Senior Claims Officer

Description

Summary: Manage complex insurance claims from notification to settlement, ensuring accuracy and compliance, and supporting junior claims employees. Highlights: 1. Manage complex, high-value, and disputed claims with detailed assessment. 2. Provide guidance and technical support to claims officers. 3. Ensure claims are managed according to policy conditions and regulations. About the Role Al Watan Insurance and Risk Services provides insurance support, policy administration, claims handling and risk\-management services to individual and corporate clients. We are looking for a Senior Claims Officer to manage insurance claims from initial notification through assessment, settlement and closure. You will review claim documentation, confirm policy coverage, coordinate with customers and service providers and ensure that valid claims are processed accurately and within agreed timelines. This position is suitable for an experienced insurance professional who can manage complex cases, support junior claims employees and maintain fair, consistent and well\-documented claims decisions. Key Responsibilities **Claims Registration:** Receive, review and register new insurance claims accurately in the claims\-management system. **Coverage Verification:** Examine policy terms, coverage limits, exclusions, deductibles and endorsements to determine whether a claim is covered. **Document Review:** Check claim forms, reports, invoices, photographs, medical records, repair estimates and other supporting documents for completeness. **Claims Assessment:** Investigate the circumstances of each claim and assess liability, damage and settlement value. **Complex Cases:** Manage higher\-value, disputed or technically complex claims that require detailed assessment and stakeholder coordination. **Customer Communication:** Keep policyholders and corporate clients informed about claim requirements, progress, decisions and settlement timelines. **Service Provider Coordination:** Work with loss adjusters, surveyors, repair centres, hospitals, legal advisers and other authorised providers. **Settlement Processing:** Prepare settlement recommendations and ensure approved payments are processed correctly. **Claims Negotiation:** Negotiate reasonable settlements with claimants, service providers and other parties within authorised limits. **Fraud Awareness:** Identify unusual claim patterns, inconsistencies or warning signs and escalate suspected fraud for further review. **Claims Reserves:** Establish and update appropriate financial reserves based on the expected cost of each claim. **Quality Control:** Review claim files to confirm that documentation, calculations and decisions meet company standards. **Team Support:** Provide guidance to claims officers and assist with technical questions, case reviews and workload priorities. **Compliance:** Ensure claims are managed according to policy conditions, internal procedures and applicable insurance regulations. **Reporting:** Prepare regular reports covering claim volumes, settlement values, outstanding cases, turnaround times and emerging risks. What We Are Looking For **Experience:** At least 4 years of experience in insurance claims, including responsibility for complex or higher\-value cases. **Education:** Bachelor degree, diploma or recognised professional qualification in Insurance, Finance, Business Administration or a related discipline. **Claims Knowledge:** Strong understanding of insurance claims processes, policy interpretation, liability assessment and settlement procedures. **Insurance Background:** Experience in one or more areas such as motor, medical, property, travel, marine or commercial insurance. **Analytical Ability:** Ability to review evidence, identify inconsistencies and make fair, well\-supported claim recommendations. **Negotiation Skills:** Confidence in discussing settlement values and resolving claim\-related disagreements professionally. **Customer Service:** Ability to communicate clearly and sensitively with customers during potentially difficult situations. **Documentation:** Strong attention to detail when maintaining claim records, calculations, correspondence and supporting evidence. **Technology Skills:** Proficiency in claims\-management systems, Microsoft Excel, Microsoft Word and digital document platforms. **Workload Management:** Ability to manage multiple active claims while meeting deadlines and service standards. **Teamwork:** Ability to collaborate with underwriting, finance, compliance, customer service and external service providers. **Professional Conduct:** High standards of integrity, confidentiality, fairness and accountability. الراتب المدفوع: QAR١٠٢٬٠٠٠٫٠٠ لكل عام موقع العمل: بشكل شخصي