Senior Underwriter

Gravie is seeking an experienced and strategic Senior Underwriter to lead pricing, risk evaluation, and underwriting strategy for our proprietary Comfort health plan and other level-funded/self-funded insurance offerings. This is a high-impact role that requires deep expertise in level-funded products, strong business acumen, and the ability to influence both internal stakeholders and external partners.

As a Senior Underwriter, you will independently underwrite Gravie’s most complex and high-value cases—including large groups and strategic partnerships—and serve as a technical expert in pricing and risk assessment. You will also take ownership of a block of business, working to manage performance and profitability across your assigned portfolio.

Beyond individual casework, you’ll play a central role in shaping Gravie’s underwriting philosophy, tools, and pricing models. You’ll mentor, train, and review the work of junior underwriters, act as a trusted partner to Sales and Leadership, and contribute to broader organizational efforts around product development, underwriting operations, and market competitiveness.

If you thrive in a fast-moving, data-driven environment and are ready to bring your deep underwriting expertise to a company that’s rethinking health insurance from the ground up, this could be the role for you.

YOU WILL:

● Use Gravie’s proprietary underwriting engine to produce, review, modify and approve rating output of underwriters within defined levels of authority.

● Provide extensive account and block of business pricing and product strategic options to internal and external partners which align with Gravie goals and objectives

● Rate the most complex level funded plans including partnership blocks of business, be accountable for block of business results.

● Communicate and negotiate pricing, products, and underwriting conditions directly with Sales and Account Management Teams, Gravie leadership, brokers and customers

● Serve as a subject matter expert on level-funded underwriting practices by reviewing and approving high-complexity cases

● Mentor and train junior underwriters; review their work and provide feedback.

● Develop and refine underwriting policies, pricing models, or workflow processes.

● Engage with executive leadership and sales leadership to support strategic growth initiatives.

● Play a key role in product development, pricing strategy, and market competitiveness analysis.

● Take on, and potentially lead, project work in addition to playing a technical role.

YOU BRING:

● 7+ years of underwriting experience in group health insurance, with deep knowledge of level-funded/self-funded products.

● Experience underwriting complex, large group cases and/or stop-loss arrangements.

● Strong leadership and decision-making capabilities.

● Skilled at negotiating and influencing skills to work with key stakeholders

● An ability to confidently articulate underwriting rationale to senior leadership or large broker audiences.

● A high degree of business acumen and understanding of healthcare trends.

● Bachelor’s degree Business, Finance, Economics, Statistics, Mathematics, Insurance or other related majors

● Advanced Microsoft Excel skills

EXTRA CREDIT:

● Professional designations

● Previous start up experience

● Experience with MARA or Gradient AI or other RISK modeling tools

● Master’s degree or other related educational experience

● Leadership experience

Gravie:

In order to transform health insurance and build a health plan everyone can love, we need talented people doing amazing work. In exchange, we offer a great overall employee experience with opportunities for career growth, meaningful mission-driven work, and an above average total rewards package.

The salary range for this position is $82,800 - $138,000 annually. Numerous factors including, but not limited to, education, skills, work experience, certifications, etc. will be considered when determining compensation.

Our unique benefits program is the Gravy, i.e., the special sauce that sets our compensation package apart. In addition to standard health and wellness benefits, Gravie’s package includes alternative medicine coverage, flexible PTO, up to 16 weeks paid parental leave, paid holidays, a 401k program, cell phone reimbursement, transportation perks, education reimbursement, and 1 week of paid paw-ternity leave.