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.