Senior Underwriter / Data Analyst ( Bahrain Based) - Braxtone Group

The Senior Underwriter / data analyst plays a crucial role in supporting overall performance, efficiency, analyzing data results, evaluate and underwrite insurance risks in accordance with company policies and profitability targets while leveraging data analytics to monitor portfolio performance, detect trends, and support strategic decision-making.

This position bridges technical underwriting with data-driven insight, ensuring sound risk selection, loss ratio improvement, and operational efficiency.

DUTIES AND RESPONSIBILITIES :

• A. Underwriting & Risk Evaluation
• Assess and underwrite individual and fleet policies in line with Braxtone and insurer guidelines.
• Analyze policy applications, vehicle data, and client profiles to determine appropriate pricing and coverage terms.
• Ensure underwriting decisions maintain compliance with company risk appetite and reinsurance requirements.
• Review loss experience, claims frequency, and trends to adjust underwriting criteria or premiums.
• Collaborate with brokers and insurance partners to clarify underwriting conditions or exclusions.
• Recommend risk mitigation actions and re-underwriting for loss-making portfolios.
• B. Data Analysis & Reporting
• Collect, clean, and analyze data from claims, underwriting, and operations systems.
• Identify patterns affecting loss ratio, frequency of service, and claim cost by segment or partner.
• Develop dashboards and reports showing key performance indicators (KPI), including :
• Loss ratio by product and insurer
• Average cost per service or claim
• Policy utilization rates
• Portfolio growth by partner
• Support management in quarterly portfolio reviews and pricing model adjustments.
• Monitor Minimum Deposit (M&D) commitments and insurer performance against service volume targets.
• C. Process Optimization
• Recommend automation and workflow improvements for underwriting and data tracking.
• Work with IT to improve data integration between CRM, claims, and finance systems.
• Establish quality checks for data accuracy and consistency across departments.
• D. Compliance & Governance
• Ensure adherence to underwriting authorities, company policies, and local regulatory standards.
• Maintain confidentiality of partner and client data.
• Prepare audit-ready documentation for internal and external reviews.

Key Performance Indicators (KPIs)

Educational, Skills, and Experience :

Technical Skills :

Personal Competencies