崗位職責：

1、負責香港及跨境工程保險風險審核，涵蓋建築工程一切險、安裝工程一切險、施工機具保險、建築勞工險等險種。獨立審閱工程文件及風險勘查報告，識別、分析及量化項目建設與第三方責任風險，確保符合公司核保政策及風險承受標準。

2、依據項目風險、市場行情及公司定價標準，獨立制定承保方案、釐定保費、設定承保條款及運用對應保險條款。

3、執行香港本地及跨境工程現場風險勘查，跟進施工進度、安全管理及風險變化，記錄風險隱患並出具專業勘查報告。針對高風險環節提出管控及改善建議，持續跟進整改落實情況。

4、定期開展承保數據統計、業務复盘、風險總結及盈利分析，優化承保策略。嚴格遵守香港監管法規、公司規章及內控制度，確保業務合規運作。

5、完成上級交辦的其他相關工作任務。

任職資格：

1、持有認可大學學士或以上學歷，工程、建築、土木、保險等相關專業優先。持有IIQE資格、CII、ANZIIF等國際保險專業資格者優先考慮。

2、具備3年或以上香港一般保險公司中大型工程險承保經驗，熟悉香港工程保險市場慣例、承保條款、定價機制及本地監管規則。擁有各類工程項目及跨境工程險操作經驗者優先。

3、熟悉各類工程險保險條款，可獨立完成風險勘查、風險評估、報價審核及疑難個案處理。掌握香港工程施工標準、安全規範及工程合約核心條款，可精準識別工程風險及責任漏洞。

4、流利掌握廣東話、普通話及英語，中英文書寫流暢，可獨立撰寫雙語勘查報告、承保分析及公文。熟練操作各類辦公軟件，具備扎實的數據處理及文書能力。

5、具備敏銳的風險觸覺、獨立判斷及邏輯分析能力，工作細心嚴謹、責任心強，可承受工作壓力。擁有良好的溝通協調能力及團隊合作精神。恪守香港保險業職業操守，無不良記錄，職業信譽良好。

Job Responsibilities :

Responsible for underwriting and risk assessment of Hong Kong and cross-border engineering insurance, including Contractor’s All Risks (CAR), Erection All Risks (EAR), Construction Plant Insurance and Construction Workers’ Compensation Insurance. Review engineering documents and risk survey reports to identify, analyze and quantify project construction and third-party liability risks in compliance with corporate underwriting policies and risk appetite.
Independently formulate underwriting solutions, determine premium rates and arrange policy terms based on project risk profiles, market conditions and corporate pricing guidelines.
Conduct on-site risk surveys for local and cross-border engineering projects, monitor construction progress, safety management and risk changes, record hazards and issue professional survey reports. Propose risk control and improvement measures for high-risk items and follow up rectification status.
Conduct regular underwriting data analysis, business review, risk summary and profitability assessment to optimize underwriting strategies. Ensure full business compliance with Hong Kong regulatory requirements, corporate rules and internal control systems.
Complete other relevant tasks assigned by superiors.

Qualifications :

Hold a recognized Bachelor’s degree or above; majors in Engineering, Construction, Civil Engineering, Insurance or related disciplines are preferred. Possession of IIQE, CII, ANZIIF or other international insurance professional qualifications is an advantage.
Minimum 3 years of mid-to-large-scale engineering insurance underwriting experience in Hong Kong general insurance companies. Familiar with local market practices, policy terms, pricing mechanisms and regulatory rules. Experience in general and cross-border engineering insurance projects is preferred.
Familiar with engineering insurance policy terms, capable of independently conducting risk surveys, risk assessments, quotation reviews and handling complex cases. Well-versed in Hong Kong construction standards, safety regulations and core contractual clauses to accurately identify engineering risks and liability gaps.
Fluent in Cantonese, Mandarin and English with solid bilingual writing skills for survey reports, underwriting analysis and official correspondence. Proficient in office software with competent data processing and documentation capabilities.
Possess acute risk awareness, independent judgement and logical thinking, with a meticulous, responsible and stress-resistant working attitude. Strong communication and coordination skills with good team spirit. Uphold Hong Kong insurance professional ethics with no adverse records and sound professional reputation.

The People's Insurance Co of China (HK), Ltd

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