Senior Associate Motor Underwriting

About the role

JazzSure Insurance, part of JazzWorld, is looking for a Senior Associate Motor Underwriter based in Karachi. The Motor Underwriting function balances sustainable growth with disciplined risk selection across conventional and window takaful business. You will manage motor underwriting across retail, corporate, bancassurance, leasing and affinity channels, guide junior team members and ensure compliance with underwriting, regulatory and reinsurance requirements.

Key responsibilities

• Evaluate private car, commercial vehicle, motorcycle and fleet proposals against underwriting guidelines, risk appetite, rating structures and acceptance criteria.
• Make underwriting decisions on acceptance, pricing, loadings, deductibles, exclusions, renewals and portfolio optimisation within delegated authority limits.
• Prepare quotations, renewal terms, policies, endorsements and cancellations, and support corporate, fleet, bancassurance, leasing, dealership and affinity business.
• Act as a technical underwriting resource for banks, leasing companies, brokers, dealers and sales teams.
• Ensure adherence to regulatory requirements, underwriting guidelines, treaty arrangements and AML/KYC rules, and support audit and governance activities.
• Prepare MIS and portfolio reports, suggest automation and process improvements, and support junior team members.

Required profile

• Bachelor's degree in Business, Commerce, Finance or a related discipline; an MBA, Master's degree or progress toward professional insurance qualifications (ACII, Cert CII, AIIP, PII) is an advantage.
• 1-3 years of experience in general insurance, including at least 1 year in motor underwriting.
• Exposure to window takaful motor, bancassurance, leasing portfolios, fleet underwriting or corporate motor business.
• Strong knowledge of motor underwriting principles, policy wordings, rating methodologies, vehicle valuation, depreciation and underwriting clauses.
• Working knowledge of SECP regulations, Takaful Rules, AML/KYC, Motor Third Party regulations and reinsurance practices.

Required skills

• Analytical, decision-making, stakeholder management and communication skills.
• Proficiency in MS Excel and insurance systems; Power BI experience is an advantage.

The application deadline is 9 November 2026.