XO Health is the first health plan designed by and for self-insured employers that delivers a more unified health experience for everyone – from those who receive care, to those who deliver it, to those who pay for it.

We are growing a multi-disciplinary team of diverse and digitally empowered employees ready to rebuild trust in healthcare through comprehensive and unified transformation.

Underwriter, Finance & Risk - India (Remote)

Position Overview

This is an opportunity for an early-career professional to make a direct impact on how pricing and risk are understood, managed, and communicated within a modern health plan. As an Underwriter on XO Health's Finance & Risk team, you will work closely with colleagues across analytics, actuarial, product, and commercial functions to support the end-to-end underwriting lifecycle. From modeling employer group quotes to evaluating stop-loss strategies, you will help ensure our pricing and risk frameworks are data-driven, sustainable, and aligned with our mission. This role is ideal for someone with strong quantitative skills who is ready to learn, contribute, and grow in a fast-paced environment.

What You Will Do

Support pricing of employer group coverage and value-based provider risk arrangements
Build and maintain underwriting models for quoting, renewal, and rate-setting
Assist in the evaluation of actuarial values (AVs), performance guarantees, and stop-loss terms
Prepare financial data and summaries to support RFP responses and prospect conversations
Analyze high-cost claimants, utilization trends, and cost drivers to inform pricing assumptions
Collaborate with stop-loss carriers and internal stakeholders to align on risk strategy and structure
Contribute to the documentation of pricing processes, underwriting guidelines, and playbooks
Deliver clear summaries and a rationale behind pricing recommendations to internal teams

What You Bring

2–5 years of experience in healthcare underwriting, or actuarial support
Strong analytical and modeling skills, with proficiency in Excel
Familiarity with healthcare claims data
Clear communication skills, with the ability to translate data into actionable business insights
Comfortable working both independently and collaboratively in a fast-paced environment
Ability to manage and prioritize multiple workstreams with attention to detail
A mission-aligned mindset and a desire to help fix what’s broken in healthcare

Full compensation packages are based on candidate experience and relevant certifications.

₹1,000,000—₹1,400,000 INR

XO Health is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. XO Health promotes a drug-free workplace.

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