Emilie Lim

Seasoned insurance professional with over 10 years of experience in Personal Lines underwriting, specialising in general insurance, portfolio management, and stakeholder engagement. Proven track record in leading teams, driving underwriting excellence, and supporting profitable business growth.

Experienced in underwriting governance, SOP development, product enhancement, and cross-functional collaboration, with strong ability to balance risk and commercial objectives. Recognised for developing high-performing teams and improving operational efficiency, with readiness to take on a Manager role.

Professional Experience

• Senior Underwriter / Assistant Manager
• June 2015 – Present

Core Competencies

• Personal Lines Underwriting
• Team Leadership & Coaching
• Portfolio & Risk Management
• Business Development & Intermediary Management
• Product Development & Policy Wording Enhancement
• SOP & Underwriting Guidelines Governance
• Stakeholder & Relationship Management
• Operational Excellence & Workflow Optimisation

Leadership & Team Management

• Supervise and guide a team of 5 underwriters, ensuring smooth day-to-day underwriting and servicing operations
• Provide 1-to-1 coaching, structured training, and mentorship on underwriting skills, SOPs, and internal guidelines
• Manage team planning including leave scheduling, duty coverage, and workload allocation
• Implement portfolio rotation strategies to broaden team competency across multiple products
• Support telesales, business development teams, agents, financial advisers, and brokers with technical underwriting guidance

Underwriting & Risk Management

• Manage end-to-end Personal Lines underwriting (non-motor), ensuring sound risk selection and portfolio quality
• Review and approve underwriting decisions, ensuring compliance with company standards and risk frameworks
• Act as a key referral point for complex and escalated cases
• Business Development & Stakeholder Management
• Build and maintain strong relationships with financial advisers, agents, and brokers to support business growth
• Actively handle enquiries and requests from intermediaries, supporting sales conversion and client retention
• Collaborate with product teams and product owners to provide feedback on product enhancements
• Improve policy wordings (T&Cs) by making them clearer, more transparent, and customer-friendly

Product Strategy & Governance

• Support product development, pricing strategies, and portfolio growth initiatives through market research and competitor analysis
• Take ownership of underwriting guidelines and SOP updates, ensuring alignment with current practices
• Prepare and submit updates for COO approval, and communicate changes effectively to stakeholders

Operational Excellence & Client Management

• Monitor workflow to ensure efficient turnaround time and high service quality
• Prepare new business quotations and conduct policy renewal reviews, escalating complex cases when required
• Handle client and intermediary enquiries, feedback, and escalations professionally

Key Achievements

• Successfully supervised and developed a team of 5 underwriters, strengthening underwriting consistency and team capability
• Strengthened relationships across agents, FAs, brokers, and internal stakeholders, supporting business growth
• Led updates to underwriting SOPs and guidelines, improving governance and operational alignment
• Enhanced product transparency by refining policy wordings and T&Cs, improving customer understanding and experience.