KSA Underwriting Lead Analyst - Cigna Healthcare

Role Overview

KSA Underwriting Lead Analyst at Cigna Healthcare. This role leads underwriting analytics and governance for the Kingdom of Saudi Arabia market, driving pricing, portfolio performance and process optimization across large corporate business.

Company Overview

The Cigna Group is dedicated to improving the health and vitality of those it serves through its divisions Cigna Healthcare and Evernorth Health Services, committed to enhancing the lives of clients, customers and patients.

Role Purpose

Own underwriting analytics, data governance, pricing strategy and portfolio performance monitoring for large corporate experience-rated business. Drive process improvements, ensure regulatory compliance, and provide strategic insights to support growth and profitability objectives.

Key Responsibilities

Experience-Rated Underwriting

• Evaluate, modify and price benefits for large corporate new business and renewal quotations in compliance with underwriting guidelines.
• Build effective relationships with sales and client management partners to win and retain business.
• Identify possible areas of improvement in the Large Corporate underwriting workflow.
• Collaborate with underwriters in other offices on regional opportunities.

Data Governance and Process Improvements

• Assess, validate and analyse datasets available for underwriting, with clear understanding of the underlying concepts.
• Ensure data governance and consistency across underwriting data pipelines and reporting tools.
• Drive automation of reporting tools and improve data models for scalable analysis.

Performance Monitoring and Reporting

• Develop and manage portfolio reporting across key underwriting, portfolio and financial KPIs.
• Conduct variance analysis (actual vs. expected, plan delivery, forecasts) and identify key performance drivers.

Portfolio Management and Optimisation

• Assess and challenge pricing strategies across business segments and channels.
• Evaluate the impact of pricing thresholds and decisions on growth, profitability and market standing.
• Support and own pricing frameworks and underwriting guidelines, including periodic review.

Business Insights and Stakeholder Management

• Provide analytical input into annual operating plans, forecasts and strategic plans.
• Identify structural performance gaps across segments, channels and locations, and translate data into actionable recommendations.
• Support cross-functional initiatives with Sales, Strategy & Planning, Actuarial, Finance and Operations.

Governance and Control

• Ensure effective embedded controls to detect inappropriate underwriting practices.
• Ensure underwriting policies, procedures and guidelines are implemented, enforced and periodically reviewed.
• Keep underwriting practices compliant with the latest regulatory requirements and Cigna standards.

Additional Information

Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.

If you require reasonable accommodation in completing the online application process, email SeeYourselfEMEA@cigna.com for support.