Underwriting And Product Development Manager

JOB ADVERT ZSIC General Insurance Limited is a leading provider of customer-centric general insurance solutions, committed to excellence, integrity, and strong corporate governance. As an equal opportunity employer and a proud member of the IDC Group of Companies, we continue to build a high-performance culture driven by professionalism, innovation, and excellent service. We are therefore inviting applications from suitably qualified, experienced, and results-driven professionals to fill the following position: UNDERWRITING AND PRODUCT DEVELOPMENT MANAGER Reporting to: Chief Technical Operations Officer JOB PURPOSE To provide strategic leadership and technical oversight in underwriting and insurance product development by ensuring sound risk selection, pricing discipline, and innovative product design that supports profitability, market competitiveness, regulatory compliance, and sustainable growth of ZSIC General Insurance Limited in line with the Strategic Business Plan. KEY RESPONSIBILITIES 1. Underwriting Strategy and Governance Develops, implements and reviews underwriting strategies, policies and frameworks across all classes of general insurance business. Ensures consistent application of underwriting standards, authority limits and pricing guidelines across Head Office and branches. Provides technical leadership and oversight to underwriting teams to ensure quality, consistency and risk discipline. Approves complex, high-value or non-standard risks within delegated authority levels. 2. Product Development and Innovation Leads the design, development and review of insurance products to meet market demand, customer needs and regulatory requirements. Conducts market research, customer analysis and competitor benchmarking to inform product innovation and enhancement. Works with actuarial, reinsurance, claims and business development teams to ensure products are commercially viable and technically sound. Oversees product pricing, policy wording development and pr