1,912 D O Insurance jobs in India

Job Role:

∙Sourcing of quotes for Non Health Products – Fire, Marine, Engineering & Miscellaneous

lines.

Draw up quotes for competitive insurance premiums

Negotiate and define the specific terms of insurance policies with insurance companies

Preparation of Quote comparative reports.

Building relationships with Public sector offices by visiting them regularly.

Liaise with specialists in Insurance companies to gather information and opinions

Assisting sales team in client interactions for large proposals.

Analysis loss exposures and determine underwriting alternatives

Keep detailed records of policies underwritten and decisions made

Skill & other Requirements:

Education – Graduate/Post graduate in any stream

Additional qualifications in Insurance stream would be preferable

Sound product knowledge across all products – Fire, Marine, Engineering

Ability to work independently and comfortable in engaging with CXOs of corporates

Self-driven, enthusiastic person with hunger to make it big.

Position: Insurance Specialist (SME – Claims, Underwriting & Compliance)

Location: India (Remote)

Employment Type: Full-Time

Schedule: Monday to Friday, Day Shift

Experience: 2+ Years in Insurance Operations, Claims Management, or Underwriting (experience with AI-driven insurance or digital tools preferred)

Company Description

Scry AI is a research-led enterprise AI company that builds intelligent platforms to drive efficiency, insight, and compliance. Our platforms Collatio®, Auriga®, and Concentio® streamline complex workflows by automating data extraction, validation, reconciliation, and delivering real-time intelligence.

We are seeking an Insurance Specialist (SME for our product suite) to strengthen claims accuracy, risk assessment, and compliance using Scry AI solutions. This role ensures efficiency, transparency, and customer trust in insurance operations.

Role Overview

As an Insurance Specialist, you will be responsible for managing insurance applications, claims processing, and policy administration while ensuring compliance with industry standards and regulations.

You will serve as a subject matter expert (SME) for Scry AI’s solutions such as Collatio® – Claims Automation & Fraud Detection, Auriga® – Real-Time Intelligence, and Concentio® – Data Intelligence, applying them to real-world insurance workflows.

This role requires both domain expertise in insurance operations and the ability to leverage AI-driven automation tools to improve efficiency, detect fraud, and enhance customer experience.

Key Responsibilities

Insurance Operations & Policy Management

• Review and process insurance applications, endorsements, and claims.
• Ensure underwriting decisions are consistent with policy guidelines and compliance requirements.
• Validate documentation and financial/medical records for accuracy and completeness.

AI-Driven Insurance Optimization (SME Role)

• Use Collatio® Claims Intelligence to streamline claims validation and detect fraudulent patterns.
• Apply Collatio® KYC & EDD for enhanced due diligence and compliance checks.
• Leverage Auriga® to query policy/claims data, generate reports, and provide real-time insights.
• Create automated dashboards for claims ratios, settlement times, and compliance metrics.

Compliance & Risk Oversight

• Ensure adherence to IRDAI guidelines and internal compliance standards.
• Identify risk trends across underwriting and claims, recommending preventive strategies.
• Maintain audit-ready records and compliance documentation.

Cross-Functional Collaboration

• Work with underwriters, claims examiners, and compliance teams to optimize workflows.
• Provide insights to product and engineering teams on insurance-related automation use cases.
• Support training and adoption of AI-powered insurance solutions.

Required Qualifications & Skills

• 2+ years of experience in insurance operations, claims processing, or underwriting.
• Strong knowledge of IRDAI regulations, claims practices, and risk management.
• Experience with AI/automation platforms for insurance processes is a plus.
• Proficiency in MS Excel/Google Sheets, insurance management systems, and compliance tools.
• Excellent analytical, problem-solving, and report-writing skills.
• Strong attention to detail with a customer- and compliance-first mindset.

Our Ideal Candidate

• Has both insurance domain expertise and enthusiasm for AI-driven transformation.
• Thrives in a compliance-driven yet customer-focused environment.
• Is proactive in identifying inefficiencies and applying AI to optimize insurance workflows.
• Comfortable working in a remote or hybrid setup.

Tip for Candidates

If you want to shape the future of AI-powered insurance operations and compliance, follow our page and stay updated on opportunities to grow with us.

Key Responsibilities

• Drive strategy, P&L, business growth, and distribution for the insurance vertical.
• Build and manage partnerships with insurers, brokers, and other ecosystem players.
• Lead end-to-end product lifecycle – design, launch, and scale innovative insurance products.
• Monitor portfolio performance, claims processes, and customer satisfaction.
• Collaborate with technology, risk, and operations teams to deliver seamless insurance journeys.

Qualifications & Skills

• MBA/CA or equivalent with 6–10 years’ experience in insurance, fintech, or banking.
• Strong understanding of insurance products, distribution models, and regulations.
• Proven track record of scaling insurance solutions and managing P&L.
• Excellent leadership, stakeholder management, and analytical skills.
• Exposure to digital-first/fintech environments preferred.

• Evaluate insurance applications for various lines of business, assessing risk factors.
• Analyze applicant information, including financial data, medical records, and other pertinent details.
• Determine appropriate policy coverage, terms, conditions, and premium rates.
• Ensure compliance with underwriting guidelines, company policies, and regulatory requirements.
• Communicate underwriting decisions and rationale clearly to agents, brokers, and internal stakeholders.
• Collaborate with claims departments to understand loss trends and impact on underwriting.
• Assist in the development and refinement of underwriting manuals and procedures.
• Monitor industry trends and best practices in underwriting and risk management.
• Identify and report on potential fraud or misrepresentation in applications.
• Contribute to the profitable growth of the assigned book of business.

• Bachelor's degree in Business, Finance, Economics, or a related field.
• Minimum of 5 years of experience in insurance underwriting.
• Strong understanding of insurance principles, risk assessment, and actuarial concepts.
• Proficiency in underwriting software and financial analysis tools.
• Excellent analytical, problem-solving, and decision-making abilities.
• Exceptional attention to detail and accuracy.
• Superior written and verbal communication skills.
• Ability to manage a high volume of applications efficiently.
• Professional certifications such as AU (Associate in Underwriting) or CPCU (Chartered Property Casualty Underwriter) are a significant advantage.

• Evaluate insurance applications to assess risk and determine eligibility for coverage.
• Analyze financial statements, medical reports, and other relevant documentation to underwrite policies.
• Determine appropriate policy terms, conditions, and premium rates based on risk assessment.
• Communicate underwriting decisions and rationale clearly to agents and policyholders.
• Adhere to company underwriting guidelines, regulatory requirements, and industry best practices.
• Review and re-evaluate existing policies to manage ongoing risk.
• Identify potential fraud or misrepresentation in applications.
• Collaborate with claims adjusters and legal departments as needed.
• Stay informed about changes in insurance laws, market trends, and risk management techniques.
• Maintain accurate and complete underwriting files and records.
• Provide guidance and support to junior underwriting staff.

• Bachelor's degree in Finance, Economics, Business, or a related field.
• Minimum of 3 years of experience in insurance underwriting.
• Strong understanding of insurance principles and risk assessment techniques.
• Excellent analytical, critical thinking, and problem-solving skills.
• Proficiency in underwriting software and Microsoft Office Suite.
• Detail-oriented with a high degree of accuracy.
• Strong written and verbal communication skills.
• Ability to work independently and meet deadlines.
• Relevant professional certifications (e.g., CPCU) are a plus.
• Must be able to work full-time and be physically present in Vadodara, Gujarat, IN .

• Evaluate insurance applications to assess risk exposure.
• Determine eligibility for insurance coverage based on underwriting guidelines.
• Analyze financial, medical, and other relevant data to accurately assess risk.
• Calculate and set appropriate premium rates to ensure profitability.
• Approve, decline, or modify insurance applications.
• Communicate underwriting decisions and rationale to agents and brokers.
• Develop and maintain knowledge of insurance products, regulations, and market trends.
• Collaborate with claims and actuarial departments to refine underwriting strategies.
• Ensure compliance with all applicable laws and underwriting policies.
• Review and recommend changes to underwriting guidelines as needed.
• Maintain accurate records of underwriting decisions and justifications.
• Provide guidance and support to junior underwriters or support staff.

• Bachelor's degree in Finance, Economics, Business, or a related field.
• Professional underwriting certifications (e.g., Associate in Underwriting - AU) are highly desirable.
• Minimum of 3-5 years of experience in insurance underwriting.
• Strong understanding of insurance principles, risk assessment, and pricing methodologies.
• Excellent analytical, quantitative, and decision-making skills.
• Proficiency in underwriting software and MS Office Suite.
• Strong attention to detail and accuracy.
• Effective communication and interpersonal skills.
• Ability to interpret complex data and make informed judgments.
• High level of integrity and adherence to ethical standards.

• Analyze insurance applications to assess risk factors and determine coverage eligibility.
• Evaluate financial data, historical loss information, and other relevant documentation.
• Apply underwriting guidelines and company policies to make informed decisions on policy acceptance or rejection.
• Calculate and set appropriate premium rates based on risk assessment.
• Communicate underwriting decisions and rationale clearly to brokers, agents, and internal teams.
• Review and interpret policy terms, conditions, and endorsements.
• Stay updated on industry trends, regulatory changes, and market conditions.
• Collaborate with claims and actuarial departments to share insights and improve risk management strategies.
• Maintain accurate records of underwriting decisions and policy details.
• Identify opportunities for business growth and retention by providing competitive underwriting solutions.
• Participate in training sessions to enhance knowledge of insurance products and underwriting techniques.
• Ensure compliance with all applicable laws and regulations.

• Bachelor's degree in Finance, Business Administration, or a related field.
• Proven experience in insurance underwriting, preferably in a specific line of business (e.g., property, casualty, life).
• Strong analytical and critical thinking skills.
• Excellent understanding of risk assessment principles and insurance terminology.
• Proficiency in using underwriting software and relevant databases.
• Strong communication and interpersonal skills.
• Ability to work independently and as part of a collaborative team.
• Detail-oriented with a high degree of accuracy.
• Knowledge of relevant insurance regulations.
• Professional insurance certifications (e.g., CPCU) are a plus.

• Evaluate insurance applications to assess risk and determine insurability.
• Analyze financial statements, credit reports, and other relevant data to evaluate risk exposure.
• Determine appropriate coverage terms, conditions, and premium rates.
• Ensure compliance with company underwriting guidelines and regulatory requirements.
• Communicate decisions and rationale clearly to insurance agents and brokers.
• Maintain accurate records of underwriting decisions and policy details.
• Stay updated on industry trends, market conditions, and new products.
• Collaborate with claims and actuarial departments to refine underwriting policies.
• Identify and report on potential fraud indicators.
• Contribute to the development and implementation of new underwriting strategies.
• Manage a portfolio of accounts and ensure timely processing of applications.
• Provide training and support to junior underwriting staff as needed.

• Bachelor's degree in Finance, Economics, Business Administration, or a related field. Professional certifications (e.g., CPCU, AAI) are a strong plus.
• Proven experience (3+ years) as an Insurance Underwriter or in a related risk assessment role.
• Strong understanding of insurance principles, underwriting practices, and risk management.
• Excellent analytical, critical thinking, and decision-making skills.
• Proficiency in underwriting software and MS Office Suite, particularly Excel.
• Strong communication (written and verbal) and interpersonal skills.
• Ability to manage multiple priorities and meet deadlines effectively.
• High level of integrity and attention to detail.
• Adaptability and willingness to learn new insurance products and markets.
• Experience in the insurance sector within Ghaziabad, Uttar Pradesh, IN or surrounding regions is beneficial.