affordable, predictable and simple health care, we solve the problems others don’t, won’t or can’t.

Our innovation hub in India will allow us to work with the right talent, expand our global footprint, improve our competitive stance, and better deliver on our promises to stakeholders. We are passionate about making healthcare better by delivering world-class solutions that make a real difference.

We are always looking upward. And that starts with finding the right talent to help us get there.

Risk & Underwriting Analyst-HIH Excited to grow your career? We value our talented employees, and whenever possible strive to help one of our associates grow professionally before recruiting new talent to our open positions. If you think the open position, you see is right for you, we encourage you to apply!

Job Description Summary This position is responsible for managing an assigned book of business within a designated market. Contributes to the achievement of market level sales goals while attaining strong earnings results. Acts with a sense of urgency to meet deadlines for all requests and deliver accurate underwriting packages of the highest quality.

Responsibilities

• Manages an assigned book of business, focused on attaining profitable growth, persistency, and earnings
• Performs case-specific risk assessments.
• Responsible for account level rate development and conducting customer negotiations with other underwriting areas and Sales on intermediate complexity book of business.
• Evaluates claim experience and analyzes total case profitability.
• Develop and monitor account earning plans to achieve growth and profitability.
• Develop strategic recommendations related to market competition, product development, and market pricing decisions.

• Assists Sales with customer presentations and acts as financial consultant on case-specific issues.
• Collaborates with product/pricing matrix partners to provide input on market level product and pricing needs.
• Ability to learn manual rating models and related pricing tools.
• Capacity to understand pricing adjustments and available plan designs.
• Basic understanding of logic and concepts of Experience Rating to develop claim costs.
• Ability to assess financial risk based on multiple information sources.

Qualifications

• Bachelor's degree or equivalent with 1- 3 years of work experience required.
• In-depth rating, product, and financial knowledge.
• Ability to make effective decisions based on knowledge of financial implications, both internal and external.
• Knowledge of factors that influence market and competitive conditions.
• Ability to assess financial risk based on multiple information sources

About Evernorth Health Services Evernorth Health Services, a division of The Cigna Group, creates pharmacy, care and benefit solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention and treatment of illness and disease more accessible to millions of people. Join us in driving growth and improving lives.