Medical Underwriting expert (m/f/d) - Allianz - GERMANY

Job description

1. Strategic Evolution of Algorithms & Workflows

Refining Logic: Lead the further development and clinical optimization of our existing medical underwriting algorithms.
Product Roadmap: Work together with the Product Owner to prioritize medical enhancements and translate business requirements into medical logic.
Scale & Accuracy: Ensure our underwriting engine remains state-of-the-art and adaptable for various international markets.

2. Data Synergy & Evidence-Based Logic

Collaborative Analysis: Partner closely with our Data Team to validate medical assumptions against real-world data and refine our predictive models.
Data-Driven Insights: Use clinical expertise to help the data team interpret health trends and incorporate these findings into our underwriting tools.

3. Medical Risk Assessment & Advisory

Expert Judgment: Provide high-level medical expertise to assess complex health conditions and translate them into sustainable underwriting risks.
Internal Authority: Act as the primary medical consultant for our product teams, offering clarity on diagnoses, symptoms, and global medical developments.

4. Innovation & Quality Assurance

Continuous QA: Regularly execute and oversee quality assurance processes for our tools to maintain the highest level of clinical integrity.
E-Health Trends: Keep the team ahead of the curve by monitoring international e-health innovations and integrating new clinical standards into our systems.

Education: University degree in Human Medicine
Experience: 3+ years of professional experience in (strategy) consulting or within the Health Insurance sector (e.g., medical risk management, product development, or digital health).
Cross-Functional Expert: You have a proven track record of working effectively with Product Owners and technical teams. You speak "medicine" and "product" fluently.
Data Affinity: You have a strong understanding of medical data analysis. Experience with R, Python, or similar tools is a significant advantage, as is the ability to communicate complex medical concepts to a data team.
Analytical Strength: Excellent conceptual skills with the ability to think in "logical trees" and structured workflows.
Independence: A proactive "owner" personality who thrives in a fast-paced environment with flat hierarchies.
Languages: Excellent written and oral communication skills in both English and German are required.