Senior Product Consultant, Group Insurance Underwriting

FJA-US Inc. • Full-time • New Jersey, United States • $150k - $195k / year • 1w ago

The Senior Product Consultant, Group Insurance Underwriting serves as FJA's lead product and industry expert for Group Insurance underwriting, risk assessment, case evaluation, underwriting operations, eligibility determination, and related business processes. The role brings deep carrier-side underwriting, operational, and industry expertise into the organization to support product innovation, solution design, client implementations, and strategic initiatives across FJA's Group Insurance solutions.

The position partners closely with Product, Engineering, Delivery, Sales, and client-facing teams to help ensure FJA's solutions align with real-world carrier underwriting methodologies, operational requirements, business objectives, regulatory considerations, and evolving industry practices.

Acting as a trusted advisor to clients and internal stakeholders, the Senior Product Consultant provides guidance on underwriting processes, workflows, business rules, automation opportunities, modernization initiatives, and product strategy across Group Insurance products. The role also serves as a voice of the customer, bringing carrier and market perspectives into product planning, solution design, implementation, and strategic decision-making discussions.

This position helps translate complex carrier underwriting concepts and practices into scalable, configurable software capabilities while supporting client implementations, enhancement initiatives, and business transformation efforts. The Senior Product Consultant also contributes to the future direction of FJA's solutions by providing industry insight, evaluating emerging trends, and identifying opportunities to enhance automation, efficiency, consistency, transparency, user experience, and business outcomes.

This is a senior individual contributor role that combines industry expertise, client partnership, product influence, and hands-on execution across customer engagements and strategic initiatives. The position offers the opportunity to influence product strategy, contribute to the future development of FJA's solutions, and help shape how technology supports the evolving needs of the Group Insurance market. This position has no direct reports and does not include people-management responsibilities.

EDUCATION/CERTIFICATION/FORMAL TRAINING

Required

High School Diploma or equivalent
College degree in Risk Management, Insurance, Business, Finance, Economics, Actuarial Science, Mathematics, Statistics, or a related field; or an equivalent combination of education, industry training, and directly relevant professional experience.

Preferred

Advanced coursework, professional training, or continuing education related to Group Insurance underwriting, risk assessment, insurance operations, employee benefits, finance, analytics, or related disciplines.
Professional certifications, industry designations, or specialized training relevant to Group Insurance underwriting, risk management, employee benefits, insurance operations, or related fields.

EXPERIENCE – MINIMUM YEARS OF PROFESSIONAL EXPERIENCE

Minimum 10 years Required

Direct experience within a Group Insurance carrier environment involving underwriting, risk assessment, case evaluation, renewal management, underwriting operations, or related operational responsibilities.
Support of Group Insurance products, including Group Life, Disability, Absence, Supplemental Health, Dental, Vision, or related employee benefits products.
Application of underwriting methodologies, risk assessment practices, renewal processes, case management workflows, and related underwriting practices.
Work across multiple employer market segments.

Minimum 5 years Required

Translation of underwriting methodologies, business processes, operational requirements, and industry practices into business requirements, business rules, workflows, system capabilities, technology solutions, or process improvements.
Participation in system implementations, business transformation initiatives, operational modernization efforts, process improvement initiatives, or related projects.
Collaboration with cross-functional stakeholders, including underwriting, pricing, product management, sales, operations, implementation, engineering, technology, or other business teams to support business objectives and solution delivery.
Presentation of information, facilitation of discussions, and advisory support regarding underwriting concepts, methodologies, operational practices, business considerations, and solution impacts.
Utilization of business productivity software, collaboration tools, data analysis tools, business applications, and technology platforms to support analysis, documentation, stakeholder engagement, presentations, decision-making, and solution delivery.

Preferred Experience

Underwriting automation tools, rules engines, workflow solutions, decision-support tools, insurance administration platforms, or similar technologies.
Direct collaboration with insurance technology solution providers, software vendors, consulting organizations, or Insurtech companies.
Support of digital transformation initiatives within an insurance carrier environment.
Product management, business analysis, consulting, implementation leadership, or solution design responsibilities.

WORK AUTHORIZATION & SPONSORSHIP

The Company does not provide visa sponsorship or employer-supported work authorization of any kind, now or in the future. This includes, but is not limited to, H-1B, H-1B1, H-2B, L-1, O-1, TN, E-3, E-1/E-2, F-1 OPT or STEM OPT, J-1, H-4 EAD, L-2 EAD, or any other immigration status or work authorization that requires employer petitioning, sponsorship, extension, verification, or other employer action.

All candidates must have active, valid, and unrestricted authorization to work in the United States at the time of hire and throughout employment, without any sponsorship, petition, or support from the Company.

The Company complies with all federal immigration laws, including the Immigration Reform and Control Act (IRCA), and does not discriminate based on citizenship or national origin.

EMPLOYMENT ELIGIBILITY & PRE-EMPLOYMENT SCREENING NOTICE

Our Company participates in E-Verify as part of certain client contractual requirements. In accordance with federal law, all new hires must complete Form I-9 and provide documentation acceptable to the U.S. Department of Homeland Security (DHS) to verify their identity and authorization to work in the United States within three (3) business days of their start date. For more information on employment eligibility verification and acceptable documentation, visit the DHS website at: https://www.uscis.gov/i-9-central/form-i-9-acceptable-documents

As a condition of employment, all candidates and employees are subject to a background check and drug screening. These screenings are required by Company policy and by client contractual obligations and are conducted in compliance with the federal Fair Credit Reporting Act (FCRA) and all applicable federal, state, and local laws. The scope of drug testing may vary by state, depending on applicable state and local laws.

WORK LOCATION

This position is part of the Senior Product Consultant job family, a highly specialized role family that requires specialized industry expertise and may be designated as either Hybrid or Fully Remote based on business needs and position requirements.

For employees designated as Hybrid, regular in-office work is required at one of the following office locations: Boca Raton, FL, Denver, CO or Midtown New York, NY.
For employees designated as Fully Remote, employment is limited to locations within the Company's approved workforce footprint.

Employees in either work arrangement will be required to travel as needed for client meetings, team collaboration, training, strategic planning sessions, and other business needs.

Work arrangement designations are determined by the Company based on business needs and position requirements.

Relocation assistance is not provided for this position.

HIRING PAY RANGE – ANNUALIZED

150,000 – 195,000; The stated hiring pay range reflects the Company's good-faith estimate of the compensation range for this position at the time of posting. Final compensation placement will vary based on factors including geographic location, experience, qualifications, competencies, skills, and internal equity.

BONUS COMPENSATION

Discretionary annual bonus amounts are not guaranteed and are subject to change based on company and individual performance. Discretionary annual bonuses, when paid, are determined by the leadership team, and are based on individual performance that exceeds role expectations.

BENEFITS

In accordance with this position, hired individuals may be eligible to participate in Company benefit plans and programs, including paid time off benefits (vacation, holiday, and sick time); group medical, dental, and vision insurance programs; life insurance benefits; the Company’s 401 (k) retirement plan, in accordance with and subject to the eligibility and other provisions of such plans and programs.

EQUAL EMPLOYMENT OPPORTUNITY

We are an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law. The Company provides reasonable accommodations to qualified individuals with disabilities or sincerely held religious beliefs, as required by law.

JOB POSTING DISCLAIMER

The information provided in this posting is intended to describe the general nature and level of work expected for this role. It is not an exhaustive list of all duties, responsibilities, or qualifications. Job duties and requirements may change based on business needs, consistent with applicable law. Employment with the Company is at will, meaning either the employee or the Company may end the employment relationship at any time, with or without notice or cause, as permitted by law.