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.
The Senior Manager, Medical & Technical Excellence provides medical and technical leadership across underwriting and relevant claims matters for Affluent and mass-market segments. The role is accountable for strengthening medical governance, underwriting standards, decision quality, and risk discipline, including the independent review of complex, appealed, and declined underwriting cases.
The incumbent serves as a senior technical authority and partners with Medical Officers, underwriters, claims teams, reinsurers, product, distribution, and other key stakeholders to ensure fair, consistent, well-documented decisions aligned with PAMB’s risk appetite, regulatory requirements, and customer commitments.
KEY RESPONSIBILITIES:
1. Medical Governance & Technical Excellence
- Establish and govern medical and underwriting frameworks, guidelines, referral protocols, and quality standards across all business segments, ensuring alignment with regulatory requirements, risk appetite, and emerging medical evidence.
- Lead the independent governance and review of complex, appealed, and declined underwriting cases, ensuring decisions are fair, consistent, evidence-based, and well documented; provide clear technical rationale and escalate material exceptions through the appropriate governance forum.
- Provide authoritative medical and technical advice on complex underwriting and relevant non-health claims matters, including Personal Accident, Critical Illness, Total and Permanent Disability, and Death, while partnering with Health and Claims teams to support consistent and seamless customer outcomes.
- Build effective partnerships with reinsurers, hospital networks, medical specialists, LIAM, and other relevant stakeholders to resolve technical matters, inform product and campaign design, monitor emerging risks, and strengthen industry practices.
- Develop and execute annual training roadmaps and specialized programs to sustain technical capability and professional standards.
- Ensure consistent application of guidelines and frameworks through robust training and governance.
2. Affluent Underwriting Leadership
- Architect and lead the underwriting strategy for Affluent segments, ensuring alignment with risk appetite, regulatory standards, and service excellence.
- Build and mentor a high-performing team, setting technical standards and fostering innovation in digital underwriting solutions.
- Serve as the technical authority for complex Affluent cases, collaborating across business units to enable growth and differentiated customer value.
- Establish strategic partnerships with internal and external stakeholders to anticipate market trends, identify emerging risks, and proactively shape underwriting strategies.
3. Organizational Leadership & Change Management
- Support the transition to a future-ready structure, including organizational redesign, new role creation, and consolidation of functions.
- Foster a culture of technical excellence, innovation, and continuous improvement across underwriting and claims.
- Provide strategic leadership and guidance during organizational change, ensuring alignment with business objectives and regulatory requirements.
QUALIFICATIONS & REQUIREMENTS:
- Medical Degree (MBBS or equivalent)
- At least 10 years’ insurance experience in underwriting and claims.
- Deep expertise in risk assessment, medical underwriting, and claims adjudication.
- Experience in risk management, new business underwriting, and portfolio management.
- Strong digital/technology skills (AI, analytics, automation).
- Excellent medical and insurance product knowledge.
- Strong communication, stakeholder management, and organizational skills.
- Adaptable, resilient, and able to manage competing priorities.
- High integrity and discretion with confidential information.
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.
