Risk & Underwriting Leadership Development Program Analyst (RULDP) January Class

Imagine a career where your ideas, analysis, and judgment help drive smarter decisions and stronger outcomes. In RULDP Evolve at The Cigna Group, you won't just learn underwriting; you'll live it. Through immersive training, mentorship, and real responsibility, you'll gain the confidence and expertise to evaluate risk, influence strategy, and build a career with purpose and impact.

Designed to support your transition from academia to industry, this program is ideal for recent graduates and early-career professionals who are curious, motivated, and eager to apply their academic knowledge in a real-world setting.

- Assess risk characteristics and recommend pricing and terms that balance competitiveness with financial discipline.

- Apply quantitative analysis and underwriting judgment to evaluate profitability drivers and articulate trade-offs.

- After training, help manage a book of business by monitoring performance, identifying trends, and taking proactive action.

- Collaborate with Sales and Account Management to design solutions that meet customer needs and support retention.

- Negotiate with clients and brokers using clear rationale, professional presence, and strong follow-through.

- Share insights and best practices that improve underwriting consistency, efficiency, and outcomes.

- Structured Curriculum: Comprehensive training modules include risk evaluation, pricing fundamentals, product knowledge, negotiation strategies, portfolio management, and leadership communication.

- Leadership Development: Coaching, workshops, mentoring, and hands-on business initiatives to accelerate your growth.

- Career Exploration: Job shadowing and strategic projects, plus an optional rotation to broaden exposure across products, markets, and customer segments.

- Mentorship & Networking: Connect with early-career talent and senior leaders dedicated to your professional development.

- Bachelor's degree is required. Preferred majors/minors: Risk Management, Insurance, Business, Economics, Finance, Management, Mathematics, or Healthcare.

- If your degree is outside these majors/minors, you must have relevant prior experience or an internship in the analytics, finance, or insurance space.

- Demonstrated quantitative capability (coursework, projects, or experience) and comfort working with math and numbers

- Strong written and verbal communication skills, including the ability to present recommendations with clarity

- Growth mindset and learning agility; comfortable using feedback to make improvements.

- Location: This position is based in Chattanooga, TN; Bloomfield, CT; Scottsdale, AZ; or Denver, CO. The role requires a hybrid work schedule, with a minimum of three days per week working onsite (Tuesday, Wednesday, and one additional day of the employee's choice), and the option to work the remaining days remotely. Relocation assistance is not offered, and employees must be able to meet the onsite schedule for their assigned office location.

Requirements: Selected candidates will be required to complete mandatory pre-employment tasks approximately 45 days prior to the program start date. Completion of the drug test requires availability within the United States during this timeframe.

- Work Authorization : This position is open only to individuals who are eligible for employment in the United States and who would not require visa support including H-1B or CPT/OPT/STEM, etc., now or in the future.

For this position, we anticipate offering an hourly rate of 25 - 38 USD / hourly, depending on relevant factors, including experience and geographic location.

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, paid holidays, and leaves of absence.

For more details on our employee benefits programs, click here .

Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives.