Senior Underwriter

Summary

Join Sana as a Senior Underwriter to co-lead new business underwriting for their small group level-funded product. This critical role balances profitable growth with competitive offers, requiring collaboration with sales, actuarial, and product teams. You will evaluate risk, price plans, and improve underwriting processes. The ideal candidate possesses 5+ years of underwriting experience in small groups and level-funded products, a strong understanding of health insurance pricing, and excellent communication skills. The position offers a dynamic startup environment with benefits including a professional development stipend, flexible vacation, comprehensive health insurance, 401(k) and HSA plans, parental leave, and a remote worker stipend.

Requirements

• 5+ years of underwriting experience, ideally with a focus on small groups and/or level-funded products
• Strong understanding of health insurance pricing, risk assessment, and underwriting guidelines
• Comfortable taking calculated risks to support business goals, especially in a fast-evolving startup environment
• Excellent communicator with the ability to explain underwriting decisions to non-technical stakeholders
• Highly collaborative and proactive—able to build strong working relationships across Sales, Actuarial, and beyond
• Thrives in ambiguity and brings a continuous improvement mindset to their work

Responsibilities

• Work closely wth our Senior Underwriter to co-lead underwriting operations for new business in the small group (typically 2-100 lives) segment
• Evaluate employer group risk and determine appropriate pricing for level-funded plans
• Collaborate with Sales to craft competitive proposals and win business without compromising profitability
• Analyze risk factors and make informed, data-driven decisions—balancing risk tolerance with growth goals
• Help design and refine underwriting guidelines, processes, and tools as we scale
• Partner cross-functionally with Product, Actuarial, and Customer Success to continuously improve the end-to-end experience
• Monitor underwriting outcomes and market dynamics to inform ongoing pricing and risk strategies

Preferred Qualifications

• Experience working at an insurtech, carrier, or TPA focused on the small group market
• Familiarity with underwriting automation tools or systems
• Strong data analysis skills (Excel, SQL, Looker, etc.)

Benefits

• Professional development stipend
• Flexible vacation
• Medical, Dental, and vision insurance
• 401(k) and HSA plans
• Parental leave
• Remote worker stipend
• Opportunity for career growth
• Dynamic start-up environment