Director of Stop-Loss Underwriting (MGU)

About Tres Health

Tres Health is a rapidly growing, technology-driven healthcare benefits organization combining third-party administration, managing general underwriting, risk management, and proprietary technology.

The Director of Stop-Loss Underwriting will play a key role in expanding our MGU operations, strengthening carrier partnerships, driving underwriting profitability, and supporting the development of a scalable, automated underwriting platform.

Key Responsibilities

• Lead day-to-day MGU underwriting operations, including new business submissions, renewals, risk selection, pricing, and quote approvals.

• Establish and maintain underwriting guidelines, pricing methodologies, risk appetite, and delegated authority limits.

• Evaluate medical and pharmacy claims, large claimant exposure, utilization trends, and other risk factors to make informed underwriting decisions.

• Oversee underwriting for specific stop-loss, aggregate stop-loss, level-funded, and limited-benefit medical programs.

• Work closely with actuarial teams to develop pricing assumptions, monitor loss ratios, and ensure portfolio profitability.

• Manage relationships with carrier and reinsurance partners, ensuring compliance with underwriting agreements, reporting requirements, and risk-sharing arrangements.

• Monitor underwriting performance, portfolio concentration, claims development, and emerging risks.

• Collaborate with internal technology teams to improve proprietary underwriting systems, automate quoting processes, and streamline operational workflows.

• Partner with sales, distribution, claims, finance, and TPA operations to support business growth and product development.

• Lead and develop underwriting staff, establish performance standards, and maintain efficient underwriting turnaround times.

• Provide executive leadership with regular reporting on underwriting results, risk exposure, profitability, and portfolio performance.