Underwriting Auditor

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.

The Underwriting Quality Auditor ensures the accuracy, consistency, and compliance of underwriting decisions by conducting structured case audits, identifying quality gaps, and driving continuous improvement across the underwriting function.

Duties and Responsibilities:

Audit underwriting cases to evaluate risk decisions, evidence utilization, and documentation quality against carrier guidelines and SOPs

Track and report quality metrics — error rates, decision accuracy, and SLA compliance

Provide structured feedback and support coaching interventions for underwriters

Identify trends in errors and evidence quality; escalate systemic issues to leadership

Collaborate with training team on identifying training needs

Contribute to process improvement, SOP enhancement, and automation initiative

Qualifications and Skills:

Graduate/Postgraduate in Medicine, or related field (M Pharma / Nursing/MBBS preferred)

5 or more years in Life/Health Insurance Underwriting with exposure to managing Underwriting quality or audit functions

Strong knowledge of APS/EHR/Lab Piq interpretation and US based underwriting guidelines

High attention to detail and analytical thinking

Strong communication for feedback and reporting

Proficiency in MS Excel for trend analysis and scorecards

#LI-Onsite

#LI-PA1

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.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.

Recruitment Notice: Please be aware of recruitment scams. All legitimate communication from our team will only come from email addresses ending in @ethos.com or @getethos.com. 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.