Working at PhilBritish

The Fire Underwriter is responsible for evaluating, analyzing, and selecting fire and allied peril risks (such as Earthquake, Typhoon, and Flood) for residential, commercial, and industrial properties. The primary goal is to ensure the company maintains a profitable and balanced portfolio by applying sound underwriting principles and adhering to the Philippine Fire Tariff and company retention limits

Qualifications: 

• Bachelor’s degree in Business Administration, Marketing, Finance, or related field.
• Experience in sales, preferably in non-life/general insurance, banking, or financial services

RESPONSIBILITIES:

• Assess fire insurance applications by analyzing building construction, occupancy, protection (e.g., sprinklers, hydrants), and exposure to external hazards.
• Determine the acceptability of risks based on the company’s underwriting guidelines and risk appetite.
• Apply appropriate premium rates in strict accordance with the Philippine Fire Manual of Tariffs issued by the PIRA (Philippine Insurers and Reinsurers Association).
• Calculate discounts for protective measures and apply loadings for adverse risk features.
• Determine the Probable Maximum Loss (PML) for large risks.
• Allocate risk within the company’s retention limits and arrange for Facultative Reinsurance or Treaty cessions when the sum insured exceeds capacity.
• Draft and review policy wordings, including specialized clauses, warranties, and endorsements (e.g., Extended Coverage, Broad Form, or Business Interruption).
• Maintain strong relationships with brokers, agents, and the sales team to provide timely and competitive quotations while ensuring technical integrity.

The Sales Account Officer is responsible for promoting and selling the company’s non-life insurance products (e.g., motor car, fire, marine, casualty, liability, and other general insurance lines). The role involves generating new business, maintaining relationships with clients, providing after-sales service, and ensuring that sales targets are achieved in line with company goals. 

Qualifications: 

• Bachelor’s degree in Business Administration, Marketing, Finance, or related field.
• Experience in sales, preferably in non-life/general insurance, banking, or financial services. 

RESPONSIBILITIES:

• Identify and pursue new business opportunities to achieve sales targets.
• Conduct market research to understand industry trends and customer needs.
• Promote and sell the company’s products and services to prospective clients.
• Develop and implement effective sales strategies and action plans.
• Conduct sales presentations, product demonstrations, and client meetings.
• Handle complex customer inquiries and provide timely solutions.
• Ensure high levels of customer satisfaction and retention.
• Build and maintain long-term relationships with key clients and partners.
• Track sales progress using CRM tools and ensure accurate client information.
• Ensure compliance with company policies, pricing guidelines, and industry regulations.
• Prepare and submit sales reports, forecasts, and performance analyses.

Finance Officer is responsible for managing daily financial transactions, ensuring accurate bookkeeping, and maintaining robust financial management systems. In the Philippine corporate environment, this role is critical for ensuring full compliance with national statutory bodies, balancing company budgets, managing cash flow, and providing management with the data-driven reports needed to make sound corporate governance decisions.

RESPONSIBILITIES:

• Bachelor of Science in Accountancy (BSA), Finance, or Banking and Finance.
•  Certification of Certified Public Accountant (CPA) license is highly required.
• Minimum of 3 years of progressive experience in general accounting, treasury, tax compliance, or corporate finance.
• Deep understanding of BIR tax rules, PFRS guidelines, and Philippine labor/remittance laws.
• Upright ethical and moral judgment, with an unblemished background in handling confidential company assets and financial records. 

A Claims Evaluator (Motor) is responsible for the end-to-end assessment and processing of motor vehicle insurance claims. The role is highly dynamic, requiring a mix of office-based policy evaluation and frequent fieldwork to inspect damaged vehicles at authorized automotive dealerships (casa), independent repair shops (talyer), or accident sites

Qualifications: 

• A Bachelor’s degree is generally required, preferably in Automotive Technology Mechanical Engineering or a related management field.
• 1 to 2 years of solid experience in the non-life insurance sector as a claims processor.
• Must possess a deep understanding of automotive systems, car components, structural vehicle damage, and body repair techniques (tinsmithing and painting). Familiarity with local market parts pricing is essential.

RESPONSIBILITIES:

• Examine incoming claim documents to ensure completeness. In the Philippines, this typically includes the Philippine National Police (PNP) Report or a Notarized Affidavit of Incident, Photos of Damage, the driver’s Professional/Non-Professional License, and the LTO Certificate of Registration with the Official Receipt (OR/CR).
• Verify required claim documents (e.g., PNP report, OR/CR, driver’s license) and confirm policy coverage, validity, and driver authorization.
• Conduct physical inspections at repair shops or accident sites, photograph damages, and ensure the physical damage matches the reported incident.
• Review repair estimates, canvass for competitive parts pricing in the local market, and negotiate labor and material costs with casa or talyer representatives.
• Spot inconsistencies, pre-existing damages, or red flags to prevent fraudulent claims.
• Compute applicable deductibles (participation fees) and depreciation, then issue Letters of Authority (LOA) for repairs, cash settlements, or denial letters.
• Update policyholders, agents, brokers, and repair shops on claim statuses and facilitate third-party liability (CTPL) claims.

Claims Evaluator (Non-Motor) handles claims related to property, marine, casualty, engineering, and financial lines. Unlike motor claims, which are high-volume and highly standardized, non-motor claims are often technically complex, high-value, and require deep analysis of policy wordings, engineering reports, or financial statements.

Qualifications: 

• Bachelor’s Degree in Business Administration, Finance, Commerce, Engineering, Customs Administration, or any related field.
• At least 1–2 years of experience handling basic property or casualty claims
• Strong ability to interpret complex commercial policy wordings (e.g., All Risks, Fire and Allied Perils, Marine Cargo, Commercial General Liability).
• Familiarity with the Philippine non-life insurance landscape, including common practices, tariffs, and reinsurance structures (facultative/treaty impact on claims)

RESPONSIBILITIES:

• Evaluate liability by analyzing incident reports, police reports, fire certificates (from the BFP), weather bureau (PAGASA) data, and shipping documents (for marine lines).
• Quantum Evaluation: Assess the actual financial loss by reviewing repair estimates, replacement invoices, and financial books.
• Engage and collaborate with independent third-party Independent Adjustment Companies licensed by the Insurance Commission for complex or large-scale losses.
• Report Review: Critically review Preliminary, Interim, and Final Adjustment Reports to validate the adjuster’s recommendations on liability and computation.
• Reserving: Establish, monitor, and adjust accurate financial reserves for reported claims to ensure the company’s financial exposure is accurately reflected.
• Salvage & Subrogation: Identify opportunities for recovery. This includes pursuing legally liable third parties (subrogation) or managing the disposal of damaged property (salvage) to mitigate the company’s loss.
• Claimant Communication: Serve as a primary point of contact for corporate clients, brokers, and agents, explaining complex policy exclusions or claim decisions professionally.
• Dispute Resolution: Handle disputed claims or complaints, ensuring fair treatment of customers in line with the IC’s Market Conduct guidelines

ROLE PURPOSE
Credit & Collection Staff is responsible for monitoring outstanding premium receivables, ensuring timely collection of insurance premiums, and reconciling accounts with agents, brokers, and corporate clients. This role balances diligent financial recovery with excellent relationship management to prevent policy lapses, maintain healthy company cash flow, and ensure strict compliance with Insurance Commission regulations.

QUALIFICATIONS

• Bachelor’s Degree in Accountancy, Finance, Banking, Business Administration, or any related field.
• At least 1 to 2 years of solid experience in credit control, billing, or accounts receivable operations. Experience within an insurance company, bank, or financial institution is highly preferred.
• Proficient in Microsoft Excel
•  Foundational knowledge of Philippine taxation regulations, specifically regarding withholding taxes on insurance transactions.

RESPONSIBILITIES

• Monitor and manage Accounts Receivable (A/R) aging reports specifically for outstanding insurance premiums.
• Conduct proactive, regular follow-ups on due and past-due premium accounts via phone, email, or formal collection letters.
• Coordinate directly with insurance intermediaries (brokers and agents) regarding their production accounts and outstanding balances.
• Issue accurate Statements of Account (SOA) and billings to direct corporate clients and partners.
• Process, check, and accurately post incoming premium payments (cash, checks, bank transfers, online payment channels) into the company ERP system (e.g., SAP, Oracle).
• Reconcile collection reports against actual bank remittances and direct deposits.
• Strictly enforce the “Cash and Carry” rule guidelines under Philippine Insurance Law, ensuring that coverage is not sustained if premiums remain unpaid past the legally allowed grace or credit period.
• Ensure accurate calculations and withholding tax treatments (such as specific BIR VAT and expanded withholding tax rules applicable to insurance commissions and premium payments).

ROLE PURPOSE
System Developer Staff is responsible for assisting in designing, coding, testing, and implementing new software systems and enterprise applications. This role involves analyzing user requirements, maintaining existing systems, and ensuring that all technological infrastructure operates securely and efficiently to support overarching business goals.

QUALIFICATIONS:

• Bachelor’s degree in Computer Science, Information Technology, Computer Engineering, or a closely related technical field.
• Experience: 1 to 2 years of proven experience in system development, software engineering, or backend programming.
• Strong verbal and written communication skills, with the ability to explain complex technical concepts to non-technical stakeholders

RESPONSIBILITIES:

• Design, build, and deploy scalable software solutions, internal databases, and network systems tailored to company requirements.
• Write clean, efficient, and secure code. Integrate software components and third-party APIs into existing enterprise systems.
• Monitor system performance, conduct routine maintenance, and troubleshoot hardware, software, and network issues.
• Collaborate closely with cross-functional teams and department heads to gather system requirements and translate business needs into technical specifications.
• Develop and execute comprehensive testing plans (unit, integration, and system testing) to ensure software functionality and eliminate bugs prior to deployment.
• Create and maintain detailed technical documentation, including system architecture manuals, code repositories, and user guides.
• Ensure all systems are designed with robust security measures to protect sensitive corporate and client data, adhering to industry data protection standards.

ROLE PURPOSE
The Marketing Officer is responsible for driving revenue growth by acquiring new clients and maintaining relationships with brokers, agents, auto dealerships, and corporate accounts. They evaluate client risks, coordinate with internal underwriters to secure competitive policy quotes, and ensure seamless delivery of non-life insurance products (e.g., Motor Vehicle, Fire, Marine Cargo, Property, Engineering, Bonds, and Casualty).

QUALIFICATIONS

• Strong understanding of general insurance coverages under Philippine practice: Motor Car Insurance, Property Insurance, Casualty & Liability.
• Excellent interpersonal skills with an established network of local brokers, agency channels, or corporate buyers.
• Strong verbal and written English and Filipino communication skills for delivering formal proposals and presentations.

RESPONSIBILITIES

• Build and nurture strong ties with insurance brokers, general agents, sub-agents, and car dealerships.
•  Identify prospect, and convert lead opportunities across corporate accounts, SMEs, and retail clients.
• Expand existing accounts by upselling additional non-lifelines (e.g., pitching Directors & Officers Liability or Business Interruption coverage to current Fire Policy clients).
• Conduct risk surveys or gather necessary risk details from prospective clients to present to internal Underwriting teams.
• Liaise directly with Underwriters to negotiate competitive rates and tailored terms before issuing proposals to clients. • Track and execute timely policy renewals to maintain account retention rates .
• Ensure fast issuance of policy contracts, endorsements, cover notes, and official receipts (ORs).
• Act as a primary liaison between the client and the Claims Department during a loss event, assisting with documentation to ensure prompt settlement.
• Stay updated on competitor pricing, market trends, and regulatory changes set by the Insurance Commission (IC).
• Prepare weekly/monthly production reports, pipeline forecasts, and sales performance updates for management.

ROLE PURPOSE:
The Sr. Claims Inspector is responsible for inspecting, assessing, and verifying insurance claims to ensure accurate, timely, and fair claim settlements. This role involves evaluating property, vehicle, or other insured assets, investigating claim circumstances, and preparing comprehensive reports for claims processing.

QUALIFICATIONS:

• Bachelor’s degree in Business Administration or at least 2 years graduated course related on this field with Technical Vocational or TESDA Automotive Certification
• Professional certifications in insurance inspection or claims handling are a plus.
• With at least 2years experience in claims inspection.

RESPONSIBILITIES:

• Conduct on-site inspections of insured properties, vehicles, or assets.
• Assess the extent of damage or loss in alignment with policy terms.
• Take photographs, measurements, and detailed notes for accurate documentation.
• Verify the authenticity of claims and detect potential fraud.
• Interview claimants, witnesses, or third parties when necessary.
• Review police reports, repair estimates, or medical reports related to claims.
• Prepare detailed inspection and assessment reports with recommendations.
• Maintain accurate records of inspections, findings, and communication with stakeholders.
• Work closely with claims adjusters, underwriters, and policyholders.
• Coordinate with repair shops, service providers, and contractors.
• Provide clear explanations of inspection findings and claim outcomes to stakeholders.

ROLE PURPOSE:

Senior Account Officer is responsible for driving sales growth by developing new business opportunities, managing key client accounts, and achieving sales targets. This role involves leading customer acquisition efforts, providing product knowledge, coordinating with internal teams, and supporting the development of junior sales staff. The Senior Sales Officer ensures the delivery of excellent customer service while promoting the company’s products and services effectively.

QUALIFICATIONS:

• Bachelor’s degree in Business Administration, Marketing, Finance, Insurance, or related field
• 3–5 years of sales experience, preferably in the insurance, financial services, or related industries.
• Proven track record of meeting or exceeding sales targets.
• Experience handling corporate or high-value individual accounts is an advantage.

RESPONSIBILITIES:

• Identify and pursue new business opportunities to achieve sales targets.
• Conduct market research to understand industry trends and customer needs.
• Promote and sell the company’s products and services to prospective clients.
• Develop and implement effective sales strategies and action plans.
• Conduct sales presentations, product demonstrations, and client meetings.
• Handle complex customer inquiries and provide timely solutions.
• Ensure high levels of customer satisfaction and retention.
• Build and maintain long-term relationships with key clients and partners.
• Track sales progress using CRM tools and ensure accurate client information.
• Ensure compliance with company policies, pricing guidelines, and industry regulations.
• Prepare and submit sales reports, forecasts, and performance analyses.

ROLE PURPOSE:

Treasury Staff for Check Preparation and Issuance handles the end-to-end processing, verification, printing, and secure releasing of check payments for insurance claims and operational disbursements. The position is responsible for reconciling daily check registers, maintaining the safety custodianship of checkbooks, ensuring compliance with local banking regulations (PCHC rules), and verifying claimant identities before the release of funds.

QUALIFICATIONS:

• Bachelor’s degree in Accountancy, Financial Management, Banking, Business Administration, or a related field.
• 1 to 2 years of progressive experience in Treasury operations, cash disbursement, or accounts payable.
• Strong attention to detail, high integrity for handling confidential financial documents, and a customer-centric demeanor when dealing with anxious or grieving claimants picking up insurance proceeds

RESPONSIBILITIES:

• Identify, prospect, and convert lead opportunities across corporate accounts, SMEs, and retail clients.
• Build and nurture strong ties with insurance brokers, general agents, sub-agents, and car dealerships (for CTPL and Comprehensive Motor Coverage).
• Expand existing accounts by upselling additional nonlifelines (e.g., pitching Directors & Officers Liability or Business Interruption coverage to current Fire Policy clients).
• Conduct risk surveys or gather necessary risk details from prospective clients to present to internal Underwriting teams.
• Liaise directly with Underwriters to negotiate competitive rates and tailored terms before issuing proposals to clients.
• Track and execute timely policy renewals to maintain account retention rates.
• Ensure fast issuance of policy contracts, endorsements, cover notes, and official receipts (ORs).
• Act as a primary liaison between the client and the Claims Department during a loss event, assisting with documentation to ensure prompt settlement.
• Stay updated on competitor pricing, market trends, and regulatory changes set by the Insurance Commission (IC).
• Prepare weekly/monthly production reports, pipeline forecasts, and sales performance updates for management.