Commercial Uunderwriting Actuary
Seeking a Senior Commercial Health Actuary / Underwriter with deep group health insurance expertise to join our clients team as a high-level individual contributor. This is a mix of a technical role that blends actuarial pricing rigor with hands-on underwriting judgment, supporting group health insurance product lines. The ideal candidate has spent significant time on both sides of the house - building rates and developing models and underwriting complex group cases - and can operate independently as a subject matter expert across the commercial group business.Key ResponsibilitiesActuarial / PricingDevelop, maintain, and refine manual rates, trend assumptions, and pricing models for fully insured and level-funded group medical products across small group, mid-market, and large group segments.Lead experience studies, IBNR analyses, and loss ratio reviews to inform pricing adequacy and reserve sufficiency.Partner with product, finance, and reinsurance teams on rate filings, pricing, and regulatory submissions across multiple states.Build and enhance predictive models and risk scoring tools to improve case-level pricing accuracy and portfolio profitability.UnderwritingUnderwrite complex group cases Evaluate census data, claims experience, demographics, plan design, and stop-loss exposure to render final rate and risk decisions.Provide technical guidance and case-level review for junior underwriters; serve as an escalation point for non-standard or high-exposure quotes.Partner with sales, broker, and account management teams on renewal strategy, alternative funding options, and competitive positioning.Strategic / Cross-FunctionalAct as a bridge between Actuarial and Underwriting, ensuring pricing assumptions reflect real-world underwriting outcomes and vice versa.Identify trends in block performance, persistency, and competitive positioning; recommend pricing or guideline adjustments.Support leadership on strategic initiatives including new product development, market entry, M&A diligence, and reinsurance/stop-loss negotiations.QualificationsRequired6+ years of combined commercial group health experience spanning both actuarial pricing and underwriting functions.Experience in fully insured and self-funded / level-funded group medical products; familiarity with ancillary lines (dental, vision, life, disability) a plus.Strong command of manual rating, experience rating, trend analysis, IBNR, and stop-loss pricing.Demonstrated ability to underwrite mid-market and large group cases independently.Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics, or related quantitative field.ASA or FSA designation strongly preferred; MAAA a plus. Non-credentialed candidates with extensive equivalent experience will be considered.Proficiency in SQL, Excel, and at least one analytical language (R, Python, SAS, or VBA).