ABOUT US:

PolicyStreet Group is a full-stack insurance technology (insurtech) group of companies providing digital insurance solutions to businesses and consumers across Asia and Australia.

The Group operates through multiple entities across its key markets and business lines, including its insurance distribution, embedded insurance, and reinsurance arms. It partners with over 40 insurance and takaful providers globally to deliver employee benefits and group insurance solutions, insurance aggregation services, and digital infrastructure that simplifies insurance.

PolicyStreet Group is backed by leading venture capital firms Altara Ventures and Gobi Partners, as well as sovereign wealth funds Khazanah Nasional Berhad and Cool Japan Fund. The Group serves over 10 million customers with more than US$10 billion in sum insured. It was featured in the Financial Times and Statista's Top 500 High-Growth Companies Asia-Pacific 2026 list and named Most Disruptive Insurtech in Malaysia at the Insurance Asia News (IAN) Country Awards for Excellence 2025.

Reports to: Chief Underwriting Officer

You will lead technical underwriting and insurance solution development across RI Direct and Partnership opportunities. Your responsibilities will include risk assessment, coverage design, insurance and reinsurance structuring, and coordination of contractual implementation with Legal. You will also manage the Actuarial Manager's priorities and delivery while preserving their professional judgment over actuarial conclusions.

WHAT YOU'LL DO:

Lead underwriting assessments for new opportunities, identifying material risks and evaluating acceptability within approved appetite and delegated authority
Develop and evaluate coverage, exclusions, limits and risk allocation to create technically sound insurance solutions
Design insurance and reinsurance structures and assess the technical suitability of proposed insurers, reinsurers and other counterparties
Translate product requirements from Partnership into practical underwriting terms and insurance arrangements
Work with the Actuarial Manager to interpret pricing models, assumptions and sensitivity analysis, incorporating actuarial findings into underwriting decisions
Review policy and reinsurance wording and coordinate contractual implementation with Legal to ensure the intended coverage and risk allocation are reflected in the documentation
Participate in technical discussions with insurers, reinsurers, brokers and partners to resolve coverage, wording and structuring requirements
Establish and maintain underwriting assessment templates, technical approval records, referral criteria and underwriting guidelines
Monitor portfolio performance, including pricing adequacy, claims experience, exposures and emerging risks, and recommend appropriate underwriting actions
Report technical turnaround, rework, capacity constraints and material exceptions to the CUO, using case reviews and portfolio experience to improve underwriting practices

Requirements

WHAT WE EXPECT OF YOU:

At least five years of relevant general insurance or reinsurance technical underwriting experience, including assessment of non-standard risks or insurance arrangements
Demonstrated ability to develop and evaluate coverage, exclusions, limits, risk allocation and insurance and reinsurance structures
Ability to interpret pricing models, assumptions and sensitivity analysis and incorporate actuarial findings into underwriting decisions
Experience reviewing policy and reinsurance wording and working with Legal on contractual implementation
Experience managing technical priorities and supervising staff or leading technical projects
Strong analytical judgment, clear written documentation and the ability to explain technical recommendations to commercial stakeholders
Sound understanding of delegated authority, referrals and underwriting governance
Practical, commercially informed decision-making, with the ability to test assumptions, document rationale and escalate material exceptions promptly
Strong collaboration and delivery leadership, including the ability to prioritise competing demands and communicate dependencies early
Respect for professional actuarial judgment, combined with accountability for the technical stream's delivery and continuous improvement

NICE TO HAVE

Recognized insurance or actuarial qualifications, such as ACII, AMII or equivalent
Experience in affinity, embedded insurance, digital platforms or innovative insurance products
Exposure to cross-border arrangements, fronting structures and regional insurance and reinsurance markets
Experience establishing underwriting guidelines, technical controls and portfolio monitoring processes
Familiarity with product implementation, claims processes and data requirements for experience analysis

Benefits

PERKS YOU'LL GET TO ENJOY WHILE WORKING HERE!

Comprehensive Medical & Life Insurance - We've got you and your loved ones covered!
Flexi Health Perks - From health screening to traditional medicine, take charge of your well-being!
Focus WFA (Work From Anywhere!) - Dedicated days per year for deep-thinking work—whether it's at home, a café, or your favorite quiet spot. Work where you focus best!
Skyrocket Your Growth - Be a part of our non-stop learning opportunities to level up your skills!
Innovate, Collaborate, Elevate - Join an energetic team that makes every challenge exciting, every win rewarding, and every day a fun learning experience!

Join Our Team in Shaping the Future of Insurance

As a homegrown startup that seeks to innovate how we use and think of insurance, we value teammates who think big, challenge the old ways, and take extreme ownership.

In PolicyStreet, we aim to do better, to serve people better. We are committed to pushing boundaries of innovation and to develop Purposeful and Simple insurance solutions for businesses and consumers, narrowing the protection gap and improving financial inclusivity in the region.

If you are driven to make change, keen to be at the forefront of insurance innovation, and grow with a team of talented and motivated people, we'd be just as excited to get to know you too!

At PolicyStreet, we uphold the principles of equal opportunity and embrace diversity. We are committed to a workplace free from discrimination based on race, religion, colour, gender, sexual orientation, age, marital status, veteran status, or disability status.

Find out more about us via our website at www.policystreet.com.

Senior Manager, Technical Underwriting & Insurance Solutions