Medical Underwriting expert (m/f/d)

Allianz Digital Health (ADH) is a Munich, Germany based 100% subsidiary of Allianz SE aiming at the modernization and digitization of global Allianz health entities by providing technical excellence at scale. ADH offers these entities digital and data-based health services on a modern IT architecture to support their core insurance processes and health specific services alike. The company strives for rule breaking approaches in health insurance and a completely new experience for its customers and, ultimately, their end customers and business clients.

As a Medical Underwriting Expert, you are the clinical architect driving the evolution of our digital health tools. Your mission is to take our existing medical underwriting assets to the next level by refining the algorithms and workflows that power our risk assessment. Working at the intersection of medicine, technology, and data, you will collaborate closely with our Product Owner and the Data Team to ensure our medical logic is both clinically sound and data driven. This is a unique opportunity for a Medical Doctor to shape the future of insurance technology in an environment that combines start-up agility with the global stability of the Allianz Group.

Tasks

Strategic Evolution of Algorithms & Workflows

• Refining Logic: Lead the further development and clinical optimization of our existing medical underwriting algorithms.
• Product Roadmap: Work together with the Product Owner to prioritize medical enhancements and translate business requirements into medical logic.
• Scale & Accuracy: Ensure our underwriting engine remains state-of-the-art and adaptable for various international markets.

Data Synergy & Evidence-Based Logic

• Collaborative Analysis: Partner closely with our Data Team to validate medical assumptions against real-world data and refine our predictive models.
• Data-Driven Insights: Use clinical expertise to help the data team interpret health trends and incorporate these findings into our underwriting tools.

Medical Risk Assessment & Advisory

• Expert Judgment: Provide high-level medical expertise to assess complex health conditions and translate them into sustainable underwriting risks.
• Internal Authority: Act as the primary medical consultant for our product teams, offering clarity on diagnoses, symptoms, and global medical developments.

Innovation & Quality Assurance

• Continuous QA: Regularly execute and oversee quality assurance processes for our tools to maintain the highest level of clinical integrity.
• E-Health Trends: Keep the team ahead of the curve by monitoring international e-health innovations and integrating new clinical standards into our systems.

Requirements

• Education: University degree in Human Medicine
• Experience: 3+ years of professional experience in (strategy) consulting or within the Health Insurance sector (e.g., medical risk management, product development, or digital health).
• Cross-Functional Expert: You have a proven track record of working effectively with Product Owners and technical teams . You speak "medicine" and "product" fluently.
• Data Affinity: You have a strong understanding of medical data analysis. Experience with R, Python, or similar tools is a significant advantage, as is the ability to communicate complex medical concepts to a data team.
• Analytical Strength: Excellent conceptual skills with the ability to think in "logical trees" and structured workflows.
• Independence: A proactive "owner" personality who thrives in a fast-paced environment with flat hierarchies.
• Languages: Excellent written and oral communication skills in both English and German are required.

Benefits

• The Best of Both Worlds: Enjoy Allianz Group benefits while working in a start-up culture with flat hierarchies and fast decision-making.
• Real Impact: Your work has direct business impact, and you will see the results of your initiatives live in markets across the globe.
• Flexibility: Balance your work and other commitments with flexible working hours and the chance to regularly work from home.
• Team Environment: Work in a fun, diverse and international team of highly motivated colleagues who support each other and celebrate successes together.

We are located in Munich-Riem (Willy-Brandt-Platz 3; Messestadt West U2).