SR Director of Underwriting - LF & Ancillary

National Healthcare Solutions Group LLC•Dallas, TX

About The Position

National Healthcare Solutions Group (NHSG), a certified "Great Place to Work," is an enterprise of specialized healthcare administration and insurance services companies. Our portfolio includes domestic companies spanning third-party employee benefits administration, pharmacy benefits management, stop loss underwriting, and PPO network solutions. With decades of industry experience, our team is united by a single mission: standing with members through every moment and milestone in their healthcare journey. The Senior Director Underwriting for Level-Funded & Ancillary provides executive leadership and strategic oversight for all underwriting activities supporting level-funded medical plans and ancillary insurance products. This role is responsible for underwriting governance, pricing strategy, carrier alignment, risk management, and scalable underwriting operations across the MGU platform. The Senior Director partners closely with Sales, Actuarial, Operations, Stop Loss, Compliance, and Carrier partners to ensure profitable growth, underwriting discipline, regulatory compliance, and operational efficiency while supporting enterprise revenue objectives.

Requirements

Bachelor’s degree in Business, Finance, Risk Management, Actuarial Science, or related field required.
Minimum of 10 years of progressive underwriting experience, including senior leadership within level-funded medical plans, ancillary products, or MGU environments.
Demonstrated expertise in underwriting strategy, pricing, and risk management.
Strong understanding of stop-loss structures, carrier contracts, and reinsurance models.
Proven ability to lead cross-functional teams and influence executive stakeholders.
Excellent analytical, financial, and decision-making skills.
Strong written and verbal communication skills with the ability to convey complex underwriting concepts clearly.

Responsibilities

Establish and maintain underwriting strategy, pricing discipline, and risk tolerance for level-funded and ancillary product lines.
Approve underwriting guidelines, authority matrices, and escalation protocols.
Ensure underwriting decisions align with carrier agreements, actuarial assumptions, and enterprise financial targets.
Oversee pricing models, rate development, and underwriting assumptions to ensure sustainable profitability.
Monitor loss ratios, block performance, and risk trends; implement corrective actions as needed.
Partner with Actuarial and Stop Loss teams to manage aggregate and specific risk exposure.
Serve as executive underwriting liaison with carrier partners.
Ensure underwriting practices align with carrier requirements, reinsurance structures, and contractual obligations.
Support carrier negotiations related to underwriting authority, pricing models, and program performance.
Design and optimize underwriting workflows to support scalability, efficiency, and turnaround time targets.
Implement underwriting automation, controls, and reporting to improve accuracy and throughput.
Collaborate with Operations and Technology teams to enhance underwriting systems and data integrity.
Partner with Sales leadership to support growth strategies while maintaining underwriting discipline.
Provide underwriting guidance on complex cases, non-standard risks, and escalated opportunities.
Support RFPs, product development, and market expansion initiatives.
Ensure underwriting practices comply with federal, state, and carrier regulatory requirements.
Maintain audit-ready underwriting documentation and controls.
Partner with Compliance and Legal teams on regulatory filings, audits, and policy updates.
Lead, mentor, and develop underwriting leadership and staff.
Establish performance expectations, training standards, and succession planning for underwriting teams.
Foster a culture of accountability, collaboration, and continuous improvement.
May perform other duties as assigned.