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Digital Underwriting Jobs (NOW HIRING)

navymutual

Director of Underwriting

Arlington, VA · On-site

Evaluate and implement digital tools and workflow enhancements to improve speed and accuracy ... Lead, coach, and develop underwriting and new business teams, including managers and senior ...

Achieve

Underwriting Supervisor

Tempe, AZ · On-site +1

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Company Description Achieve is a leading digital personal finance company. We help everyday people ... As an Underwriting Supervisor, you will lead a team of underwriters while driving operational ...

Relm Insurance

Vice President, Cyber Underwriting

New York, NY · On-site

$225K - $250K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... underwrite businesses shaping the future. Relm's team operates out of offices in London, New York ... digital assets and web3, AI, the space economy, financial technology, biotech, and more. WHAT WE ...

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Digital Underwriting information

See salary details

$48K

$103.1K

$158.5K

How much do digital underwriting jobs pay per year?

As of Aug 17, 2026, the average yearly pay for digital underwriting in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 per year, depending on experience, location, and employer.

What is digital underwriting?

Digital underwriting is the process of assessing and evaluating risks for insurance or loans using automated technologies and data analytics. Instead of relying solely on manual review, digital underwriting uses algorithms, artificial intelligence, and big data to streamline decision-making and improve accuracy. This approach helps financial institutions speed up application processing times, reduce human error, and offer more personalized products to customers. Digital underwriting is commonly used in sectors like insurance, mortgages, and personal lending.

What are the key skills and qualifications needed to thrive as a digital underwriter?

To thrive as a Digital Underwriter, you need solid analytical skills, knowledge of risk assessment, and a background in finance, insurance, or a related field, often supported by relevant certifications. Familiarity with automated underwriting platforms, data analytics tools, and insurance management systems is typically required. Strong attention to detail, problem-solving abilities, and effective communication are important soft skills for this role. These skills and qualities are essential for accurately assessing risk, ensuring efficient decision-making, and maintaining regulatory compliance in a digital insurance environment.

How does a digital underwriter typically collaborate with other departments to streamline the underwriting process?

Digital Underwriters frequently work closely with IT, data analytics, and customer service teams to ensure accurate risk assessments and efficient workflows. They collaborate with IT professionals to implement and refine underwriting software, consult with data teams to interpret risk-related metrics, and communicate with customer service to address applicant inquiries. This cross-functional teamwork helps optimize digital tools, improve decision accuracy, and enhance the overall customer experience.

What is the difference between Digital Underwriting vs Underwriting Specialist?

AspectDigital UnderwritingUnderwriting Specialist
CredentialsTypically requires a degree in finance, insurance, or related field; familiarity with digital toolsRequires similar degrees and certifications, such as CPCU or ARM
Work EnvironmentPrimarily digital platforms, data analysis, and automated systemsOffice-based, interacting with clients and manual review of applications
Industry UsageUsed across insurance companies adopting technology-driven processesTraditional insurance companies and brokers

Digital Underwriting focuses on leveraging technology and automation to assess risks quickly, while Underwriting Specialists perform manual risk assessments and client interactions. Both roles require relevant credentials, but Digital Underwriting emphasizes digital skills and data analysis, making it suitable for tech-driven insurance environments.

More about Digital Underwriting jobs

What cities are hiring for Digital Underwriting jobs?

Cities with the most Digital Underwriting job openings:

What states have the most Digital Underwriting jobs?

States with the most job openings for Digital Underwriting jobs include:

What job categories do people searching Digital Underwriting jobs look for?

The top searched job categories for Digital Underwriting jobs are:

Digital Underwriting jobs near you
Infographic showing various Digital Underwriting job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $103,082 per year, or $49.6 per hour.

Director of Underwriting

navymutual

Arlington, VA • On-site

Full-time

Re-posted 23 days ago

Job description

At Navy Mutual, our mission is rooted in serving members of the uniformed services and their families with financial strength, integrity, and care. We are seeking a Director of Underwriting to lead and modernize our Underwriting and New Business functions—driving both operational excellence and a best-in-class member experience.

This is a high-impact leadership role responsible for translating strategy into scalable, efficient operations while ensuring disciplined risk management, strong compliance, and sustained growth.

What You’ll DoStrategic Leadership & Execution
  • Develop and execute underwriting and new business strategies aligned to organizational goals, risk appetite, and service standards
  • Translate enterprise strategy into disciplined, scalable, and measurable operating practices
  • Lead transformation initiatives to modernize underwriting and new business processes
Operational Excellence
  • Oversee end-to-end new business lifecycle: intake, underwriting, requirements, offers, reconsiderations, and policy activation
  • Optimize workflows, case assignment, and throughput to improve cycle times, productivity, and consistency
  • Establish and monitor service level agreements (SLAs) and performance standards
Underwriting Leadership & Risk Management
  • Provide technical underwriting guidance on complex life insurance risks
  • Ensure decisions are well-documented, compliant, and aligned with mortality expectations and reinsurance requirements
  • Review and approve complex cases within authority and escalate as needed
Transformation & Innovation
  • Lead adoption of automation, accelerated underwriting, and third-party data solutions
  • Evaluate and implement digital tools and workflow enhancements to improve speed and accuracy
  • Advance real-time decisioning capabilities and member experience improvements
Performance & Analytics
  • Develop and monitor KPIs and KRIs, including:
    • Cycle time and throughput
    • Quality and post-issue audit results
    • Requirement aging and placement rates
    • Productivity and vendor performance
  • Identify trends, risks, and improvement opportunities; drive corrective action
People Leadership
  • Lead, coach, and develop underwriting and new business teams, including managers and senior technical staff
  • Drive performance management, workforce planning, succession planning, and talent development
  • Foster a culture of accountability, continuous improvement, and high performance
Cross-Functional Partnership
  • Collaborate with Sales, Inforce, Claims, Finance, Legal, Compliance, and Technology
  • Partner with reinsurance carriers on complex cases and program optimization
  • Ensure alignment across teams to deliver a seamless, member-first experience
Governance & Compliance
  • Maintain underwriting guidelines, SOPs, audit readiness, and regulatory compliance
  • Support escalations, member complaints, and risk-related reviews (e.g., rescissions, contestable claims)
  • Manage vendor relationships (e.g., medical exams, labs, data providers)
What You BringRequired Qualifications
  • Bachelor’s degree in a related field
  • 8+ years of life insurance underwriting experience, including complex case review
  • Proven leadership experience managing teams and/or senior technical professionals
  • Deep understanding of:
    • Medical underwriting and terminology
    • Mortality risk assessment
    • Reinsurance practices
  • Experience leading:
    • Process improvement and operational transformation
    • Automation and accelerated underwriting initiatives
    • KPI/KRI development and performance analytics
  • Strong working knowledge of underwriting systems, workflow tools, and policy administration platforms
  • Excellent communication, leadership, and stakeholder management skills
  • Ability to operate effectively in a fast-paced, production-driven environment
Preferred Qualifications
  • Professional designations such as CLU, FLMI, ALU, or FALU
  • Experience with vendor management and underwriting data providers
  • Advanced proficiency in Microsoft Excel and reporting tools

 

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