Current Vacancies at Guardrisk

Role Purpose
To enhance the lifetime financial wellness of people, their families and their communities through empowerment and education. Attract, acquire and retain clients by selling company products to generate new business and to provide after sales service to clients to ensure client retention, increase market share and contribute to the overall business objectives and its long-term viability.

Requirements

• Matric or equivalent NQF 4 qualification
• 2 years’ experience in a sales and/or customer service role
• 2 years’ experience in the insurance and/or financial services industry rendering financial advice (advantageous)
• Compliance with FAIS Fit and Proper requirements
• Finance or Business related tertiary qualification (desirable)
• Driver’s license (Requirement)
• own transport (desirable)

Duties & Responsibilities  

INTERNAL PROCESS

• Engage with prospective clients in order to highlight the features and benefits of various products based on their financial wellness needs in order to support and guide their decision-making process.
• Sell products in line with client’s financial needs by conducting affordability analysis in order to achieve clients’ financial goals.
• Calculated and advise on tax and legal implications of products and or changes.
• Accurately capture client information, relevant actions and sales on the systems.
• Accurately complete all administrative and reporting requirements within agreed timeframes.
• Achieve set targets on production, quality and conversion.
• Adhere to compliance requirements in the sales process in line with legislative requirements.
• Provide financial advice in line with the engagement strategy to enhance client’s financial wellness.

CLIENT

• Investigate client queries within the agreed service level and ensure that client receives timeous feedback.
• Escalate client queries to the relevant department or stakeholder.
• Provide accurate information and advice to clients and stakeholders in order to ensure that the client receives the appropriate services.
• Provide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targets. Provide authoritative, expertise and advice to clients and stakeholders.
• Build and maintain relationships with clients and internal and external stakeholders.
• Make recommendations to improve client service and fair treatment of clients within area of responsibility.
• Participate and contribute to a culture which builds rewarding relationships, facilitates feedback and provides exceptional client service.
• Proactively build and maintain client relationships by presenting our innovative and trustworthy product offerings through professional and credible Financial Advisory services.

PEOPLE

• Develop and maintain productive and collaborative working relationships with peers and stakeholders.
• Positively influence and participate in change initiatives.
• Continuously develop own expertise in terms of professional, industry and legislation knowledge.
• Contribute to continuous innovation through the development, sharing and implementation of new ideas.
• Take ownership for driving career development.

FINANCE

• Identify solutions to enhance cost effectiveness and increase operational efficiency.
• Manage financial and other company resources under your control with due respect.
• Provide input into the risk identification processes and communicate recommendations in the appropriate forum.

Competencies

• Examining Information: Analyses and process information; ask probing questions and strive to find solutions to problems.
• Interacting with People: Project enthusiasm and focus on building strong relationships and networks.
• Convincing People: Comfortable having to persuade others; shape opinions by being outspoken and seek to negotiate with others.
• Articulating Information: Be eloquent and explain concepts well and project social confidence when articulating information.
• Thinking Positively: Optimistic and positive; recover easily from setbacks and obstructions.
• Meeting Timescales: Strong focus on meeting target and deadlines

go to method of application »

Role Purpose

• To provide full admin support to new business consultant and scheme manager. 

Requirements

• Matric
• Computer literate - basic computer skills knowledge and experience, specifically in MS Office
• FAIS Fit and Proper including RE5
• At least 1-year client/broker service experience
• At least 1-year administration experience
• At least 1 years’ experience in health or short term Insurance products
• Previous gap cover or medical scheme servicing or administration experience would be advantageous

Duties & Responsibilities

• Receiving of incoming calls during office hours, in a professional and friendly manner
• To assist the marketing team, brokers and clients with queries, primarily via calls and emails. Where capacity constraints require policy servicing and capturing of applications
• Telephonic membership, premium and claims query handling through accessing OWLS’ (Guardrisk’s Gap administration system)
• Managing of difficult and/or colleagues, brokers, business consultants and clients in a courteous, polite and calm manner
• Where necessary, taking and receiving calls
• Distributing of messages to relevant team members in a timely manner
• Making outbound calls as-and-when necessary and instructed
• Ensuring a high level of customer service when liaising with internal staff, brokers, business consultants clients, binder holders and colleagues
• Where high email volumes necessitate, providing support to new business consultant and scheme manager for overflow inbound emails
• Efficiently managing of complaints received and ensuring that every complaint is dealt with professionally
• Assisting with any general and reasonable ad hoc administration requests as necessary across the Admed Division
• Ensuring that the principles of TCF are delivered across every function performed, with a specific focus on the achievement of TCF Outcome 6 (Customers do not face unreasonable post-sale barriers to change product, switch provider, submit a claim or make a complaint)

Competencies

• Excellent verbal, written and interpersonal communication skills
• Ability to professionally manage angry stakeholders, listen to customers’ needs and communicate clearly with customers telephonically and written communication
• Results and solutions driven with a strong sense of responsibility and ownership
• Discipline, reliable and good time management skills
• Strong customer service orientation
• Strong administration skills – attention to detail and accurate
• Self-driven with an ability to work independently as well as to function effectively within a team
• The ability to remain interested and focused when repeating information
• Resilience and ability to work under pressure

go to method of application »

Role Purpose

• The Underwriter will be responsible for writing new business, providing renewal terms, technical and claims advice, and liaising with brokers within the agreed mandate limits as determined by the Product Manager / Underwriting Executive.

Requirements

• Bachelor degree and/or equivalent NQF Level 7 qualification in general insurance.
• FAIS compliant
• RE5 Short Term (Commercial and Personal Lines)
• At least 3 - 5 years’ experience in commercial underwriting or sales
• Technical knowledge on the underwriting of Non-Motor and Motor Commercial risks

Duties & Responsibilities

• Careful risk selection in line with our commercial strategy
• Quoting and writing new business
• Knowledge of facultative placements
• Ensure all risks are written within our Treaty limits
• Ensure no declined risks are accepted or renewed
• Renewal process - Conduct the policy renewal process, offering renewal terms after analysing claims history
• Credit control, matching cash, invoicing
• Corrective action on badly performing clients
• Maintaining an acceptable loss ratio
• Maintaining and building relationships with brokers
• Maintain, monitor and continually improve service levels
• Build and maintain internal and external relationships with all key stakeholders
• Deliver product solutions to meet the client’s needs
• Handle all broker queries, complaints and problems
• Refer problems to relevant department, where necessary
• Escalate problems or complaints where necessary
• Develop and maintain exemplary broker service relationships
• Feedback evolving client needs and industry trends to business
• Suggest new products and or product enhancements to address changing client needs
• Ensure competitive pricing structure while maintaining loss ratio’s
• Take adequate underwriting action to correct underperforming clients such as increasing premiums, excess payments, deductibles and or terminate relationship

Competencies

• Business acumen 
• Collaborative 
• Analytical 
• Good networking skills 

go to method of application »

Role Purpose

• Responsible for the management and underwriting of a portfolio of clients for the Commercial Guarantees division.

Requirements

• A Diploma/Degree in commerce/finance/insurance
• Certificate in short-term Insurance (or working towards it)
• RE 5 Certificate for Representatives (or working towards it)
• At least 3 years working experience in a guarantees division

Duties & Responsibilities

• Underwrite profitable guarantee business to satisfy the business unit’s objectives and targets
• Underwrite guarantee facilities within the underwriting policy, mandate and guidelines
• Manage risk assessment of clients (credit, technical, operational)
• Manage the underwriting portfolio i.e. analyse trends and scenario plans from which portfolio strategies can be developed and implemented
• Manage the client’s facility review process on an annual basis
• Administer new and existing guarantee applications (drafting, issuances, amendments, cancellations)
• Administer all financial transactions on portfolio (premium quotations, invoices and collateral)
• Prepare portfolio reports for management feedback
• Assist in the business development space, in consultation with Management
• Compile assessment and review reports for all facilities within the portfolio
• Compile risk assessment reports for project sites
• Undertake site visits on projects that are listed for project risk monitoring
• Represent Guardrisk at client meetings across South Africa for both new clients and existing clients’ facility review purposes
• Develop and maintain strong relationships with key brokers/intermediaries and clients and other relevant stakeholders
• Continually improve and maintain high service levels
• Administer broker and client queries timely

Competencies

• Analytical thinking
• Accuracy and high attention to detail
• Deadline driven
• Team player
• Good communication skills
• Relationship management
• Business acumen 
• Networking skills
• Client orientated