Risk & Underwriting Lead Analyst - Express Scripts - Hybrid

The Risk & Underwriting Lead Analyst plays a critical role in helping clients make informed, strategic decisions by translating complex financial data into clear insights. This role partners closely with Sales, Account Management, and senior leaders to design competitive solutions that balance client value with sustainable profitability, while supporting a better and more affordable health care system.

Responsibilities

• Develop and execute pricing strategies and underwrite solutions that support client retention and growth while meeting profitability targets.

• Lead complex financial, quantitative, and cost modeling analyses across multiple lines of business, including Commercial Employer Groups, Medicare Part D, Medicaid, and Health Care Exchange.

• Provide consultative plan design recommendations by analyzing historical performance, identifying trend drivers, and modeling future opportunities.

• Partner with Sales and Account Management to evaluate renewal and new business opportunities, including preparation of pricing, product positioning, and financial components of RFP responses.

• Present analytical findings and recommendations to internal stakeholders and external clients, including executive-level audiences.

• Support senior leadership by analyzing margin performance, profitability drivers, and financial risks to inform business decisions.

• Oversee client contract financial setup and ongoing management to ensure compliance with pricing guarantees and contractual terms.

• Continuously enhance financial models, tools, and best practices to improve efficiency, accuracy, and client support outcomes.

Qualifications

Required Qualifications

• Minimum one year of professional experience in financial analysis, underwriting, pricing, or a related quantitative role.

• Strong analytical and quantitative skills with the ability to build and interpret financial and cost models.

• Ability to communicate complex financial concepts clearly to both technical and non-technical audiences.

• Strong collaboration skills and the ability to manage multiple priorities in a fast-paced environment.

• Proficiency with standard business and analytical tools.

Preferred Qualifications

• Bachelor’s degree in finance, Economics, Statistics, or a related quantitative field.

• Experience within healthcare, managed care, pharmacy benefit management, or pharmaceutical environments.

• Experience supporting client negotiations, pricing discussions, or executive-level presentations.

• Advanced financial modeling or analytical tool experience.

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.

For this position, we anticipate offering an annual salary of 76,000 - 126,600 USD / yearly, depending on relevant factors, including experience and geographic location.

This role is also anticipated to be eligible to participate in an annual bonus plan.

At The Cigna Group, you’ll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you’ll be offered several health-related benefits including medical, vision, dental, and well-being and behavioral health programs. We also offer 401(k), company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and paid holidays. For more details on our employee benefits programs, click here.

About Evernorth Health Services

Evernorth Health Services, a division of The Cigna Group, creates pharmacy, care and benefit solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention and treatment of illness and disease more accessible to millions of people. Join us in driving growth and improving lives.

Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.

If you need a reasonable accommodation to complete the online application process, please email [email protected] for assistance.  Please note that this email inbox is dedicated to accommodation requests only and cannot provide application updates or accept resumes.

The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State.

Qualified applicants with criminal histories will be considered for employment in a manner consistent with all federal, state and local ordinances.