Motor Desktop Assessor

**Who are we?**

**What will you do?**
- The Merit Desktop Investigator plays a critical role in safeguarding the insurer from fraudulent, inflated, or misrepresented claims through effective desktop-based investigation. This role requires strong analytical acumen, attention to detail, and the ability to make well-supported merit decisions without the need for physical fieldwork. The incumbent will evaluate commercial and personal lines claims to ensure validity, policy compliance, and fairness to all parties.

**What will make you successful in this role?**

**Minimum Qualification Required**
- Grade 12 / SAQA Accredited Equivalent
- Mechanical Engineering / Panel beating N2/ N3 level

**Minimum Experience**
- 2 - 4 years’ work experience in the following
- Workshop / Motor Industry experience
- Front line / client relationship experience in a panel beating environment.
- Practical panel beating, spray painting, mechanical and electrical experience.
- Assessing experience at a short-term insurer
- Estimating in a panel beating environment

**Deliverables include, but will not be limited to**
- Conduct detailed desktop-based merit assessments of claims across personal and commercial lines, identifying red flags or anomalies.
- Analyse policy wording, claims documentation, incident details, and supporting evidence to determine the validity of the claim.
- Draft clear, defensible, and objective investigative reports with recommendations on repudiation, settlement, or escalation.
- Identify potential fraud indicators and refer or escalate complex matters to field investigators or the Forensic Team.
- Liaise with legal, underwriting, or recoveries departments where needed to finalise the claim outcome.
- Maintain accurate and detailed records on all investigations using case management tools or claim systems.
- Stay up to date with insurance fraud trends, regulatory frameworks, and investigative best practices.
- Contribute to fraud prevention strategies by identifying modus operandi, and suggesting control enhancements.

**Competencies Required**
- Analytical Thinking
- Attention to Detail
- Ethical Judgement & Integrity
- Decision-Making Ability
- Communication Skills
- Problem Solving
- Accountability & Ownership
- Collaboration
- Resilience

**Qualification and Experience**
- Preferably a qualified panel beater with specialised knowledge to accurately assess damage.

**Knowledge and Skills**
- Automotive Damage Claims
- Claims Management
- Claims Reporting
- Claims approvals and rejections
- Claims settlements

**Personal Attributes**
- Interpersonal savvy - Contributing independently
- Decision quality - Contributing independently
- Action orientated - Contributing independently
- Optimises work processes - Contributing independently

**Build a successful career with us**
- We’re all about building strong, lasting relationships with our employees. We know that you have hopes for your future - your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its five business clusters - Sanlam Fintech, Sanlam Life and Savings, Sanlam Investment Group, Sanlam Allianz, Santam, as well as MiWay and the Group Office - the group provides many opportunities for growth and development.

**Core Competencies**
- Cultivates innovation - Contributing independently
- Customer focus - Contributing independently
- Drives results - Contributing independently
- Collaborates - Contributing independently
- Being resilient - Contributing independently

**Turnaround time**

**Our commitment to transformation**

At MiWay we believe in cultivating a positive and dynamic working environment that gives you freedom and opportunity to succeed. MiWay is committed to transformation and embracing diversity. This is what drives us to achieve a multicultural workplace with employment equity as a key goal to create an inclusive workforce, reflective of the demographics of our society.