Job Description

At Equitable, we believe work should be a place where you feel supported, inspired, and empowered to grow. In our caring and collaborative environment, your curiosity is encouraged, your passion is recognized, and your contributions truly matter. Together, we create meaningful impact, for our clients, our communities, and each other.

The Opportunity: At Equitable, we believe great things happen when we work together. We’re a Canadian mutual company driven by purpose - putting people first and helping Canadians protect today and prepare for tomorrow. If you’re passionate about making a difference and growing your career in an inclusive and collaborative environment, we’d love to hear from you. Our culture is built on care, passion and curiosity. We put people above all else, strive to be our best and welcome new ideas to deliver positive outcomes.

Equitable is growing and we are looking for a Senior Underwriting Consultant, Innovation, to join our fantastic team.

In this role, you will be part of our Underwriting Innovation Team where you will be responsible for the risk management of our various underwriting tools and application forms. You have a strong commitment to improving the insurance-buying experience with the right risk solutions. You play a key role in supporting the growth of our business, our clients, and the success of our underwriting team.

Join one of the region’s top employers and be part of something that truly makes a difference.

Work Arrangements: You will work from your home office 100% of the time. You may be required to be in-person at our office in Waterloo, ON or another assigned location within the Waterloo Region, on an as needed basis. Sales related roles may be required to travel based on the assignment.

What you’ll do

• Audit and monitor the performance of underwriting tools (rules engine, predictive analytics) to ensure decisions are risk appropriate and within an acceptable risk threshold.
• Provide subject matter expertise to improve underwriting application questions, rules engines, and predictive analytics using data, competitive analysis and behavioural science principles.
• Drive the prioritization and execution of key enhancements to the systems supporting our underwriting team, working collaboratively with our new business and delivery teams.
• Assist with various cross-functional projects, bringing underwriting risk lens
• Ensure positive change management for our clients and internal teams
• Build strong relationships with our technology, new business, product, pricing and analytics teams.
• Research and analysis as required, producing written summary or presentation of findings and recommendations to senior management.
• Explore and make recommendations for new internal and external innovation partnerships.
• Comply with legislative requirements, consumer regulation and reinsurance treaties as they apply to privacy, disclosure and risk classification
• Contribute to the progress of your team, the spirit of creativity, and professional development
• Bring a high level of integrity and professionalism in everything you do
• Provide a first-class client experience

What you’ll bring:

• Superior analytical, decision-making, and problem-solving skills
• Client focus with a pro-active mindset
• Exceptional knowledge in medical, financial, and non-medical underwriting
• Comfortable in a dynamic work environment with the flexibility to adapt to shifting priorities
• Owners’ mindset for meeting individual and team goals
• Strong communication skills, written and verbal
• Fluency in using data as an underwriting tool or the willingness to learn
• Overall curiosity in all that you do
• Bachelor’s degree or equivalent
• 7+ years of demonstrated professional experience as a Life and Critical Illness Underwriter, ideally with experience supporting underwriting tools, application questions and underwriting projects
• FLMI / FALU / CPU designation(s) or currently working towards them
• Commitment to continuous learning and participation in education enhancement to remain current with medical knowledge and industry underwriting trends
• Bilingual in English, French, Cantonese, Mandarin is an asset

What’s in it for you:

• Career Growth: Regular learning sessions and development opportunities
• Total Rewards: Incentive pay, annual salary reviews, employer-paid benefits and pension matching
• Time Away: Competitive vacation plus one paid volunteer day each year
• Flexibility: Healthy work-life balance with employee wellness always top of mind, complemented by a “dress for your day” approach.

At Equitable, we’re committed to fair pay and an inclusive, accessible hiring experience. If you need accommodations or alternative formats at any stage, just reach out to us at careers@equitable.ca. We’re happy to help.

Your base pay will be based on your skills, qualifications, experience and education. In addition to your salary, this role is eligible for a discretionary annual incentive award tied to business performance, plus a wide range of competitive benefits.

If you’re selected to move forward, our Talent Acquisition team will walk you through all the details of our total rewards program, so you know exactly what’s included.

Reports To: Director, Underwriting Strategy and Planning

Department: Individual Insurance

Term: Permanent Full-Time

Location: Western Ontario

This position is open and we are excited to find the right person to join our team.

As part of the recruitment process, you will need to go through background screening, as per our company policy.

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