BI Investigator at MiWay Insurance Limited

What will you do?

• The Investigator role is a pivotal, field-based role within our organization, responsible for the rigorous, objective investigation of high-complexity insurance claims. Serving as the primary link between the corporate claims department and the physical site of an incident, the Investigator plays a critical role in upholding the integrity of our insurance products and protecting the company against financial leakage. 
• This position is specifically designed to handle a diverse portfolio encompassing of Business/Commercial Insurance (liability, property damage, and commercial indemnity). The successful candidate will be expected to operate independently, maintaining a high degree of mobility and professional discretion.

What will make you successful in this role?

Minimum Qualification Required  

• Grade 12 / SAQA Accredited Equivalent (Essential)  
• VDQ (Vehicle Damage Quantifier) Qualification (Preferred)  
• Mechanical Engineering / Panel beating N2/ N3 level / (Advantageous)  

Minimum Experience  

• 2 - 4 years’ work experience in the following (Advantageous):  
• Workshop / Motor Industry experience  
• Front line / client relationship experience in a panel beating environment.  
• Practical panel beating, spray painting, mechanical and electrical experience.  
• Assessing experience at a short-term insurer  
• Estimating in a panel beating environment 

Deliverables include, but will not be limited to

Operations Management & Field Mobility  

• Manage the daily assessment schedule across the designated KZN area to ensure maximum efficiency and compliance with turn around-time (TAT) targets.  
• Carry out operational tasks by following established processes, ensuring all site visits and assessments are accurately logged.  
• Make fair, honest, and accurate cost-related decisions through the vehicle claim lifecycle at the point of assessment.  
• Accurate quantification, identification, and validation of vehicles based on physical inspection  

Customer Service  

• Provide a quality service to customers  
• Dealing with complex queries and investigating and resolving customer problems.  
• Consistently provide service in accordance with the pre-agreed service and functional standards.  

Client & Customer Management (External)  

• Help manage clients by carrying out standard activities and providing support to others.  
• Effectively engage with the customers and deliver service that goes beyond what is expected (more than just the claim).  
• Effectively build, maintain and manage relationships with service providers and customers.  

Continuous Improvement

• Contribute to reviewing existing operations in own area of work and generate new ideas to assist in identifying continuous improvements.  
• Conduct workload activities in most efficient and cost effective manner.  

Personal Capability Building  

• Develop and maintain excellent procedural or technical skills by participating in assessment and development planning activities as well as formal and informal training and coaching.  
• Internal knowledge and skills of industry methods and process not relying on partners / industry to advise and dictate.  
• Specialise in specialist vehicle knowledge and apply skills to optimise repair cost.  

Competencies Required

• Strong knowledge of vehicle repairs and insurance industry standards.  
• Excellent communication and negotiation skills.  
• Ability to work in a fast-paced environment and meet deadlines.  
• Strong analytical and problem-solving skills.

Knowledge and Skills

• Claims approvals and rejections
• Automotive Damage Claims
• Claims Management
• Claims Reporting
• Claims settlements