Underwriting Rules Writer, Underwriting Strategies

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. 

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone. 

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families! 

About the role

Are you passionate about building best in class underwriting technology? The role seeks an experienced professional with the ability to execute underwriting rules design through coding and authoring. Your primary focus will be on developing and refining underwriting rules that are pivotal to our state-of-the-art life insurance underwriting engine. 

Additionally, you will contribute to the labeling of ground truth data, which is essential for our predictive underwriting models. Your work will have a direct impact on our customers, partners and our overall business, and you will play a key role in some of the exciting transformation projects that are underway.

Duties and Responsibilities:

• Co-author an automated underwriting rules ecosystem for the risk assessment process
• Responsible for maintaining and improving the underlying rules within the engine
• Maintain and update underwriting criteria that is systematically performed by the system for current products that are sold and/or administered through Ethos
• Continued review of evidence and synthesization of underwriting data from all sources
• Work with Head of Underwriting Strategies to assess business risk for changes to underwriting guidelines
• Solidify protocols for rule and system enhancements  
• Maintain appropriate documentation for underwriting criteria, guidelines and workflows 
• Ability to prioritize system decisions based on business need, business case and ROI
• Ensure end-user proficiency with new systems, programs, and applications across departments through onboarding training and regular updates
• To serve as a technical liaison between the Underwriting Strategy team and the IT team
• Serve as an underwriting rules expert for the Underwriting Strategy team
• Responsible for pre- and post- prod testing of underwriting updates, rules, and data sources
• Foster and encourage an environment of psychological safety
• Participate in the labeling of ground truth data, enhancing the accuracy and predictive power of our underwriting models.

Qualifications and Skills:

• 3-5+ years of life new business underwriting and case management experience
• Extensive experience with underwriting rules engines and rules management
• Comfortable working in an agile environment and leveraging systems such as JIRA
• An understanding of data and models in the underwriting process
• The ability to communicate results and needs among multiple parties
• A record of identifying opportunities and quickly delivering solutions 
• Desire to be a team player in a dynamic environment
• An obsession with the customer and ability to challenge the status quo
• Experience in ownership of end-to-end unit testing process
• Preferred Qualifications:
  • SQL/Python
  • Background in medical encoding or similar field related to life or health insurance, with an understanding of medical terminology and its application in life or health insurance domains.
  • /Familiarity with data labeling processes for machine learning models is a bonus.

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Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.