Senior Analyst, Underwriting

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Posted Oct 15, 2026

Remote · US · ask about Worldwide Full Time

$47.0K – $122.4K/yr

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Overview

This role supports Financial Analysis and Underwriting within the pharmacy benefit management (PBM) pricing team. Responsibilities focus on key pricing activities to retain and grow pharmacy lives, and on supporting leadership in driving value through network and formulary pricing strategies across multiple levels.

The position manages complex PBM pricing strategies and pricing deployment to meet enterprise business needs for PBM and Aetna (as the client), and provides advisory support to the Aetna Underwriting team for downstream customer pricing. Reporting is to the Sr. Manager of PBM Underwriting.

Responsibilities

Assess risk and develop recommendations to maximize client value while prioritizing margin first in the PBM and second in the Enterprise
Develop pricing recommendations for multiple lines of business using in-depth competitive analysis
Assist Aetna Underwriting leadership by providing segment-specific data to support downstream pricing
Complete tasks in the Caremark Underwriting models
Modify Fee Authorization Forms (FAFs) appropriately
Perform ad-hoc analysis to support internal and client requests
Develop and maintain relationships with Sales and Account Management
Partner with Caremark and Aetna Finance stakeholders to support margin budget development and validation
Create and update multiple complex Pricing Commitment Documents to reflect Caremark pricing and contract terms for each business segment
Advise Caremark Legal as the Underwriting subject matter expert during contract negotiations
Provide ad hoc analysis and advise on implementation scenarios related to regulatory changes
Work with internal partners to understand downstream implications of proposed pricing strategy and support seamless, accurate, and on-time implementation
Analyze and recommend solutions when not all information is available; self-direct to find solutions with minimal guidance
Acquire and maintain leading-edge knowledge of PBM plan management strategies and solutions
Work independently and collaboratively in a fast-paced environment while managing tight deadlines

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Required Qualifications

3 years in a health plan actuarial role, PBM financial analysis or underwriting role, or comparable industry experience

Preferred Qualifications

Prior PBM/Health Plan or PBM/Employer experience
Actuarial experience and Actuarial certifications a plus
Strong technical skills, particularly in Excel

Education

Bachelor’s degree in mathematics, finance, statistics, actuarial science, or other risk management or data-related fields, or equivalent experience

Compensation & Benefits

Pay range: $46,988.00 - $122,400.00
- This range represents the base hourly rate or base annual full-time salary for positions in the job grade.
- Actual base salary offer depends on factors including experience, education, geography, and other relevant factors.
This position is eligible for a bonus, commission, or short-term incentive program in addition to the base pay range.

Benefits (based on eligibility): medical, dental, and vision coverage; paid time off; retirement savings options; wellness programs; and other resources.