Manager – GRZ & Public Sector – Commercial Department
ZSIC General Insurance Limited
Job description
ZSIC General Insurance Limited is a leading provider of customer-centric general insurance solutions, committed to excellence, integrity, and strong corporate governance. As an equal opportunity employer and a proud member of the IDC Group of Companies, we continue to build a high-performance culture driven by professionalism, innovation, and excellent service.
We are therefore inviting applications from suitably qualified, experienced, and results-driven professionals to fill the following position:
MANAGER – GRZ & PUBLIC SECTOR – COMMERCIAL DEPARTMENT
Reporting to: Chief Commercial Officer
JOB PURPOSE
To support GRZ and Public Sector underwriting by evaluating and managing insurance risks, ensuring profitability, compliance, and effective risk mitigation for ZSIC-GI’s clients.
KEY RESPONSIBILITIES
1. Risk Assessment and Underwriting
- Evaluate and underwrite insurance proposals for GRZ and public sector clients, ensuring adherence to ZSIC-GI’s underwriting guidelines.
- Assess client risk exposures and determine appropriate coverage, limits, and premium rates.
- Recommend modifications or exclusions to mitigate potential underwriting risks.
2. Portfolio Management
- Monitor the performance of the GRZ and public sector portfolio to ensure profitability and low claim ratios.
- Identify emerging risks and provide strategies to optimize risk-adjusted returns.
- Prepare regular reports on portfolio performance for management review.
3. Compliance and Regulatory Adherence
- Ensure all underwriting activities comply with relevant insurance regulations, ZSIC policies, and corporate governance requirements.
- Maintain accurate records of underwriting decisions, client documentation, and policy endorsements.
4. Policy and Portfolio Management
- Prepare, review, and issue corporate insurance policies and endorsements.
- Monitor and manage the corporate portfolio to ensure profitability and sustainability.
- Identify and mitigate potential risks that could impact claims experience or company exposure.
5. Client Relationship Management
- Maintain strong working relationships with GRZ ministries, departments, and other public sector entities.
- Provide advisory support on risk management and insurance solutions tailored to public sector requirements.
- Respond promptly to client queries and facilitate claims handling in collaboration with claims and account management teams.
6. Team Support and Leadership
- Mentor and provide guidance to junior underwriters and support staff.
- Contribute to training programmes and capacity-building initiatives within the underwriting department.
- Support the Manager – Underwriting in strategic planning and departmental projects.
QUALIFICATIONS & EXPERIENCE
- Grade 12 Certificate.
- Bachelor’s Degree in Business, Commerce, Insurance, Finance, or a related discipline.
- Professional qualification such as ACI, CII.
- Minimum of 3 years’ experience.
- Experience in insurance, financial services, or corporate law will be an added advantage.
KEY SKILLS
- Strong knowledge of corporate insurance products, underwriting principles, and risk assessment techniques.
- Proficiency in underwriting software, Microsoft Office Suite, and analytical tools.
- Excellent numerical, analytical, and decision-making skills.
- Strong negotiation and communication skills for dealing with clients and brokers.
- Ability to interpret complex financial and operational information to assess risk.
HOW TO APPLY
Interested candidates should submit their application letter, CV, and supporting documents to:
Deputy Director – People Experience
ZSIC General Insurance Limited
Premium House
Independence Avenue
P.O. Box 30894
Lusaka, Zambia
Email: careers@zsicgi.co.zm
Closing Date: 5th August 2026.