Risk & Underwriting Associate Analyst Cigna Healthcare

Cigna Healthcare is a global health service company dedicated to transforming healthcare. With roots in the U.S. and operations in over 30 countries we serve more than 180 million customers and patients worldwide.
Ranked 14th on the Fortune 500 in 2026 Cigna is recognized as one of the most trusted and influential names in the industry.

Our mission is to improve the health well-being and peace of mind of those we serve.

Youll join a globally recognized organization where trust clear communication and a positive culture shape how we work. Our leaders are consistent approachable and supportive helping you maintain balance while doing meaningful work.

We look for people who thrive in collaborative environments care about meaningful change and want to grow in a company that puts people first. At Cigna Healthcare your work contributes to better care experiences and supports customers through important moments in their lives.

As a Risk and Underwriting Associate Analyst youll join the SME Underwriting team based in Glasgow supporting new business quotes and renewals across the SME book of business.

Youll assess financial risk monitor the performance of SME contracts and work with Sales and Client Management to discuss and negotiate terms. Youll develop an understanding of the international business unit and work across departments including Finance Actuarial Systems Legal Services and Operational teams.

Youll report to the Underwriting Senior Supervisor.

• Perform and review case-specific risk assessments within GEH identifying financial risks to support underwriting decisions.
• Negotiate terms with Sales and Client Management to support new business and renewal activity.
• Monitor account earnings plans to support growth and profitability.
• Analyse portfolio performance and provide detailed feedback to support effective portfolio management.
• Support Experience Underwriters with large group cases and manage complex schemes including partnerships top-ups and combined propositions.
• Mentor junior team members and support their development.
• Provide monthly reports to key stakeholders and work across relevant departments to support effective delivery.

• A high level of numeracy and the ability to identify and analyse existing or potential problems.
• Strong negotiation and influencing skills.
• Effective organisational and time management skills.
• Good knowledge of relevant processes procedures and systems alongside good business and product knowledge.
• Strong attention to detail and clear communication skills.
• The ability to take responsibility for achieving goals adapt when problems arise and work effectively in a fast-paced environment.

• Communication
• Negotiation and influencing
• Organisation and time management
• Attention to detail
• Problem identification and analysis
• Responsibility and adaptability

• Case-specific risk assessment within GEH
• Account earnings and profitability monitoring
• Portfolio performance analysis
• Business and product knowledge
• Knowledge of relevant processes procedures and systems
• Monthly stakeholder reporting
• Management of complex schemes including partnerships top-ups and combined propositions

• Competitive salary
• Multicultural and hybrid working environment
• Private Medical Insurance
• Employee Wellbeing Benefits
• Educational Development Program

About Cigna Healthcare

Qualified applicants will be considered without regard to race color age disability sex childbirth (including pregnancy) or related medical conditions including but not limited to lactation sexual orientation gender identity or expression veteran or military status religion national origin ancestry marital or familial status genetic information status with regard to public assistance citizenship status or any other characteristic protected by applicable equal employment opportunity laws.

If you require reasonable accommodation in completing the online application process please email: for support. Do not email for an update on your application or to provide your resume as you will not receive a response.