"I am seeking a fully remote senior role in insurance underwriting, operations, or strategic partnerships. I specialize in leading personal lines and mass insurance portfolios, optimizing loss ratios, and driving revenue growth through bancassurance, partner retention, and client relationships across LATAM and global markets.
Looking for a job
Alejandra Espinoza
@alejandraespinoza1
Senior Underwriting & Insurance Operations Leader | Driving risk strategy, bancassurance, and partner retention across LATAM & Global markets
BoliviaWhat I'm looking for
I am a Senior Underwriting Manager and Insurance Operations Executive with 14+ years scaling portfolio profitability across LATAM and international markets. Available for fully remote engagements under contractor / W-8BEN arrangements.
Currently, I lead Personal Lines underwriting, setting technical policy direction, portfolio governance, and risk strategies to maintain disciplined loss ratios. Previously, I held full P&L ownership of a mass-insurance operation scaling to USD 35M+ GWP (+233% growth) while reducing loss ratios by 15%. My technical background spans P&C, Surety, Engineering, and Personal Lines, structuring profitable coverages and strong risk governance.
Beyond technical underwriting, I specialize in commercial distribution, partner retention, and operational scaling. I have launched 18 insurance products and structured 5 major bancassurance agreements, consolidating partner networks across multi-regional ecosystems. With deep experience leading core insurance platform transformations (UAT, policy administration systems), I bridge executive risk strategy with high-impact operational execution.
Experience
Work history, roles, and key accomplishments
LS
Current
Underwriting Manager
La Boliviana Ciacruz S.A
Jun 2026 - Present (4 months)
Leads risk underwriting and profitability for the national personal-lines portfolio, reporting to the National Head of Underwriting. Owns risk-selection governance and portfolio profitability across personal lines.
LS
Deputy Commercial Manager
La Boliviana Ciacruz S.A
Dec 2018 - May 2026 (7 years 5 months)
Owned P&L for a mass-insurance portfolio exceeding USD 35M GWP and drove portfolio growth through bancassurance and product launches. Led broker network management and supported the implementation of the core insurance system.
LS
Underwriting Specialist
La Boliviana Ciacruz S.A
Aug 2015 - Dec 2018 (3 years 4 months)
Performed technical risk assessments for Financial Lines, Transportation, Bonds, and Liability, maintaining underwriting standards. Partnered with the Reinsurance Department to structure coverage for complex and high-exposure risks.
LS
Commercial Manager (Interim)
La Boliviana Ciacruz S.A
Jan 2018 - Apr 2018 (3 months)
Ensured operational continuity and commercial stability during an organizational transition. Managed executive-level relationships with strategic brokers while maintaining service excellence and business alignment.
LS
Underwriting Analyst
La Boliviana Ciacruz S.A
Jul 2013 - Jul 2015 (2 years)
Conducted technical underwriting and risk evaluation for property portfolios, including multi-risk, engineering, and all-risk policies. Coordinated with the Reinsurance Department to process and secure coverage for complex and high-exposure property risks.
CS
National Underwriter
Credinform International S.A.
Jan 2012 - Jan 2013 (1 year)
Performed national technical underwriting for personal and motor lines portfolios. Completed technical risk evaluation to support underwriting decisions.
CS
Technical Assistant
Credinform International S.A.
Jan 2011 - Jan 2012 (1 year)
Provided technical and administrative support to the National Technical (Underwriting) Department. Supported day-to-day underwriting operations.
BS
Call Center Agent
Banco BISA S.A.
Jan 2009 - Jan 2011 (2 years)
Delivered customer service for banking products to high quality standards. Supported customer inquiries related to banking products.
Education
Degrees, certifications, and relevant coursework
IF
Instituto Nacional de Seguros / Fasecolda
Postgraduate Certificate, Personal Lines Insurance
Completed a Postgraduate Certificate in Personal Lines Insurance at Instituto Nacional de Seguros / Fasecolda.
UI
UCB & Fundación Idea
Postgraduate Certificate, Risks, Insurance & Reinsurance
Completed a Postgraduate Certificate in Risks, Insurance & Reinsurance at UCB and Fundación Idea.
Universidad de Aquino Bolivia (UDABOL)
Bachelor's Degree, Social Communication
Earned a Bachelor's Degree in Social Communication at Universidad de Aquino Bolivia (UDABOL).
Availability
Looking for a job
Location
BoliviaAuthorized to work in
Salary expectations
25k-30k USD
Social media
Job categories
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