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Are you looking for a career that will directly impact business outcomes and earning results?

If you’re looking to add value, make an impact, and use strong analytical and math skills in a fast-paced environment, starting your career within Evernorth's PBM Finance Underwriting team at The Cigna Group will allow you to do all this and more. As part of our Underwriting team, you will directly impact our business on a daily basis, protecting The Cigna Group‘s sound financial position which enables us to meet our financial commitments to our customers.

The Risk & Underwriting Senior Analyst role will be responsible for all underwriting activities in supporting Sales and Account Management (SAM) for renewing and new sales clients. The Risk & Underwriting Senior Analyst will develop client-specific pricing strategies with competitive offers in the marketplace for all requests. These requests may include Request for Proposals (RFPs), Direct Renewals and Market Checks. The associate will also provide underwriting support for all ad hoc analyses (i.e. evaluating a change in formulary request, evaluating a change in retail network or retail arrangement requests, evaluating a change in specialty arrangement request, etc.) with a potential financial impact. Our training program will allow you to gain in-depth knowledge of the Pharmacy Benefits Management (PBM) Industry and our specific underwriting methods.

What you’ll do:

• Provide underwriting support to Sales and Account Management (SAM) for renewing and new sales clients by developing client-specific pricing strategies with competitive offers in the marketplace for Request for Proposals (RFP), Direct Renewal and Market Checks.

• Provide underwriting support to SAM for all ad hoc analyses which have a potential financial impact.

• Provide support related to contracting process and install process for renewing and new salesclients.

• Work collaboratively with internal partners to ensure we are proposing financial offers in alignment with Pricing Guidelines.

• Ensure consistent approach to market and Benefit Advisors

• Support Strat Plan, Budget, and Forecast development of Rate Relief, Pass-Through Shortfall, and Gross Margin

Qualifications:

• Bachelor’s degree required. Preference for the following major and/or minors are preferred: Risk Management, Economics, Statistics, Mathematics, or Finance

• Preferred GPA of 3.0 or higher

• 0-3 years of relevant work experience

• Relevant internship in related field preferred (Risk Management, Economics, or Finance or similar)

• Ability to make good and timely decisions by interpreting and applying understanding of key financial indicators

• Excellent verbal and written communication skills

• Ability to learn through experimentation when tackling new problems

• Ability to juggle various priorities and workplace demands

• Ability to build partnerships and work collaboratively with others to meet shared objectives

• High comfort level with math/numbers

• Strong analytical and problem-solving skills

• Strong business acumen with leadership, innovative thinking, and customer centric mindset

• Strong ability with Microsoft Office and Excel

Other Information:

• Program Start Date : July 14th, 2025

• Location:  This is a Hybrid position out of our Bloomfield, CT; Philadelphia, PA; Franklin, TN; Chattanooga, TN; Morris Plains, NJ; Bloomington, MN, or St. Louis MO Offices. A hybrid position means that you will be expected to work in-person at least 3 days at your assigned office location, with flexibility to work at home for balance of time. 

• Timeline: Our recruitment process consists of several rounds including a recruiter phone screen and up to 3 rounds of interviews. Recruitment will conclude by late November.

• 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.

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.

About The Cigna Group

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.

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 require reasonable accommodation in completing the online application process, please email: SeeYourself@cigna.com for support. Do not email SeeYourself@cigna.com for an update on your application or to provide your resume as you will not receive a response.

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.