Kuala Lumpur

Manama

Singapore

Part Qualified

Associate

Qualified

Senior Actuary

Life

Health

Reserving

Reporting

Reinsurance

Risk

Systems

Modelling

Coding

Pricing

MoSes

Valuation

Excel

Takaful

Contract

RAFM

AXIS

About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property &amp; Casualty and Life &amp; Health.Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally.In our inclusive and flexible environment, everyone can bring their authentic selves to work and their passion for sustainability.About the teamThe L&amp;H Valuation &amp; Analysis team for Swiss Re Asia is responsible for delivering timely actuarial valuation, reporting and analysis activities for all L&amp;H reinsurance business written in Asia. It comprises people across Asia and is responsible for all the corporate actuarial requirements of the L&amp;H business.Activities of the team include:<ul><li>The calculation and monitoring of reserves;</li><li>Conducting experience studies and recommending assumptions to the Reserving Committee;</li><li>Monitoring and reporting of regulatory capital requirements;</li><li>Supporting the Appointed Actuary in meeting their statutory obligations;</li><li>Providing a service to other functions and units, including Pricing and Portfolio Management &amp; Insights.</li></ul>About the RoleYou will be at the forefront of financial reporting and business analysis. This role offers an exciting opportunity to apply your actuarial expertise in a collaborative environment while supporting the appointed actuary's internal and external responsibilities.You'll balance technical actuarial work with process improvement initiatives to drive efficiency and accuracy in our reporting frameworks.Key Responsibilities<ul><li>Perform IFRS 17 reporting activities, including quantification of impacts, analysis of results, and preparation of management information;</li><li>Conduct actuarial valuations for Family Retakaful + SEA traditional business, ensuring accuracy and timeliness;</li><li>Support the appointed actuary in fulfilling internal and external obligations;</li><li>Analyze experience and performance of the L&amp;H Retakaful portfolio;</li><li>Develop and enhance reporting processes, templates, and tools to improve efficiency and accuracy;</li><li>Mentor junior team members and contribute to knowledge sharing within the actuarial function.</li></ul>About you• 4-8 years of L&amp;H (re)insurance experience in either valuation or pricing functions.• Attained or close to attaining Fellowship in FIA, FIAA, FFA, FSA or another internationally recognized actuarial qualification.• Good understanding of IFRS and/or local reserving standards in Malaysia.• Proficient in MS Excel with strong technical skills in data analysis.• Fluent English communication skills.Additional nice to have skillsets/knowledge:• Knowledge of (Re)takaful Family business in pricing or valuation.• Experience with actuarial modelling software.• Familiarity with Malaysia’s (re)insurance and (re)takaful industry.

Position summary:Swiss Re is seeking a qualified actuary to join its regional P&C Actuarial Reserving team, reporting to Head Actuarial Reserving P&C SID & China.The position is responsible for the preparation of statutory filings and attending to statutory matters for the legal entity Swiss Re Asia Pte Ltd Malaysia Branch. It also fulfills the role of Signing/Appointed Actuary for the branch (both Conventional and Retakaful). Additionally, the position is responsible for leading the evaluation and preparation of group reserving for portfolios of Asia markets (Southeast Asia, India, Korea, and Greater China).Responsibilities:Specific responsibilities include but are not limited to the following:<ul><li>Take the responsibilities of the Appointed Actuary for the SRAL Malaysia branch Conventional reporting and Signing Actuary for SRAL Malaysia branch Retakaful reporting.</li><li>Lead the evaluation and preparation of group reserving for portfolios of Asia markets (Southeast Asia, India, Korea, and Greater China).</li><li>Knowledge of IFRS17.</li><li>Provide support to Appointed Actuaries for other branches in the region regarding the portfolios this position is in charge of.</li><li>Represent Swiss Re at actuarial and industry forums and maintain/forge relationships with senior actuaries in the region.</li><li>Work with regulators and internal/external auditors on routine and special matters.</li><li>Make recommendations to appropriate reserve committees and branch management.</li><li>Provide support to the Head of Actuarial & Reserving APAC for actuarial matters and statutory reporting requirements as necessary.</li><li>Support discussions with underwriting in relation to reserving feedback loops and other product analysis.</li><li>Work on other projects as assigned, including participating in internal underwriting audits.</li><li>Support other areas of the company including Finance and Planning.</li><li>Provide leadership to regional junior actuarial resources in their development of data analytics capabilities.</li><li>Supervise junior actuaries in the Kuala Lumpur office.</li></ul>Position Requirements:<ul><li>Qualified Actuary.</li><li>Minimum of 10 years' experience in a Property & Casualty environment (insurance/reinsurance).</li><li>University degree in actuarial science or related field (mathematics or finance).</li><li>Meet the requirements for Appointed Actuary of Swiss Re Asia Pte Ltd Malaysia Branch. Previous experience in a statutory role (AA or similar) would be viewed favorably.</li><li>Good knowledge of Malaysia statutory and regulatory environments. Knowledge of other APAC countries' statutory and regulatory environments would be viewed favorably.</li><li>Solid actuarial valuation and reporting experience. Very good understanding of accounting, information systems, and investments.</li><li>Practical experience with risk-based capital frameworks.</li><li>Accomplished interpersonal and communication skills – demonstrates a clear and articulate standard of written and verbal communication in a complex environment.</li><li>Excellent business sense and appreciation of sound risk management techniques.</li><li>Proactive in seeking out and providing information.</li><li>Independent self-starter.</li><li>Excellent project management skills.</li><li>Actively looks to add value and take on additional responsibility.</li><li>Ability to work under pressure and prioritize tasks accordingly.</li></ul>About Swiss Re:Swiss Re is one of the world’s leading providers of reinsurance, insurance, and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property & Casualty and Life & Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought, or other characteristics. In our inclusive and flexible environment, everyone can bring their authentic selves to work and their passion for sustainability.If you are an experienced professional returning to the workforce after a career break, we encourage you to apply for open positions that match your skills and experience.

About Risk ManagementWe live in turbulent and uncertain times, and Swiss Re’s vision of making the world more resilient through both our investment and our business activities is needed now more than ever. Risk Management is uniquely positioned to help make Swiss Re itself more resilient, enriching risk taking by using our accumulated risk knowledge, perspective, and experience. We help identify risks worth taking as well as steer away from risks that could destabilise the business. We deliver accurate valuations of the business to ensure appropriate reserves are available as well as providing in depth views on how business is performing. In other words, we help ensure the profitability of Swiss Re so that we’re around long-term to honour our promises.About the TeamThe L&amp;H Valuation &amp; Analysis team for Swiss Re Asia is responsible for delivering timely actuarial valuation, reporting and analysis activities for all L&amp;H reinsurance business written in Asia. The team is part of the Global L&amp;H Valuation &amp; Analysis team, and eventually comes under the wider remit of L&amp;H Risk Management.About the RoleThis role is a key contributor for actuarial reporting under local statutory bases including both IFRS 4 and IFRS 17 for Swiss Re Retakaful (SRR).Your main responsibilities will include:<ul><li>Support the production/review of the balance sheet and earnings under IFRS 4 &amp;17.</li><li>Perform cashflow validations, variance analysis and impact assessment to ensure reported numbers are of high quality</li><li>Communicate the issues/challenges with senior actuaries or stakeholders on time.</li><li>Collaborate closely with team members or cross functional teams in other locations to provide actuarial feedback loop or actuarial management support.</li><li>Support quarterly reserving and reporting processes including regulatory reporting to Bank Negara Malaysia</li><li>Assist in actuarial models onboarding, assumption change and data review to ensure they remain appropriate.</li><li>Support ad hoc requests from the team when necessary.</li></ul>About You<ul><li>Around 3 - 5 years of L&amp;H (re)insurance experience in either valuation or pricing functions.</li><li>Actuarial students of FIA, FIAA, FFA, FSA or another internationally recognized actuarial qualification.</li><li>Good understanding of at least one of USGAAP, MCEV and IFRS and local reserving standards in Malaysia or Singapore.</li><li>Good knowledge and proficiency of actuarial modelling systems; Moses/AXIS experience is desirable, but not essential.</li><li>Proficient in MS Excel.</li><li>Excellent interpersonal, communication and organisational skill.</li><li>Able to navigate in ambiguity and work autonomously.</li><li>Able to hold yourself accountable and have a solution-oriented mindset.</li><li>Fluent spoken and written English.</li><li>Knowledge in (Re)takaful Family business including pricing and valuation would be considered an advantage</li></ul>We are an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property &amp; Casualty and Life &amp; Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world.

 Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work and their passion for sustainability.

 If you are an experienced professional returning to the workforce after a career break, we encourage you to apply for open positions that match your skills and experience.

About the RoleThe key activities of the valuation team that you will be primarily responsible include:<ul><li>Quarterly reserving and reporting processes mainly for HK&amp;TW business (and support Malaysia Retakaful business as needed):
 - Ensuring the reporting process for L&amp;H business is adequately reflective of the changing business needs
 - Ensuring in-force data quality and proper determination of policy liabilities for IFRS, HK Statutory, Singapore Statutory, and Swiss Statutory
 - Monitor, project and communicate performance of HK&amp;TW and assigned L&amp;H business portfolios</li><li>Modelling Support mainly for HK&amp;TW business (and support Malaysia Retakaful business as needed):
 - To assist in setting up and refining data, model points and assumptions for onboarding of business to RAFM models
 - Ensuring that the business is onboarded appropriately from RAFM to Swiss Re L&amp;H reporting systems including validating impacts on IFRS and various Statutory basis.</li><li>Engage with other internal teams and with external clients and regulators to ensure effective management of L&amp;H in-force portfolios:
 - Act as the liaison point on HK&amp;TW L&amp;H business for other functions in Swiss Re, with special focus on actuarial feedback loop from valuation to pricing
 - Assist other teams, e.g. Portfolio Management, Technical Accounting&amp; Financial Controlling</li></ul>About the TeamReporting to Head L&amp;H Valuation HK, TW &amp; Korea, you will be primarily responsible for the activities of the valuation in Hong Kong and Taiwan ("HK&amp;TW") markets. The valuation team is part of the Risk Management L&amp;H Re in Swiss Re, responsible for managing the actuarial valuation, reporting and analysis for all reinsurance business written in Asia.The valuation team in Asia supports Swiss Re's L&amp;H business in Asia excluding Australia/New Zealand/China by providing financial information and advice on past and expected future profitability and experience. This team works closely with other departments in Asia's L&amp;H Community, including Pricing, Portfolio Management, and Client Markets teams. Furthermore, the team has interdependent relationships with other units within the Risk Management L&amp;H Re.The successful candidate will need to proactively liaise with cross functional teams and is required to foster a strong team culture to drive delivery of the overall in-force management mandateAbout You<ul><li>Strong knowledge and working experience in L&amp;H business, plus the ability to communicate business needs with internal clients and external regulators is key to success in this role;</li><li>At least 3 years of L&amp;H valuation or pricing experience in reinsurance, primary insurance or insurance consultancy;</li><li>Good progress in Actuarial Professional examinations;</li><li>Excellent interpersonal, communication, organisational skills;</li><li>Ability to balance rigorous technical requirements and business mind-set to be solutions oriented; Strong technical knowledge and the ability to analysis large amounts of data;</li><li>A basic understanding of USGAAP, MCEV and HK local reserving. Knowledge in Singapore local reserving standard &amp; IFRS17 would be considered an advantage;</li><li>Good knowledge and proficiency of actuarial modelling systems; RAFM experience is desirable, but not essential;</li><li>Proficient in MS Excel. Knowledge of MS Access and/or SQL would be considered an advantage.</li></ul>We are an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property &amp; Casualty and Life &amp; Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work and their passion for sustainability.

For our department Financial Accounting & Reporting we are seeking to appoint a Financial Reporting Actuary commencing immediately on a permanent, full-time basis to join our team in Bahrain.You can look forward to<ul><li>Compiling and processing actuarial reserve analyses (SII, IFRS, AAOIFI) and planning and forecasting information.</li><li>Reporting and analysis to meet regulatory requirements.</li><li>Drawing up quarterly and annual financial statements in accordance with HGB and IFRS; including preparation of various disclosure requirements.</li><li>Drawing up quarterly and annual economic valuation in accordance with Solvency II.</li><li>Providing reporting packs to the signing Actuary and External Auditors</li><li>Analysis of portfolio / cohorts and related date entries to ensure modelling applied is consistent and in line with reporting standards, under various accounting regimes.</li></ul>You come equipped with<ul><li>Degree in Actuarial Science</li><li>Fellow or Associate of the Society of Actuaries or equivalent.</li><li>Minimum of 5 years' valuations experience within a life insurance or reinsurance environment</li><li>Working knowledge of technical requirements and creative problem solving skills</li><li>Proven track record of the application of actuarial principles and methods</li><li>Strong time management skills and ability to prioritize tasks and responsibilities</li><li>Competent skills in MS Office, SAP, VBA, any other programming languages</li><li>Excellent written and oral communication skills</li><li>On a personal level, you can impress us with your strong analytical capabilities and an ability to work in a team. If you also value a methodical, self-reliant and responsible style of working and have a growth mind-set, our team is the one to join!</li></ul>What We Offer<ul><li>Atmosphere: You will find an international working environment with short decision channels, an open feedback culture and a sense of community shaped by mutual esteem and a readiness to help.</li><li>Benefits: Structured onboarding, flexible working hours, life and medical insurance as well as modern offers for personal development, health management and work-life balance are just some of our benefits.</li><li>Prospects: You contribute your specialist and methodological expertise and we offer you fresh input and the opportunity to further develop your potential – including room to come up with innovative ideas and act on them!</li></ul>Apply simply and securely by clicking on the apply now button.

Munich Re is one of the top providers of reinsurance, primary insurance, and insurance-related risk solutions in the world.  A unique position exists to be a part of that global success story.This is an exciting, challenging opportunity to join LH2 Financial Reporting Team as Valuation Actuary. This team oversees valuation, reserving and financial reporting for Life and Health business of Munich Re entities in Asia markets (i.e., Southeast Asia, Malaysia Retakaful, Korea, Japan and MENA) and is embedded in the global Central Life Reserving team, which is covering all relevant global and local valuation bases including Solvency II, IFRS 17 and HGB.Offer:<ul><li>You will lead the supporting activities for Solvency II, IFRS 17, Local Statutory and HGB reporting for Asia entities</li><li>Responsible for mentoring and leading junior members</li><li>Perform regular experience monitoring, treaty performance analysis and assumption review</li><li>Maintain the valuation data, and ensure models and processes are up-to-date and with appropriate documentation</li><li>Close coordination with the heads of business units and finance departments to ensure treaties are accurately set up, valued and reported</li><li>Deliver high-quality information to management and relevant departments for their business decision-making</li><li>Provide support for business development activities</li><li>Maintain knowledge of current actuarial developments for multiple valuation bases (i.e., IFRS17) and developments in the (re)insurance industry across several markets</li><li>Close collaboration with the regional valuation team based in Singapore</li><li>You will have responsibility to lead ad-hoc projects or training</li></ul>Profile:<ul><li>Degree in Actuarial Science, Mathematics or Statistics</li><li>Qualified actuary of a recognised actuarial body (FSA, FIA, FIAI, FIAA or equivalent)</li><li>5+ years actuarial experience within the valuation function of life (re)insurance</li><li>Profound understanding of economic valuations (i.e., Solvency II or IFRS17)</li><li>Strong analytical, problem solving and research skills</li><li>Excellent verbal and written communication skills</li><li>Personality traits: responsible, proactive, adaptive, meticulous, team player but with the ability to work independently</li><li>Proficiency in excel (can perform complex functions), VBA and database management systems</li><li>Working knowledge of traditional life, health and financial reinsurance business is an advantage</li><li>Knowledge of other local specific reporting basis (i.e., Korea GAAP, Japan GAAP) is an advantage</li><li>Knowledge of Retakaful business is an advantage</li></ul>About Munich ReOur business model is based on the combination of primary insurance and reinsurance under one roof. We take on risks worldwide of every type and complexity, and our experience, financial strength, efficiency and first-class service make us the first choice for all matters relating to risk. Our client relationships are built on trust and cooperation. If you would be interested in helping shape the future as part of one of our teams, we look forward to hearing from you. At Munich Re, we embrace, and value, the interaction of diverse backgrounds, experiences, perspectives and thought. This interaction is our foundation. Of our open culture and spirit of partnership. Of how our teams are built and cultivated. Of how we are supported and developed. And at the centre of this interaction is each of us.

Munich Re is one of the top providers of reinsurance, primary insurance, and insurance-related risk solutions in the world.  A unique position exists to be a part of that global success story.
This is an exciting, challenging opportunity to join LH2 Financial Reporting Team as a Valuation Actuary.  This team oversees valuation, reserving and financial reporting for Life and Health business of Munich Re entities in Asia markets (i.e., Southeast Asia, Malaysia Retakaful, Korea, Japan, India and Greater China) and is embedded in the global Central Life Reserving team, which is covering all relevant global and local valuation bases including Solvency II, IFRS 17 and HGB. Offer:<ul>
<li>You will take the lead on Solvency II, IFRS17, Local Statutory and HGB reporting for Asia entities.</li>
<li>Responsible for mentoring and leading junior members of the valuation team</li>
<li>Perform regular experience monitoring, treaty performance analysis and assumption review</li>
<li>Maintain the valuation data, and ensure models and processes are up-to-date and with appropriate documentation.</li>
<li>Close coordination with business units and CFO departments to ensure treaties are accurately set up, valued and reported.</li>
<li>Deliver high quality information to management and business units for their business decision-making.</li>
<li>Provide support for business development activities.</li>
<li>Maintain knowledge of current actuarial developments for multiple valuation bases (i.e., IFRS17) and developments in the (re)insurance industry across several markets.</li>
<li>You will have responsibility to lead ad-hoc projects.</li>
</ul>Profile:<ul>
<li>Degree in Actuarial Science, Mathematics or Statistics</li>
<li>Qualified actuary of a recognised actuarial body (FSA, FIA, FIAI, FIAA or equivalent)</li>
<li>5+ years actuarial experience within the valuation function of life (re)insurance</li>
<li>Strong analytical, problem solving and research skills</li>
<li>Excellent verbal and written communication skills</li>
<li>Personality traits: responsible, proactive, adaptive, meticulous, team player but with the ability to work independently</li>
<li>Proficiency in excel (can perform complex functions), VBA and database management systems.</li>
<li>Knowledge of economic valuations (i.e., Solvency II or IFRS17) is an advantage.</li>
<li>Working knowledge of traditional life, health and financial reinsurance business is an advantage.</li>
<li>Knowledge of AXIS is an advantage.</li>
</ul> Our business model is based on the combination of primary insurance and reinsurance under one roof. We take on risks worldwide of every type and complexity, and our experience, financial strength, efficiency and first-class service make us the first choice for all matters relating to risk. Our client relationships are built on trust and cooperation. If you would be interested in helping shape the future as part of one of our teams, we look forward to hearing from you.  At Munich Re, we embrace, and value, the interaction of diverse backgrounds, experiences, perspectives and thought. This interaction is our foundation. Of our open culture and spirit of partnership. Of how our teams are built and cultivated. Of how we are supported and developed. And at the centre of this interaction is each of us.<div>Munich Re is one of the top providers of reinsurance, primary insurance, and insurance-related risk solutions in the world.  A unique position exists to be a part of that global success story.This is an exciting, challenging opportunity to join LH2 Financial Reporting Team as a Valuation Actuary. This team oversees valuation, reserving and financial reporting for Life and Health business of Munich Re entities in Asia markets (i.e., Southeast Asia, Malaysia Retakaful, Korea, Japan, India and Greater China) and is embedded in the global Central Life Reserving team, which is covering all relevant global and local valuation bases including Solvency II, IFRS 17 and HGB.Offer:<ul><li>You will take the lead on Solvency II, IFRS17, Local Statutory and HGB reporting for Asia entities.</li><li>Responsible for mentoring and leading junior members of the valuation team</li><li>Perform regular experience monitoring, treaty performance analysis and assumption review</li><li>Maintain the valuation data, and ensure models and processes are up-to-date and with appropriate documentation.</li><li>Close coordination with business units and CFO departments to ensure treaties are accurately set up, valued and reported.</li><li>Deliver high quality information to management and business units for their business decision-making.</li><li>Provide support for business development activities.</li><li>Maintain knowledge of current actuarial developments for multiple valuation bases (i.e., IFRS17) and developments in the (re)insurance industry across several markets.</li><li>You will have responsibility to lead ad-hoc projects.</li></ul>Profile:<ul><li>Degree in Actuarial Science, Mathematics or Statistics</li><li>Qualified actuary of a recognised actuarial body (FSA, FIA, FIAI, FIAA or equivalent)</li><li>5+ years actuarial experience within the valuation function of life (re)insurance</li><li>Strong analytical, problem solving and research skills</li><li>Excellent verbal and written communication skills</li><li>Personality traits: responsible, proactive, adaptive, meticulous, team player but with the ability to work independently</li><li>Proficiency in excel (can perform complex functions), VBA and database management systems.</li><li>Knowledge of economic valuations (i.e., Solvency II or IFRS17) is an advantage.</li><li>Working knowledge of traditional life, health and financial reinsurance business is an advantage.</li><li>Knowledge of AXIS is an advantage.</li></ul>Our business model is based on the combination of primary insurance and reinsurance under one roof. We take on risks worldwide of every type and complexity, and our experience, financial strength, efficiency and first-class service make us the first choice for all matters relating to risk. Our client relationships are built on trust and cooperation. If you would be interested in helping shape the future as part of one of our teams, we look forward to hearing from you. At Munich Re, we embrace, and value, the interaction of diverse backgrounds, experiences, perspectives and thought. This interaction is our foundation. Of our open culture and spirit of partnership. Of how our teams are built and cultivated. Of how we are supported and developed. And at the centre of this interaction is each of us.</div>

Country

City

Experience

Hide closed jobs

Health Actuary Jobs & Actuarial Careers in the Health Sector