Risk & Underwriting Lead Analyst-Cigna Pharmacy

Job Description Role Summary: Responsible for executing the Go‑to‑Market Pharmacy strategy by leading account‑level pricing, rate development, and customer negotiations in partnership with Sales across a complex pharmacy book of business. This role develops strategic, data‑driven recommendations related to market competition, pricing, and product positioning, while influencing underwriting best practices and contributing to product and pricing strategy through strong matrix partnership. Key Responsibilities: Manages an assigned book of pharmacy business with accountability for profitable growth, persistency, and earnings performance. Conducts case‑specific risk assessments and develops account‑level pricing strategies. Leads rate development and customer negotiations in collaboration with Sales for complex pharmacy accounts. Develops, executes, and monitors account plans to drive growth and profitability. Analyzes market trends and competitive dynamics to deliver strategic recommendations on pricing and product positioning. Influences underwriting best practices and provides consultative input to matrix partners on product development and pricing strategy. Serves as a subject matter expert (SME) supporting Medical Underwriting teams and broader stakeholders. Qualifications: Bachelor’s degree or equivalent relevant work experience required. 3+ years of experience in Pharmacy Underwriting or related field Demonstrated expertise in rating, product, and financial analysis. Proven ability to make sound decisions with a strong understanding of internal and external financial implications. In‑depth knowledge of market dynamics, competitive conditions, and pricing drivers. 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 Cigna Healthcare 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. 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. Doing something meaningful starts with a simple decision, a commitment to changing lives. At The Cigna Group, we’re dedicated to improving the health and vitality of those we serve. Through our divisions Cigna Healthcare and Evernorth Health Services, we are committed to enhancing the lives of our clients, customers and patients. Join us in driving growth and improving lives.