Underwrite Motor

Job Responsibilities

• Assess and analyze motor insurance risks for private cars, commercial vehicles, and fleet accounts in accordance with company underwriting guidelines and policies.

• Evaluate coverage terms, sum insured, premium rates, discounts, and special conditions based on the level of risk.

• Review insurance applications, supporting documents, and relevant information to ensure accuracy and completeness before underwriting.

• Prepare and review quotations and provide advice on underwriting terms and conditions to customers, agents, and brokers.

• Monitor and analyze underwriting performance by customer segment, distribution channel, vehicle type, and product, and recommend appropriate portfolio improvement strategies.

• Coordinate with Claims, Marketing, Agents/Brokers, Pricing, and other relevant functions to support Motor Insurance operations.

• Review risks that fall outside the authorized underwriting limits and coordinate with management or relevant functions for approval.

• Review policy renewals based on claims history, underwriting performance, and overall customer portfolio profitability.

• Support the development and enhancement of underwriting guidelines, insurance products, and processes in response to market conditions.

• Ensure all underwriting activities comply with company policies, applicable laws, and relevant OIC regulations.

• Prepare underwriting reports and analysis for management review and support business decision-making.

Qualifications

• Bachelor’s degree or higher in Insurance, Business Administration, Finance, Economics, Statistics, or a related field.
• 2–5 years of experience in Motor Underwriting or Motor Insurance.
• Strong knowledge of motor insurance products, underwriting principles, and risk management.
• Strong analytical skills with the ability to analyze portfolio performance, including Loss Ratio, Claim Frequency, Claim Severity, and Profitability.
• Good negotiation, communication, and coordination skills, with the ability to work effectively with agents, brokers, and internal stakeholders.
• Proficient in Microsoft Excel; experience with Data Analysis, SQL, Power BI, or insurance systems is an advantage.
• Good understanding of OIC regulations and requirements related to motor insurance.
• Detail-oriented with strong decision-making and problem-solving skills.
• Strong interpersonal and teamwork skills.
• Responsible, proactive, and able to work effectively under pressure and meet deadlines.

“ บริษัทฯ มีความจำเป็นในการเก็บรวบรวมข้อมูลส่วนบุคคลเกี่ยวกับประวัติอาชญากรรมของท่านเพื่อประกอบการพิจารณารับบุคคลเข้าทำงาน หรือเพื่อตรวจสอบคุณสมบัติของบุคคล ทั้งนี้ บริษัทฯ และบริษัทในเครือทิพย กรุ๊ป โฮลดิ้งตระหนักและให้ความสำคัญต่อความเป็นส่วนตัวของท่าน โดยบริษัทฯ จะประมวลผลและดูแลรักษาข้อมูลส่วนบุคคลของท่าน ตามประกาศนโยบายคุ้มครองข้อมูลส่วนบุคคลของบริษัทฯ โดยท่านสามารถศึกษาได้ที่ www.dhipaya.co.th ”