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Ethos is a life insurance technology company transforming how life insurance is bought, sold, and underwritten. The company operates a three-sided platform serving consumers, agents, and carriers, offering instant, accessible products with no medical exams required.
The Underwriting Quality Auditor role is responsible for ensuring accuracy, consistency, and compliance across the underwriting function. This is a quality assurance and continuous improvement position focused on auditing underwriting decisions and driving operational excellence.
Key responsibilities include:
- Conducting structured audits of underwriting cases to evaluate risk decisions, evidence utilization, and documentation quality against carrier guidelines and standard operating procedures
- Tracking and reporting quality metrics including error rates, decision accuracy, and SLA compliance
- Providing structured feedback and supporting coaching interventions for underwriters to improve performance
- Identifying trends in errors and evidence quality, escalating systemic issues to leadership
- Collaborating with the training team to identify and address training needs
- Contributing to process improvement initiatives, SOP enhancements, and automation projects
This role requires deep expertise in life and health insurance underwriting, with a focus on quality management and audit functions. The position demands strong analytical capabilities, attention to detail, and the ability to communicate findings effectively to both underwriting teams and leadership.
Requirements:
- Graduate or Postgraduate degree in Medicine or related field (M Pharma, Nursing, or MBBS preferred)
- More than 5 years of experience in Life or Health Insurance Underwriting with exposure to managing underwriting quality or audit functions
- Strong knowledge of APS (Attending Physician Statement), EHR (Electronic Health Records), and Lab Piq interpretation
- Solid understanding of US-based underwriting guidelines
- High attention to detail and strong analytical thinking skills
- Excellent communication skills for providing feedback and preparing reports
- Proficiency in MS Excel for trend analysis and scorecard development
