Director, Underwriting Research & Development

Key to John Hancock’s success is maintaining the core competency of Underwriting expertise which relies on a strategy of continual enhancements to our proprietary underwriting approaches and keeping current with medical, lifestyle and technological advances that can further advance our underwriting expertise.

We are seeking an Underwriting Director with a history of making sound underwriting decisions, building strong relationships and communicating effectively to join us on our transformation journey to simplify the insurance process for our customers. This role is accountable for providing underwriting subject matter expertise, leadership and collaboration with cross‑functional teams comprised of actuaries, operations specialists, data scientists, and developers. The successful candidate will demonstrate proven research and development capabilities, project execution, out‑of‑the‑box thinking, and creative problem‑solving skills.

Job Responsibilities

• Oversee the research, analysis, and development of proposals for recommendations on the effectiveness of new data sources and underwriting techniques
• Collaborate with teams to develop innovative, data‑driven underwriting solutions and capabilities that ensure seamless experience for a broad customer base.
• Support product development work for targeted initiatives
• Analyze underwriting data through various studies and claims experience if applicable
• Prioritize project work, focusing on generating the most value for the business
• Keep abreast of external factors that may affect underwriting (e.g. medical and technical advancements, industry rules, compliance and regulations)
• Keep abreast of competitor actions and industry trends
• Work with internal stakeholders to recommend and implement underwriting guideline changes
• Provide oversight of relationships with external vendors, partners and technologies that support business capabilities
• Apply innovative thinking and creative problem‑solving to address complex underwriting challenges.
• Participate in management of mortality and risk monitoring, including post implementation and monitoring plans and outcomes
• Contribute to the continuous improvement of underwriting practices and procedures.
• Responsible for leading discussions to communicate recommendations, results and progress to senior leadership

Required Qualifications

• Advanced knowledge and experience of underwriting risk assessment - medical, non‑medical, financial
• Experience with project and tech implementations and owning the translation of business requirements to technology capabilities
• Highly engaged: able to self‑manage, create solutions, prioritize deliverables and execute projects under deadline pressure
• Excellent interpersonal, oral and written (technical) communication skills and comfort presenting to senior leaders on technical topics
• Ability to convey complex underwriting concepts to diverse stakeholders.
• Exceptional collaboration and presentation skills, demonstrated through experience working with various technical audiences and across multiple functions such as actuaries, medical, data scientists, operations, legal and compliance teams
• Mentorship and coaching of developing talent and team members
• Excellent MS Office Skills, Excel, Powerpoint, Teams and web tools
• Undergraduate and/or post graduate degree in science, medical or related field or minimum of 5‑10 years’ experience in underwriting and/or research experience
• FALU/FLMI a plus

When you join our team:

• We’ll empower you to learn and grow the career you want.
• We’ll recognize and support you in a flexible environment where well‑being and inclusion are more than just words.
• As part of our global team, we’ll support you in shaping the future you want to see.

關於宏利和恒康

宏利金融公司是一家業界領先的國際金融服務商，致力於幫助人們實現「輕鬆投資理財，樂享豐盛人生」。若要進一步了解我們，請瀏覽

宏利是平等機會僱主

在宏利／恒康，我們擁抱多元。我們致力於吸引、培養及挽留和所服務客戶同樣多元的員工，並從而營造包容的工作環境，接納文化和個體差異。我們矢志維持公平的招聘、挽留、晉升及薪酬制度，我們管理的所有實踐及項目不會因種族、血統、原籍地、膚色、族裔、國籍、宗教或宗教信仰、信仰、性別（包括懷孕及其相關情況）、性取向、遺傳特徵、退伍軍人身份、性別認同、性別表達、年齡、婚姻狀況、家庭狀況、殘疾或受適用法律保護的任何其他因素而區別對待。

我們的首要任務是消除障礙，為員工提供平等就業機會。人力資源部代表將盡力為應徵過程中提出要求的申請人提供合理協助。申請人要求提供協助所分享的信息將會按照適用法律及宏利／恒康政策儲存及使用。應徵過程中如需協助，請聯絡 。

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Referenced Salary Location

美國,- 麻薩諸塞州 全職遠端工作

Working Arrangement

遠端工作

Salary range is expected to be between

$128,550.00 USD - $222,820.00 USD

Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job‑related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact for the salary range for your location.

Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short‑ and long‑term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.

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Company: John Hancock Life Insurance Company (U.S.A.)

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