Senior Underwriter

About Curative

Curative is building the future of health insurance with a first-of-its-kind employer-based plan designed to remove financial barriers and make care truly accessible: one monthly premium with $0 copays and $0 deductibles*. Backed by our recent $150M in Series B funding and valuation at $1.275B Curative is scaling rapidly and investing in AI-powered service deeper member engagement and a smart network designed for todays workforce.

Our north star guides everything we do: healthcare only works when people can actually use it. That belief drives every decision we make: from how we design our plan support our members to how we collaborate as a team.

If you want to do meaningful work with a team that moves fast experiments boldly and cares deeply Curative is the place to do it. Were growing fast and looking for teammates who want to help transform health insurance for the better.

SUMMARY

Curative is reimagining health insurance - with straightforward pricing and $0 out of pocket costs with a baseline visit. Help us create a better healthcare experience for our members by making it easy & intuitive for them to access the care they need. We are seeking a Senior Underwriter to support Curatives pricing and underwriting processes. This role will interact directly with sales team members account management actuaries and insurance professionals and will be a key contributor as Curative expands and grows. This is an entry level job no experience necessary just a willingness to learn.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Provide final peer review of proposals to ensure accuracy and appropriateness before releasing to executive leadership and Sales
• Manage workflow between Sales and Underwriting to ensure timely delivery of high volume of proposals
• Partner with leadership to refine underwriting guidelines and procedures as Curative continues to expand
• Calculate new business and renewal rates for complex group cases using the template provided based on the analysis of a groups experience industry location and demographics.
• Mentor junior underwriting team members.
• Collaborate with Sales to determine effective pricing strategies to meet growth and profitability targets
• Develop retrospective reporting to track expected vs actual cost on a group specific level
• Support client contracting and account set up including validation that terms align with quoted parameters..
• Maintain strong relationships and lines of communication with internal and external stakeholders.
• Work adhering to US regulatory and Quality System requirements (21 CFR 820 etc).
• This position assumes and performs other duties as assigned.

QUALIFICATIONS
To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions:

• Analytical skills and creative problem-solving abilities with attention to detail.
• Able to translate and effectively communicate financial models and the results of underwriting analyses.
• Capable of working on multiple projects under tight deadlines.
• Excellent organizational and time management skills.

EDUCATION and/or EXPERIENCE

• Bachelors degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
• Knowledge of SQL queries a plus
• 1 to 3 years of health underwriting experience (Midmarket and level funding experience preferred)
• Experience with excel/google sheets
• Experience in insurance industry data analysis or data management a plus

WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this Job the employee is regularly required to sit; use hands to handle or feel; talk; and hear.
• The employee is frequently required to reach with hands and arms.
• The employee is occasionally required to stand; walk and stoop kneel crouch or crawl.
• Specific vision abilities required by this job include close vision distance vision color vision peripheral vision depth perception and ability to adjust focus.
• The noise level in the work environment is usually: Mild
• This positions location can be Austin or Dallas Texas

Perks & Benefits

• Curative Health Plan (100% employer-covered medical premiums for you and 50% coverage for dependents on the base plan.)

  • $0 copays and $0 deductibles (with completion of our Baseline Visit )

  • Preventive and primary care built in

  • Mental health support (Rula Televero Two Chairs Recovery Unplugged)

  • One-on-one care navigation

  • Chronic condition programs (diabetes weight hypertension)

  • Maternity and family planning support

  • 24/7/365 Curative Telehealth

  • Pharmacy benefits

• Comprehensive dental and vision coverage

• Employer-provided life and disability coverage with additional supplemental options

• Flexible spending accounts

• Flexible work options: remote and in-person opportunities

• Generous PTO policy plus 11 paid annual company holidays

• 401K for full-time employees

• Generous Up to 812 weeks paid parental leave based on role eligibility.