Senior Stop Loss Underwriting Consultant - Remote Nationwide

UnitedHealth Group is a health care and well-being company that's dedicated to improving the health outcomes of millions around the world. We are comprised of two distinct and complementary businesses, UnitedHealthcare and Optum, working to build a better health system for all. Here, your contributions matter as they will help transform health care for years to come. Make an impact with a team that shares your passion for helping others. Join us to start Caring. Connecting. Growing together.

The Senior Stop Loss Underwriting Consultant will underwrite new business prospects as well as existing renewal groups with a larger view of the various blocks of business and how the block is managed from a risk perspective. This individual will underwrite effectively toward the achievement of Optum's Goals, including new business sales, renewal persistency and favorable loss ratio. The Senior Consultant will underwrite with quality and accuracy standards set by the Stop Loss Organization with focus on their blocks of business profitability and growth not just the rating targets. Work to achieve department production expectations: quotes, declines, total work units as well as profitability and management of their blocks.  Build and maintain good working relationships with TPAs, Broker Partners, sales teams and service teams.

 You'll enjoy the flexibility to telecommute* from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities:

• Analyze plan characteristics, assess experience as to frequency and severity of loss, assess current ongoing risks, utilizes established underwriting criteria, policies and methodologies to establish a profitable quote/pricing
• Gather, enter, and examine data and documentation necessary to develop pricing and assess risk
• Evaluate claims experience of current customers and prospects in accordance with production and timeliness standards
• Perform claims re-pricing analysis of external claims data (e.g., Large claims, Aggregate)
• Anticipate customer needs and proactively develops solutions to meet them
• Solves complex problems and develops innovative solutions
• Active in the development of business strategy
• Provides explanations and interpretations to others with a clear and positive approach
• Motivate and inspire other team members
• Subject Matter Expert and resource
• Works within policy and compliance constraints
• Leads projects involving cross functional areas
• Negotiate rates and plan options to optimize profit and growth for the book of business they are responsible for. Managing the book, not just each case
• Influences leadership to adopt new ideas, products, and procedures

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. 

Required Qualification:

• 8+ years of stop loss underwriting experience
• Intermediate level of proficiency in relevant system and software applications including Microsoft Office, risk analysis and pricing tools

Preferred Qualifications:

• Knowledge of the other departments within Stop Loss
• Ability to travel

Soft Skills:

• Proven negotiation skills and good communication skills
• Proven solid relationship building skills
• Proven excellent risk selection skills with problem solving abilities and critical thinking skills

*All Telecommuters will be required to adhere to UnitedHealth Group's Telecommuter Policy. 

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 to $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. 

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. 

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location, and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups, and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

   UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

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