Job Description
...._________________________________
/ ..............................................................\\
/.......... BALIO • FOUNDING TEAM..............\\
| ------------------------------------------ |
| MANAGER: UNDERWRITING + CLAIMS......|
|....................................................................|
|.........._________ ....... _________ ................|
|......../.....DEEP.....\\.../ CLAIMS \\ .................|
|........| UNDERWRITING ⚖️ RIGOR ⚡ | .......|
|........ \\___________/ \\_________/ ..............|
|...................................................................|
|....Turn claim learnings → Robust UW.........|
|........Fewer gaps • better terms • trust... ...|
\\ ............................................................./
\\_________________________________/
Role Title:
Manager – Insurance Underwriter + Claims Expert (Founding Team)
Company:
Balio Insurance Broking Pvt. Ltd.
Location:
Bangalore (Full-time)
Reporting To:
Founder
Ideal Joining Timeline:
Within 30 days
About Balio
Balio is building the kind of insurance brokerage most people wish existed: client-first, sharply analytical, and obsessively ethical. We help businesses make smarter risk decisions - by helping them with risk control techniques and translating complex insurance into clear choices, negotiating better terms, and showing up when it matters (especially during claims).
We’re focused on high ownership and high standards, and we’re building long-term trust through tight processes, strong ethos, and technology that makes service faster, cleaner and robust. If you like solving real problems, hate jargon-as-a-shield, and want work where your output directly impacts clients and compounds over time - Balio will feel like where you belong.
Role Summary
This role is for someone who can
materially strengthen our underwriting and placement quality using deep claims insight.
You’ll work directly with the Founder to embed a
“claims-first” underwriting lens
across submissions, insurer negotiations, and policy T&Cs- so we place business that is genuinely
claim-ready
, not just competitively priced.
In addition, you will
own and service key claims end-to-end
, driving outcomes and continuously converting real claim learnings into better structuring, cleaner wordings, and fewer coverage gaps. The role also includes
active placement support
and
insurer relationship building
, making it a well-rounded position across underwriting, claims, and market partnerships.
Key Responsibilities (KRAs)
A) Underwriting & Risk Intelligence (Core)
Bring a
claims-first underwriting lens
to every submission: structure risks so the policy
responds cleanly at claim time
, not just looks good on premium.
Do insurer and market benchmarking: understand appetite, common exclusions, typical claim sticking points, and the real levers that move outcomes (wordings, warranties, deductibles, sub-limits).
Translate claims learnings into underwriting upgrades: flag “future dispute clauses” early and push for tighter, clearer terms.
Convert claim bottlenecks into underwriting handbook**:** Build and maintain a repository of real-life claims/placement cases across LOBs & Industries, extract sharp insights on what actually worked/failed, and ensure these learnings are systematically incorporated into future underwriting submissions and policy structuring.
Create crisp recommendation notes that highlight decision points and trade-offs (Option A vs B) and why it matters during claims.
B) Claims Leadership, Intelligence & Prevention (Core)
Own claims end-to-end and drive resolution through strong documentation, coverage interpretation, and negotiation/escalation.
Building relationship and connections with TPAs, Surveyors, and overall Insurer networks.
C) Placement & Partner Advisory
Support placements/renewals with a claim-friendly lens—negotiate for cleaner wordings, fewer gaps, and better outcomes.
Work to build Insurer relations
Success Metrics (KPIs)
Underwriting uplift:
measurable improvement in submission quality and “claims-first” structuring (cleaner wordings, fewer dispute-prone clauses, better alignment of exclusions/warranties/deductibles/sub-limits to real risk).
Claims-to-underwriting feedback loop:
recurring claim bottlenecks converted into underwriting upgrades (playbooks/checklists built; reduction in repeat failure points).
Claims intelligence:
measurable improvements in claim readiness (playbooks built, common failure points eliminated).
Insurer relationship strength:
smoother claims movement, better responsiveness, and stronger outcomes over time.
Reach higher accuracy:
through UW checklists for UW standardisation in quality policy structuring.
Educational Qualification
Minimum Requirement:
Graduate degree (any stream) with strong written communication and comfort with structured work.
Strongly Preferred (High-fit backgrounds):
Law (LLB) – strong interpretation skills for contracts/policy wordings
Management (MBA/PGDM) – structured execution, stakeholder management
Commerce/Finance (B.Com/M.Com/CA Inter-level exposure) – analytical discipline
Engineering / STEM – problem-solving orientation and process discipline
Proven Academic / Analytical Strength (What we look for) :
Evidence of
high-order analytical ability
: strong academics, competitive exams, rigorous projects, research/case competitions, or demonstrable problem-solving work.
Comfort with structured tools: spreadsheets, trackers, clear writing, and logical summarization.
Experience Requirement:
3+ years in Claims or associated functions with an Insurer/Broker/Surveyor.
