Title: Manager, Life Underwriting Location: Bangalore, India Job Description: About Ethos Ethos is a leading life insurance technology company on a mission to protect families by democratizing access to life insurance and empowering agents at scale. With its robust three-sided technology platform, Ethos is transforming the life insurance experience for consumers, agents, and carriers alike. Ethos offers instant, accessible products and a seamless online process that requires no medical exams and just a few health questions; it eliminates traditional barriers, making it easier than ever for everyone to protect their families. Ethos is redefining how life insurance is bought, sold, and underwritten. About the role Are you a life insurance underwriting manager with 6+ years of experience, who is passionate about the profession of underwriting? Are you interested in getting in on the ground floor of a growing team at an insurtech startup? Would you enjoy working in a collaborative environment where your opinion matters? Duties and Responsibilities: - 50% of this role will be dedicated to case underwriting - Ability to lead the team with passion, positivity and continual improvement - Work closely with Chief Underwriter, Head of Underwriting Development and Director of Underwriting Operations to recruit, hire, mentor, and develop underwriting staff both domestically and internationally - Assess quality and headcount - Perform hiring analysis to flex with our growth - Create and improve onboarding and underwriting training programs - Develop performance management and quality control system to provide feedback, guidance and reviews to underwriting team members - Assist underwriting staff to develop their technical and decision making skills, while ensuring adherence to our core values - Drive strategic efforts to optimize underwriting workflows, including work to implement rules within an underwriting engine, recommending solutions and best practices as appropriate - As needed, work with Underwriting Strategies to perform quality assurance testing of automated rules and processes Qualifications and Skills: - 6+ years in Life new business underwriting - 4+ years of experience in an underwriting leadership or development role - Extensive knowledge of life insurance trends and new technology - Sharp focus on execution and an owner mentality with a track record of delivering success in a timely manner - Data oriented decision making skills and great intuition - Outstanding written and verbal communication skills #LI-Hybrid #LI-ND1 Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace. We are an equal opportunity employer.. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records. We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent.

• Underwrite loan application independently: Analyze quantitative and qualitative data across ecommerce, SaaS, and SMB borrowers. Structure, price, and propose loan terms that balance repayment capacity and Mercury’s risk posture. • Own the customer-facing deal motion: Lead diligence calls with prospective borrowers, co-pilot active negotiations with AEs, provide real-time eligibility and structuring guidance, and support the sales team on complex or competitive applications from first touch through close. • Monitor portfolio health: Support ongoing covenant monitoring, delinquency tracking, and portfolio review processes. Contribute to monthly portfolio reviews with early warning signal identification. • Contribute to credit standards: Support drafting and refinement of underwriting guidelines, risk rating frameworks, and policy documentation. • Work cross-functionally: Partner with Sales, Product, Engineering, and Data Science to improve the underwriting process, customer experience, and credit infrastructure.

• Assist the Chief Underwriter and Associate Chief Underwriter in identifying new areas of potential risk. • Have a complete understanding of all current underwriting guidelines and practices, to include global standards. • Dissect and identify new risks and establish clear pathway in developing new Controls. • Evaluate the results of Controls testing and identify any trends for training purposes. • Evaluate and identify potential risk in the underwriting environment. • Maintain current knowledge of industry trends practices. • Stay on top of an ever-changing regulatory environment. • Adapt to Innovation. • Ensure that Underwriting Management team receives necessary information. • Establish strong working relationship with other departments of the company. • Communicate with senior leaders. • Execute on company goals, both short and long term. • Participate in and provide leadership in the Underwriting Department People management. • Be a knowledge resource for underwriters at all levels. • Understand and execute on Corporate responsibilities. • Ensure team members are trained and have a clear understanding of objectives and expectations. • Actively participate in the development, implementation and management of Risk management staff. • Champion Change Management principles within the Risk Management team. • Maintain positive work environment for team members.

The position is described below. If you want to apply, click the Apply button at the top or bottom of this page. You'll be required to create an account or sign in to an existing one. If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response). Regular or Temporary: RegularLanguage Fluency: English (Required) Work Shift: 1st Shift (United States of America)Please review the following job description: Underwrites new and renewal business, approves policy changes, maintain workload, and controls written business up to and including the time of binding according to Company guidelines and established internal and external procedures. Provides leadership to a production/underwriting team. Provides high quality professional service to Agents and Companies. ESSENTIAL DUTIES AND RESPONSIBILITIES Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Meet or exceed production goals as assigned by Management. 2. Underwrite new and renewal business. 3. Supervise of team(s) ensuring all pertinent information is communicated. 4. Develop and maintain excellent relationships with clients. 5. Market all program products and services to clients. 6. Communicate properly and timely with all producers regarding submissions and decisions for new or renewal business. 7. Approve and disapprove endorsement requests according to internal and Company guidelines. 8. Monitor accounts to ensure compliance with the firm's policies and procedures. 9. Monitor production, hit ratios, renewal retention ratios spread of risk and other production and quality measures to minimize risk and predict future success. 10. Review and handle policy servicing requests (endorsement, audits, Company requests, Certificates, Premium Finance Notices and Cancellations, etc.) appropriately. 11. Review inspection reports and compare to the conditions that were represented at the time of binding and take appropriate or needed actions. 12. Meet or exceed file documentation standards, comply with underwriting authority level standards and pass all audits - both internal and external. 13. Maintain necessary licenses to produce business. QUALIFICATIONS Required Qualifications: The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Bachelor's degree or appropriate insurance designation 2. Five years of experience as an active Underwriter or seven years of experience in the insurance industry 3. Must be licensed in corresponding areas of insurance as necessary 4. Must be able to understand and analyze necessary components of insurance policies 5. Ability to understand the client's needs and have knowledge of the risk profiles associated 6. Recognize new trends and developments in the insurance industry and be able to incorporate into strategies 7. Must have knowledge of commercial multi-line underwriting and rating 8. Must have ability to use company automation to include Windows, Delphi, Word, DocuCorp, Rackley ISO Rating Software 9. Ability to develop, foster, and maintain an excellent working relationship with agencies 10. Leadership and team playing skills 11. Exercise discretion in making decisions 12. Maintain current knowledge of the insurance industry 13. Good written and verbal skills 14. Maintain travel schedule depending on the needs of clients, Agents, and new business 15. Ability to work extended hours when necessary General Description of Available Benefits for Eligible Employees of CRC Group: At CRC Group, we're committed to supporting every aspect of teammates' well-being – physical, emotional, financial, social, and professional. Our best-in-class benefits program is designed to care for the whole you, offering a wide range of coverage and support. Eligible full-time teammates enjoy access to medical, dental, vision, life, disability, and AD&D insurance; tax-advantaged savings accounts; and a 401(k) plan with company match. CRC Group also offers generous paid time off programs, including company holidays, vacation and sick days, new parent leave, and more. Eligible positions may also qualify for restricted stock units and/or a deferred compensation plan. CRC Group supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. CRC Group is a Drug Free Workplace. EEO is the Law Pay Transparency Nondiscrimination Provision E-Verify