Senior Underwriter

Hi, we’re Gravie, and we are building the health plan of the future. For the past few decades, the health insurance industry has evolved to serve the needs of employers, insurance companies, brokers, and (sometimes) doctors and hospitals. The needs of the consumer, however, have largely been left out of the equation. We’re changing that. We are rebuilding the entire health insurance stack, with the consumer as the central focus. Our goal is to create a health plan that people can love.   A Little More About Us

·       We know healthcare. Our company was founded and is still led by industry veterans who have started and grown several market-leading companies in the space. ·       We are quickly becoming one of the fastest growing health benefits companies in the country. We have received numerous awards and accolades, including Inc. Magazine Best in Business Gold Medal award in 2021, and JMP Securities Top 50 Private Companies in Insurtech in 2022. ·       We have raised money from top tier investors who share the same long-term vision as we do of building an industry defining company that will endure over the long run. We are well capitalized. ·       Our customers like us. Our revenue churn is in the low single digits, in an industry where greater than 20% churn is common. ·       Our culture is unique. We tend to be non-hierarchical, merit-driven, opinionated but kind people who thrive working in a high-performance, fast-paced environment. People at Gravie care deeply about making a positive impact in the lives of the people we serve. We may not be the right place for everybody, but if you get energized by doing work every day that focuses on putting consumers at the front of the line, we could be a great place for you. It takes unique people and diverse perspectives to deliver our results. We encourage you to be your authentic self – we like you that way.

A Little More About The Role   Gravie is seeking a Senior Underwriter for Gravie’s Comfort health plan and other proprietary insurance products. This role will take on complex business quotes and rate development central to the successful pricing of Gravie’s insurance business and will play a key role in helping Gravie win and retain customers.  The Senior Underwriter will also have risk review responsibility. Our industry-changing products and services are developed and delivered by a diverse group of unique people. We encourage you to be your authentic self - we like you that way.   You Will: ·       Use Gravie’s proprietary underwriting engine to offer competitive pricing for a first-of-its-kind health plan to employers and their employees across the country. ·       Coordinate the pricing for certain segments of new and renewal employer group cases on Gravie’s proprietary products within designated authority limits. ·       Coordinate and review Individual Health Questionnaires (IHQ) and partner with the Medical Underwriting team as needed to derive the cost projections for each individual enrolled in the plan. ·       Underwrite level-funded and self-funded cases with both individual and aggregate stop loss offerings, relying on claims experience, medical health questionnaires and other related data/information. ·       Review underwriting case preparation work from Associate Underwriters and Underwriters and request and/or add analyses as necessary to accurately assess risk and recommend pricing for cases. In some instances, you will be required to roll up your sleeves to review and synthesize a variety of materials related to employer groups’ health plan performance to prepare cases for underwriting review, as well as make recommendations to Underwriting leadership. ·       Support larger team by meticulously evaluating and completing risk reviews  ·       Use your experience to act as a mentor and coach to provide support to Associate Underwriters and Underwriters ·       Learn the ins and outs of Gravie’s proprietary underwriting engine; add your experience and judgment when underwriting cases; and contribute to the improvement and evolution of Gravie’s underwriting practices. ·       Work closely with Sales Operations, Actuarial and Analytics teams to support Gravie’s busy and growing pipeline of quotes successfully and efficiently. ·       Work closely with Account Management and Underwriting Leadership on strategies and pricing to support the retention of existing customers. ·       As assigned, support key Underwriting projects designed to drive efficiencies and automation to support the rapid scaling of the business.

You Bring: ·       Bachelor’s degree in Business, Finance, Economics, Statistics, Mathematics, Insurance or other related majors ·       5+ years of relevant group health fully-insured, self-insured, level funded, and/or stop loss underwriting ·       Strong analytical aptitude and problem-solving skills ·       Quantitative proficiency and a love of working with numbers ·       Strong Microsoft Excel skills ·       Excellent attention to detail ·       An appetite for learning and quickly putting what you learn into practice ·       Strong verbal and written communication skills ·       Habits of excellent organization, time management, and responsiveness ·       Decision making skills ·       A flexible attitude and ability to work independently and as part of a team ·       Demonstrated commitment to core Gravie competencies of being authentic, curious, creative, and results oriented   Extra Credit: ·       Background or interest working for a startup ·       Master’s degree or other related educational experience

Competitive pay is standard. Our unique benefits program is the gravy, i.e., the special sauce that sets our compensation package apart. In addition to standard benefits, Gravie’s package includes alternative medicine coverage, flexible PTO, up to 16 weeks paid parental leave, paid holidays, cell phone reimbursement, education reimbursement, and 1 week of paid paw-ternity leave just to name a few