Insurance Claims Analyst Job Vacancy in Lichinga, Mozambique – Insurance

Job Description

Position: Insurance Claims Analyst

Company: Santam

Location: Lichinga, Mozambique

Experience: 2-4 years of experience in insurance claims handling

Education: Bachelor’s degree in Business Administration, Finance, or related field

Employment Type: Full-time

Industry: Insurance

Department: Claims Management

Salary: SSP 250,000 – 350,000 per month

Vacancies:1

Company Overview

Santam is a leading insurance provider with a strong presence across Southern Africa, including Mozambique. Established over a century ago, Santam delivers comprehensive insurance solutions to individuals and businesses, fostering financial security and resilience. The company’s commitment to innovation, customer centricity, and community development makes it a preferred employer for professionals seeking impactful careers. Operating in Lichinga, Santam supports the local economy by offering tailored insurance products that address the unique risks of the Niassa province. As part of its growth strategy, Santam continuously invests in talent development, technology integration, and sustainable practices, creating a dynamic environment for career advancement. This role contributes directly to Santam’s mission of delivering reliable insurance services while supporting the broader goal of economic development in Mozambique.

Job Overview

The Insurance Claims Analyst will play a pivotal role in evaluating, processing, and managing insurance claims submitted by policyholders in the Lichinga region. Reporting to the Claims Manager, the analyst will ensure accurate assessment of claim validity, adherence to policy terms, and timely settlement. This position offers an excellent opportunity for professionals passionate about risk assessment, customer service, and analytical problem solving. As part of Santam’s commitment to excellence, the analyst will collaborate with cross‑functional teams, including underwriting, legal, and finance, to deliver seamless claim experiences. For more information about Santam and its career opportunities, visit Mozambique Job Search. This role is a key component of Santam’s hiring in Mozambique, contributing to the growing portfolio of Mozambique Jobs and supporting the nation’s employment landscape.

Key Responsibilities

• Review and assess insurance claims for completeness, accuracy, and compliance with policy terms.
• Conduct investigations, gather supporting documentation, and liaise with claimants, adjusters, and third‑party service providers.
• Determine claim liability, calculate settlement amounts, and recommend approvals or denials based on established guidelines.
• Maintain detailed records of claim investigations, decisions, and communications within the claims management system.
• Collaborate with underwriting and legal teams to resolve complex or disputed claims.
• Provide clear, empathetic communication to policyholders regarding claim status and next steps.
• Identify trends in claim data to recommend process improvements and fraud detection measures.
• Ensure adherence to regulatory requirements and internal compliance standards.

Required Skills

• Strong analytical abilities with attention to detail.
• Excellent written and verbal communication skills in Portuguese and English.
• Proficiency in claims management software and Microsoft Office Suite.
• Ability to interpret insurance policies and legal documents.
• Customer‑focused mindset with strong negotiation and conflict resolution skills.
• Organizational skills to manage multiple claims simultaneously.
• Ethical judgment and integrity in handling confidential information.

Education

A bachelor’s degree in Business Administration, Finance, Law, or a related discipline is required. Professional certifications such as Chartered Insurance Institute (CII) qualifications are advantageous but not mandatory.

Experience

Applicants should possess 2‑4 years of experience in insurance claims handling, preferably within property, casualty, or motor insurance lines. Experience in the Mozambican insurance market or familiarity with local regulatory frameworks will be considered a strong asset.

Salary

The position offers a competitive salary ranging from SSP 250,000 to SSP 350,000 per month, commensurate with experience and qualifications. Performance‑based bonuses and annual salary reviews are part of Santam’s compensation structure.

Benefits

• Comprehensive health and life insurance coverage.
• Retirement savings plan with employer contributions.
• Paid annual leave and public holidays.
• Professional development allowance.
• Employee assistance program.
• Transportation allowance for commuting to the Lichinga office.

Training

• Onboarding program covering Santam’s policies, systems, and compliance standards.
• Continuous learning opportunities through internal workshops and external certifications.
• Mentorship from senior claims professionals.
• Access to e‑learning platforms for skill enhancement.

Working Environment

Santam’s Lichinga office provides a modern, collaborative workspace equipped with the latest technology to support efficient claim processing. The culture emphasizes teamwork, integrity, and a commitment to delivering exceptional service to policyholders. Flexible working arrangements may be considered based on operational needs.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining relevant experience through the online application portal on the Santam careers page. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for an initial interview. Successful applicants will undergo a competency‑based interview and a practical assessment related to claims evaluation.

Equal Opportunity Statement

Santam is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, age, disability, or sexual orientation. Our hiring practices support the principles of fairness and meritocracy, ensuring that every candidate receives equal consideration for employment in Mozambique.