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Financial Underwriting Analyst


Centivo is a new type of health plan administrator that allows self-funded employers and clinicians to join forces and deliver high quality, affordable healthcare to their employees. An alternative to traditional insurance carriers or third-party administrators, Centivo offers the technology, network, claims processing, customer support, and population health management to fully administer health benefits for all or a portion of an employee population.


The Centivo model emphasizes the partnership between individuals and their primary care team as the proper model to coordinate healthcare needs. Centivo’s clinical partners are dedicated to controlling costs and helping members navigate the healthcare system, aided by personalized patient/doctor matching tools. Members are rewarded for working with their primary care team and choosing high-value care, and are supported through a user-friendly app and their concierge. Employers get an ally that diligently roots out waste and is accountable to performance.


At Centivo, we never lose sight of the fact that we are dealing with healthcare, with emotions, with anxiety, with fear, and with lives. We treat your employees and their families with the same level of care that we would use to treat our own families.

Summary of the role:

The Financial Underwriting Analyst will work within the Account Management team to collaboratively provide analysis, data synthesis and communication to client supported cross-functionally by Sales, Network and Actuarial functions.

The role requires a strong understanding of health care delivery and benefit plans combined with a detail orientation, sophisticated data analysis skills, expertise with analytical tools, software and systems.  The Analyst will be able to synthesize and communicate the implications of that data and understand the strategic business implications, to Centivo and our clients, of the analysis and quantitative assessment.

Your responsibilities will include:

  • Development and maintenance of actuarial/underwriting models to support sales, RFP, renewal and provider/network contracting processes
  • Analysis of healthcare costs and utilization, including developing reports for internal and external use
  • Assisting benefit advisor or broker with benchmarking, plan design and contribution modeling cost analysis as well as development of premium equivalents, benefit plan accrual rates and IBNR reserves for Centivo clients
  • Problem-solving and communication of analyzed data to support internal and client-facing projects
  • Management of competing priorities, including project management of network and actuarial projects while maintaining attention to detail

Required skills and abilities:

  • Sophisticated skills with analytical, spreadsheet and database tools – Excel, Tableau, SPSS etc
  • Knowledge of health care, preferably in the context of claims, reimbursement and risks
  • Ability to prioritize and organize own work to meet deadlines
  • Systems-thinking – the ability to see the limitations of and implications beyond the data analysis
  • Excellent verbal and written communication skills including the ability to clearly communicate and understand complex or technical information
  • Strong interpersonal skills, establishing rapport and working well with others
  • Customer-orientation
  • Mastery of Microsoft office tools – PowerPoint, Word etc

Education and experience:

  • Bachelor’s degree in a quantitative discipline, with a degree in Math, Business, Healthcare or related field strongly preferred
  • Minimum 4-5 years’ experience in healthcare or health insurance, with preference for experience underwriting fully insured and self-insured cases

Preferred qualifications:

  • Passage of multiple actuarial exams or master’s in public health or health underwriting certification

Work Location:

  • This is a remote role.

To apply for this job, please click here or text: KMPWA to 716-247-4629

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