About the RoleWe are looking for an experienced underwriter to manage complex life and health insurance cases, provide technical expertise, and support sound underwriting decisions within a dynamic environment.This role involves handling high-impact cases, working closely with key stakeholders, and contributing to underwriting quality, consistency, and capability development.
Key ResponsibilitiesAssess and underwrite life and health insurance applications across new business and policy servicingManage complex, high-value, and non-standard cases, including post-claims investigations and sensitive casesProvide clear underwriting decisions and communicate requirements to relevant stakeholdersPartner with cross-functional teams (e.g. Claims, Reinsurance, Actuarial, Distribution) to resolve complex casesEnsure underwriting decisions are technically sound, well-documented, and aligned with internal policies and regulatory expectationsIdentify emerging risk trends and contribute to improvements in underwriting practicesProvide guidance and support to junior underwriters on complex casesSupport initiatives to strengthen underwriting quality and consistency
RequirementsAt least 8 years of experience in life and health underwritingStrong technical underwriting expertise with experience handling complex and non-standard casesFamiliarity with regulatory and governance requirements within the insurance industryGood stakeholder management and communication skillsAbility to exercise sound judgement in high-impact and sensitive casesDegree in Insurance, Biomedical Science, Life Sciences, or related discipline preferred
About the RoleWe are seeking a commercially minded Marine Underwriter to manage and grow a portfolio across Cargo and/or Hull & Liability lines. This role offers the opportunity to take ownership of broker relationships, underwrite complex risks, and contribute directly to portfolio performance.You will be part of a lean and collaborative team, with greater visibility and autonomy to make underwriting decisions and shape business outcomes.
Key Responsibilities
Underwriting & Risk ManagementUnderwrite new and renewal Marine risks (Cargo and/or Hull & Liability) within delegated authorityAssess complex risk exposures and determine appropriate pricing, terms, and coverage structuresHandle referrals and non-standard risks, providing sound underwriting judgement and solutionsEnsure underwriting decisions are aligned with risk appetite, governance standards, and market practices
Portfolio OwnershipManage and grow an assigned portfolio, with accountability for profitability, retention, and growthMonitor portfolio performance (loss ratios, rate adequacy, mix of business) and take proactive actionsIdentify opportunities to optimise portfolio composition and drive sustainable growthBroker Engagement & Business DevelopmentBuild and deepen relationships with key brokers and intermediariesActively manage pipeline, identify new opportunities, and support business development initiativesProvide technical underwriting expertise and responsive service to strengthen broker partnershipsStakeholder CollaborationPartner with Claims, Reinsurance, and Actuarial teams on complex or large risksContribute to underwriting initiatives, product enhancements, and process improvements
Requirements5–8 years of Marine underwriting experience (Cargo and/or Hull & Liability)Strong technical underwriting skills with exposure to complex or large risksExperience managing broker relationships and supporting business growthGood understanding of Marine insurance wordings, pricing, and market dynamicsCommercially driven with sound risk judgement and decision-making abilityStrong communication and stakeholder management skillsACII / ANZIIF or equivalent qualifications will be advantageous
We are looking for a driven Business Development Manager to drive business growth through client acquisition, relationship management, and strategic partnerships. This role is focused on expanding market presence, identifying new opportunities, and delivering revenue targets.
Key ResponsibilitiesDrive new business acquisition and build a strong pipeline of prospectsIdentify and develop opportunities across key customer segments and distribution channelsBuild and maintain strong relationships with clients, partners, and stakeholdersDevelop and execute sales strategies to achieve revenue and growth targetsConduct market analysis to identify trends, competitive positioning, and opportunitiesPresent solutions and proposals to clients, negotiating and closing dealsCollaborate with internal teams to ensure smooth onboarding and deliveryTrack and report sales performance, pipeline, and key metrics
RequirementsDegree in Business, Finance, or a related discipline5–8 years of experience in business development, sales, or client acquisitionProven track record in meeting or exceeding sales targetsStrong networking, negotiation, and relationship management skillsCommercially driven with strong market awarenessExcellent communication and presentation skillsExperience in financial services or insurance will be an advantage
About the RoleWe are seeking a Sales Capability Trainer to design and deliver structured training programmes to enhance sales effectiveness, product knowledge, and advisory competencies.
Key ResponsibilitiesDesign, develop, and deliver structured training programmes using blended learning methodologiesDevelop competency frameworks and assessment tools to support capability developmentFacilitate onboarding and structured training programmes for new hiresEvaluate training effectiveness and continuously enhance learning outcomesDevelop e-learning modules and support digital learning initiativesPartner with stakeholders to identify capability gaps and align training interventionsMonitor and report training KPIs and programme effectivenessEnsure training programmes align with regulatory and internal requirements
RequirementsDegree in any disciplineCMFAS M5, M9, M9A (and relevant certifications) is required3–6 years of experience in training, learning & development, or capability buildingExperience in financial services or an insurance environment preferredStrong facilitation, communication, and stakeholder management skillsAnalytical mindset with the ability to measure training effectiveness
Job DescriptionYou will be responsible for developing and maintaining quantitative risk models for both financial and non-financial risks in the company. You will use advanced analytical techniques to interpret large datasets, identify trends, and provide data-driven insights that support risk management decisions and to ensure regulatory compliance. You will also work closely with the internal data team or external consultants to develop AI tools for risk & compliance use cases.
Job Responsibilities:
Risk modellingMaintain and enhance models for assessing various types of risk, including stress-testing, ALM, liquidity, and credit risk.Conduct regular validation, model performance monitoring, and benchmarking of models to ensure accuracy, reliability, and regulatory compliance.Ensure clear and comprehensive documentation of model methodologies, assumptions, and results in accordance with internal standards and regulatory requirements.Risk Management InnovationUse data analytics/machine learning to improve management of non-financial risks, e.g. trending / indicators of operational risks, sales conduct/behaviour, detection of fraud/misconduct, etc.Work with internal and external teams in projects using AI or Generative AI tools to improve efficiency in risk & compliance work.Collaboration and communicationCross-functional collaboration: Work closely with stakeholders from business units to understand business needs and integrate business insights in risk models.Communication: Clearly and effectively communicate complex risk assessments and model findings to both technical and non-technical audiences.Strategic recommendations: Provide data-driven recommendations to help leadership make informed decisions and develop strategies for risk mitigation
Job RequirementsBachelor's or Master's degree in a quantitative field such as Finance, Economics, Statistics, Mathematics, or Data Science.At least 6 to 8 years of relevant experience Proficiency in programming languages like Python, R, or SAS for statistical modelling and data analysis.Knowledge of SQL for data extraction and manipulation.Experience with Prophet ALS would be a plus.Familiarity with various modelling techniques, including regression analysis, time series, and machine learning.Industry knowledge: basic understanding of risk management principles, regulatory frameworks (e.g., MAS RBC2) and financial markets is highly desirable.Strong communication and interpersonal skills.Excellent attention to detail and critical thinking abilities.Ability to work both independently and collaboratively in a fast-paced, dynamic environmentProfessional certifications such as FRM, CFA, or actuarial qualifications are a plus.Experience with IFRS 17 is preferred.
The role is responsible for ensuring that all outputs of the Distribution Management team are timely, accurate, and aligned with the expectations of internal and external stakeholders.
What You'll Do
Intermediary Lifecycle Management (Life & General Insurance)Oversee the end-to-end lifecycle management of all insurance intermediaries, including:Onboarding of new intermediariesIntermediary movements, including transfers, promotions, and demotionsOffboarding of intermediaries, including policy portfolio handling and transfer arrangements
Customer Service & Operational SupportOversee change-of-agent requests from policyholders across all business linesEnsure effective and timely resolution of operational queries and requests for assistance from internal and external stakeholders
Regulatory & Compliance OversightMonitor and administer debt recovery processes for internal distribution channelsOversee Do Not Call (DNC) Registry checks for distribution activitiesCoordinate annual licence renewal exercises for General Insurance (GI) agentsPrepare and submit intermediary-related reports to internal stakeholders, regulators, and industry associations within agreed timelinesHandle internal and external audits related to Distribution Support
People Management & Supervisory ResponsibilitiesGuide, mentor, and develop junior team membersReview and streamline existing operational processes to ensure relevance and efficiencyAssess and update processes to align with regulatory requirements and industry developmentsReview, maintain, and update Standard Operating Procedures (SOPs)
Other DutiesParticipate in User Acceptance Testing (UAT) for new systems and process enhancements to ensure operational readiness and regulatory complianceUndertake ad-hoc projects and assignments as required by management
What You'll NeedDegree or Diploma in any disciplineAt least 5 to 8 years of supervisory experience managing a team of 5 to 7 staff, preferably in Distribution Support, Operations, or AdministrationProficient in Microsoft Excel, including Pivot Tables, and experienced in mail merge processing
Key Competencies & AttributesStrong leadership capabilities with the ability to lead change and drive operational excellenceHighly organized, detail-oriented, and able to work effectively under tight timelines and pressureIndependent, self-driven, and results-orientedMeticulous with strong attention to detailExcellent interpersonal and stakeholder management skills, with the ability to influence across levels
The Manager, Business Submission is responsible for leading and overseeing the Business Submission team, ensuring timely, accurate, and compliant processing of customer onboarding, business submissions, and transaction approvals for Income’s majority-owned subsidiaries (e.g. IAFA).
What You'll Do
Customer Due Diligence (CDD) & OnboardingOversee and perform Customer Due Diligence (CDD) checks for all new customers onboarded through Income’s majority-owned subsidiaries (e.g. IAFA).Ensure CDD processes comply with prevailing regulatory requirements (e.g. MAS AML/CFT guidelines) and internal policies.Review and resolve CDD exceptions, escalations, and follow-ups with representatives and relevant stakeholders.
Business Submission & Transaction ReviewReview, follow up on, and approve Insurance and Capital Investment Scheme (CIS) transactions submitted by representatives prior to submission to product providers.Ensure all submissions are complete, accurate, and comply with regulatory, product provider, and internal requirements.Act as an escalation point for complex or high-risk cases and provide guidance to the team.
Reporting & Management InformationPrepare, review, and provide regular business submission and policy issuance reports to Income’s majority-owned subsidiaries (e.g. IAFA).Ensure reports are accurate, timely, and meet management and regulatory reporting needs.Identify trends, risks, and operational issues from reports and recommend process improvements.
Documentation & Records ManagementManage and maintain all documentation related to business submissions for Income’s majority-owned subsidiaries.Ensure documentation is properly controlled, up to date, and accessible to representatives as required.Implement and maintain document management standards, including version control and audit readiness.
Training & Representative SupportPlan and deliver induction training for newly appointed representatives, covering business submission processes, documentation standards, and key compliance requirements.Provide ongoing guidance and support to representatives on submission-related queries and issues.
Team Management & Process ImprovementLead, coach, and develop the Business Submission team to ensure consistent service quality and capability.Establish and monitor service level standards, turnaround times, and quality controls.Review existing workflows and implement process improvements to enhance efficiency, accuracy, and customer experience.
What You'll NeedDegree or diploma in Business, Finance, Accounting, or a related discipline.Minimum 5 to 8 years of experience in business processing, operations, compliance, or distribution support within the financial services or insurance industry.Prior team management or supervisory experience preferred.
Knowledge & SkillsStrong understanding of insurance and investment products, including CIS.Good knowledge of AML/CFT and CDD regulatory requirements.Strong attention to detail with the ability to manage complex and high-volume submissions.Excellent stakeholder management, communication, and training skills.Proficient in reporting, documentation management, and process improvement.
About The RoleThis role serves as one of Income's MAS Liaison Officers, acting as a key point of contact for regulatory engagements with the Authority. The incumbent will handle communications and interactions with regulators and assess new and revised regulatory requirements.
RequirementsRegulatory LiaisonAct as the regulatory liaison for the Monetary Authority of Singapore (MAS), managing the local regulatory risk profile and relationship with the MAS.Ensure the timely handling and consistency of all communications, interactions, inspections, and related matters with MAS.Review and validate responses from Business Units (BUs) to MAS queries, ensuring accuracy and completeness.Coordinate meetings and discussions with BUs and stakeholders on MAS-related matters.Support and manage preparations for MAS meetings, monitor supervisory expectations, and track commitments to ensure timely fulfilment.Build strong relationships with regulators and internal stakeholders.
Compliance MonitoringMonitor regulatory developments and evaluate their potential impact on the organisation.Ensure timely dissemination and provide concise summaries of new or revised regulations to relevant stakeholders.Track and report on regulatory commitments and supervisory expectations to ensure compliance and timely fulfilment.
Reporting and TrainingManage the preparation of various reports to Senior Management and the Board on various compliance matters.Assist in conducting compliance training for staff and representatives on regulatory compliance matters where necessary.
QualificationsAt least a Bachelor's degree or above in a relevant discipline (e.g. law, finance, accounting etc.)Any relevant professional qualifications or certifications are an added advantage.At least 5-8 years of experience in compliance-related work within the insurance or financial services industry, or in regulatory agencies.Prior experience in regulatory liaison work, either from an insurer or a regulator, will be considered an added advantage.Must be proficient in MS Office and its applications.
Responsible for driving profitable growth from a set of assigned intermediaries, including but not limited to Marine Portfolio. You will utilise your technical expertise to evaluate risks while simultaneously serving as a key point of contact for intermediaries to develop new business opportunities.
Responsibilities
Underwriting & Risk ManagementRisk Assessment: Evaluate, price, and underwrite new and renewal commercial lines business within authorised limits.Portfolio Oversight: Manage an assigned portfolio, ensuring profitability and maintaining desired loss ratios through disciplined risk selection and technical excellence.Quotations: Prepare quotations, endorsements, and renewals within the designated authority limit and in compliance with guidelinesTechnical Support on Marine Portfolio: Provide technical support to other underwriters on Marine Products Business Development & SalesRelationship Management: Cultivate and strengthen strategic partnerships with intermediaries.Market Growth: Execute sales and business development strategies to expand the customer base and achieve recruitment and premium targets.Pipeline Development: Identify new agency appointments and proactively find opportunities for cross-selling and up-selling across various lines of business. RequirementsMinimum 7 years of working experience in a similar capacityExperience in Marine Hull and/or Marine Cargo preferred Degree in any disciplinePassed BCP and ComGIAbility to multitask whilst being meticulous and working well unpressuredSelf-disciplined and able to work with minimum supervision
Summary:We’re looking for a driven Talent Acquisition Executive to support hiring for agency (agent) roles. If you enjoy fast-paced recruitment and have experience in agent hiring within financial services, this role will give you strong exposure to stakeholder management and high-volume hiring.
ResponsibilitiesManage end-to-end recruitment from sourcing to offer stagePartner closely with Hiring Managers to understand hiring needsDrive agent/agency hiring (financial consultants/distribution roles)Build and maintain strong candidate pipelines through multiple sourcing channelsScreen candidates and coordinate interviews efficientlyEnsure a smooth offer and onboarding process for new hiresMaintain accurate records in the ATS and support recruitment reporting
Requirements:Minimum 2 years of recruitment experience (in-house or agency)Experience in agent/agency hiring (e.g. insurance, banking, FA firms) will be an added advantageStrong sourcing and stakeholder management skillsComfortable working in a fast-paced, delivery-driven environmentGood understanding of Singapore hiring practices
