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  • Posted: Mar 4, 2026
    Deadline: Not specified
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  • Santam Limited is the largest short-term insurer in South Africa, with a market share in excess of 22%, providing short-term insurance products through broker networks and direct sales channels. The company was established in 1918 and offers personal, commercial, and corporate insurance solutions. Santam is a subsidiary of Sanlam Limited and has been listed ...
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    Commercial & Personal Underwriter - Riscor

    What will you do

    • The incumbent will be responsible for commercial lines above mandate authorizations.
    • The incumbent will also be responsible for commercial lines transactional functions which includes broker appointments, cancellations, reinstatements, refund calculations etc. in support of the company’s objectives regarding profit and growth. Coaching and upskilling of broker staff/system users.
    • What will make you successful in this role?
    • Manage allocated portfolio growth, retention, profitability, and any other business relevant factors and agreed growth plan
    • Reporting on performance against agreed targets 
    • Identify and develop sales opportunities and retaining existing business.
    • Ensure a consistent and detailed understanding of the sales targets, goals, performance levels, products, business rules and conditions
    • Ensure a consistent detailed understanding amongst brokers of their growth targets, goals, performance levels and available products
    • Establishing strategies to further grow the portfolio and contribute ideas, leadership and innovation 
    • Utilize technology to manage data and the performance of the portfolio under management 
    • Analyze data and regularly ensure that rating structures are aligned with products, underwriting criteria and risks.
    • Identify and drive areas of service levels opportunities (review administration procedure in broker office)
    • Engaging with underwriting, and finance teams etc.
    • Serves as the primary contact for operations, systems, training, audits as well as liaison for resolving issues
    • Ensure alignment of quality standards and alignment of business processes 
    • Ensure brokers operate within agreed mandates and authorizations.
    • Comply with corporate governance policies, procedures and standards
    • Identify and drive opportunities to improve and enhance product and service offerings 
    • Keep abreast of market conditions and trends and relevant industry regulations 
    • Ensuring credibility with brokers by maintaining detailed knowledge of current market conditions and competitors’ products
    • Resolve broker complaints and queries where necessary
    • Drive increased utilization of online and any other self-service platforms 
    • Collaborate and work with support units to deliver required service levels
    • Co-ordinates and delivers new and on-going training on products, processes and systems
    • Implement retention strategy
    • Create a culture of service excellence both internally and externally

    Qualification and Experience

    • Completed grade 12 or equivalent certificate 
    • FAIS credits 150 NQF 4
    • RE5 & rep registration would be advantageous
    • Commercial product training competed / RIA completed/ policy center system training completed.
    • Minimum 5 years Commercial and Agri underwriting experience. 

    Skills

    • Ability to understand client base related requirements and to conceptualise and develop relative support 
    • Good understanding of value chain to implement cost savings and maximise profitability 
    • Working knowledge and good understanding of all operating and strategic processes, re-engineering and design 
    • Project management skills 
    • Change management skills 
    • Understands value chain principles and management concepts 
    • Working knowledge of Policy Center system information systems and marketing 
    • Strong business orientation with commercial and financial skills. 
    • Computer literate in data manipulation, i.e. Excel as well as technology in general 
    • Strong networking and relationship building skills 
    • Negotiating skills
    • Decision making abilities 
    • Technical claims and underwriting skills 
    • Risk management skills 

    Competencies

    • Cultivates innovation - Contributing independently
    • Customer focus - Contributing independently
    • Drives results - Contributing independently
    • Collaborates - Contributing independently
    • Being resilient - Contributing independently

    go to method of application »

    Product Analyst (Johannesburg)(JG08)

    • We have an exciting opportunity for a suitable candidate to perform the role of Product Analyst.  This role is based in Sandton, Johannesburg and will form part of our Strategic Partnerships team.
    • We require candidates with short-term (general insurance) experience.

    PRINCIPLE ACCOUNTABILITIES INCLUDE: 

    • The Product Analyst role will be responsible for sourcing and analysing market trends within partners and aligning those to insurance, customer needs, product monitoring (performance and governance reporting), product improvements and customer value proposition.
    • The below is not an exhaustive list but illustrates the key elements of the role:
    • Assist in designing and refining insurance products for personal and commercial lines.
    • Support pricing and underwriting strategies through actuarial and market analysis.
    • Ensure compliance with regulatory requirements across multiple insurance business partners.
    • Market research & competitive analysis
    • Research market trends, competitor offerings, and emerging risks.
    • Recommend product enhancements or new product opportunities based on insights. 
    • Work closely with underwriting, actuarial, marketing, and teams from business partners 
    • Communicate findings and recommendations to stakeholders to guide strategic decisions. 
    • Track and analyse key business metrics to improve profitability and customer satisfaction
    • Identify areas for operational efficiency and product innovation

    QUALIFICATIONS AND EXPERIENCE

    • Bachelor degree in a risk and/or insurance related degree ideal.
    • 3-5 Years experience in a similar role essential
    • Short-term (general insurance)

    SKILLS

    • Product Analysis and management
    • Business acumen
    • Analytical Thinking
    • Attention to detail
    • Pragmatism
    • Problem solving
    • Strategic thinking
    • Systems thinking
    • Navigating ambiguity
    • Effective communication
    • Demonstrating courage and grit
    • Market research and trend analysis
    • Concept design and storytelling
    • Development of technical product specifications
    • Strong MS Office (Excel, Word, Power Point)
    • Knowledge of underwriting practices
    • Ability to translate business requirements into technical specifications
    • Ability to articulate client needs in terms of product features 
    • Basic project management and administration skills 

    COMPETENCIES

    • Collaboration
    • Client focus
    • Flexibility and adaptability
    • Cultivates Innovation
    • Strong communication skills
    • Ability to manage stakeholder relationships
    • Product strategy 
    • Project planning
    • Knowledge management
    • Reporting and Administration

    Method of Application

    Use the link(s) below to apply on company website.

     

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