Job Roles in Income
At Income, our Actuarial team works very closely with Product Development and Risk Management in technical pricing, the selection of product features and recommending new product solutions. The team is:
We have an agile mindset, always embracing new and improved ways to work.
We believe that the use of technology helps us achieve better results more efficiently!
We enjoy having fun with colleagues, so we take time to bond in and out of the office!
While other insurers place a large emphasis on the product development phase to deliver new products to bring to market, Income recognises that a high priority must also be placed on our customers’ claims experience. Our claims team is:
We process claims with utmost integrity to protect both the business and our policyholders.
It is our duty to spot fraudulent claims and keep the premiums low in the long run.
Our efficiency in claims processing gives customers a reason to choose us!
At Income, we take pride in giving our customers the best customer experience possible. Our Customer Service team is:
More than just closing a case, we sincerely wish to address customers’ concerns.
We approach each case differently to add value and improve every customer’s experience.
We always look on the bright side of things and for the good in people. Positivity is our super power.
Legacy tools and old systems are often associated with the Insurance industry, but we are working towards being Singapore’s leading digital insurer. To do this, we need people who are:
Ambiguity and failure: bring them on! This enables us to become more successful innovators.
We push beyond the comfort zone, pushing business boundaries so we can go further.
We enjoy the challenge of keeping up to speed with the latest digital technology!
At Income, we see our Finance team playing a vital strategic role beyond being a support function to being a business partner that helps all departments achieve their corporate goals by providing financial strategic insights and guidance. To fulfil this role, our Finance team has to be:
We have an extra eye for details, enabling us to adopt a strategic and insightful point of view.
Our greatest contribution to the organisation is data-driven financial advice to steer us forward!
We exercise patience when handling problems, never giving up until we find the best solution.
At Income, we believe that strong governance is the heart of any successful business. As an insurance cooperative, it is of upmost importance for us to maintain a legal and ethical standing in the eyes of the public and our policyholders. Thus, we need our Governance team to be:
We identify potential problems and provide alternative routes so that we can be ready for anything!
We view things impartially, upholding fairness towards everybody and every situation.
We safeguard the best interest of the organisation through thoughtful work processes.
Responsible for nurturing the organisation’s most important resource, our people, HR is constantly looking to future proof our talent needs to ensure we have the best personalities and skills to realise our organisation's goals. The team is:
Change is inevitable! That's why we're always ready to tackle and implement new company policies.
Bold & Daring
We come up with out-of-the-box ideas and love to share them with everyone!
We constantly come up with initiatives to set the company in the right direction.
Crucial to our goal of being a digital insurer, IT not only keeps business operations going, but is also the catalyst for change in how we manage, analyse and utilise our data to provide the best customer experience. To achieve this, our IT team needs to be:
Our eyes are always wide open for opportunities to collaborate and help whoever we can at work.
We're always in search of new technologies to improve old ways!
We work with speed and efficiency, ensuring our department is at the forefront of innovations.
Within the highly regulated space of insurance, our diversely skilled Marketing team has continuously managed to surprise audiences and get them talking about financial planning, while driving results. Our winning formula involves being:
Our sole objective is to deliver results. Nothing can distract us from success!
We have a penchant for data and an eye for creativity, which makes a winning formula.
Our idea of fun is learning about new tools and working with new people.
As Singapore’s leading life, health and general insurance provider, each Operations role is unique as they service different products. Our Operations team strives to deliver value to our policyholders in our product offerings. To do so, we need our team to be:
We care about making a positive difference in people's lives.
We can transform concepts into actions, enabling us to make greater impact.
We conceive unique solutions to fill the gaps in processes, optimising and automating them over time.
Orange Force is Income’s accident response team that renders onsite assistance to our policyholders who are involved in motor accidents. As part of our commitment to providing an unprecedented level of customer service to our policyholders, we have built an Orange Force team that is:
In conflicting situations, our composure alleviates our customers' anxiety and stress.
We fairly assess situations and provide just settlement options for all.
We put ourselves in our customers' shoes, fostering trust in our professional advice.
Income’s Sales team encompasses various channels that are each structured differently, but they share the same goal and heart in all they do. Responsible for engaging current and potential customers to ensure their financial planning needs are met, we look for people who are:
We honour our clients’ trust in us through consistency and commitment to their best interests.
We go above and beyond to care for our clients, the same way we would for our friends!
With honesty and financial knowledge, we aim to give the best solutions to our clients.
The Underwriting team plays a vital role in helping close protection gaps in Singapore by recalibrating underwriting processes to insure a greater segment of our society. For instance, the team introduced a health underwriting questionnaire targeting seniors, resulting in a shorter process to identify their medical conditions and giving the elderly more confidence in their insurance applications. To continue making such impact, we want an Underwriting team which is:
We strive to balance science, risk exposure, and logical reasoning to arrive at the best customer solution.
Each underwriting case is different, so we analyse each one based on merit to manage risk exposure.
We love a duo tango. By working with different teams, we create the best products for customers.