What will you do?<\/p>\n
\tThe Merit Desktop Investigator plays a critical role in safeguarding the insurer from fraudulent, inflated, or misrepresented claims through effective desktop-based investigation.
\n\tThis 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.<\/p>\n
What will make you successful in this role?<\/p>\n
Minimum Qualification Required<\/p>\n
\tGrade 12 \/ SAQA Accredited Equivalent\u00a0
\n\tMechanical Engineering \/ Panel beating N2\/ N3 level\u00a0<\/p>\n
Minimum Experience<\/p>\n
\t2 – 4 years\u2019 work experience in the following
\n\tWorkshop \/ Motor Industry experience
\n\tFront line \/ client relationship experience in a panel beating environment.
\n\tPractical panel beating, spray painting, mechanical and electrical experience.
\n\tAssessing experience at a short-term insurer
\n\tEstimating in a panel beating environment<\/p>\n
Deliverables include, but will not be limited to<\/p>\n
\tConduct detailed desktop-based merit assessments of claims across personal and commercial lines, identifying red flags or anomalies.
\n\tAnalyse policy wording, claims documentation, incident details, and supporting evidence to determine the validity of the claim.
\n\tEngage with claimants, brokers, service providers, internal assessors, and third parties via phone, email, and digital platforms to gather required information.
\n\tDraft clear, defensible, and objective investigative reports with recommendations on repudiation, settlement, or escalation.
\n\tIdentify potential fraud indicators and refer or escalate complex matters to field investigators or the Forensic Team.
\n\tLiaise with legal, underwriting, or recoveries departments where needed to finalise the claim outcome.
\n\tMaintain accurate and detailed records on all investigations using case management tools or claim systems.
\n\tStay up to date with insurance fraud trends, regulatory frameworks, and investigative best practices.
\n\tContribute to fraud prevention strategies by identifying modus operandi, and suggesting control enhancements.<\/p>\n
Competencies Required<\/p>\n
\tAnalytical Thinking
\n\tAttention to Detail
\n\tEthical Judgement & Integrity
\n\tDecision-Making Ability
\n\tCommunication Skills
\n\tProblem Solving
\n\tAccountability & Ownership
\n\tCollaboration
\n\tResilience<\/p>\n
Qualification and Experience<\/p>\n
\tPreferably a qualified panel beater with specialised knowledge to accurately assess damage.<\/p>\n
Knowledge and Skills<\/p>\n
\tAutomotive Damage Claims
\n\tClaims Management
\n\tClaims Reporting
\n\tClaims approvals and rejections
\n\tClaims settlements<\/p>\n
\u00a0Deadline to apply: 22 October 2025.<\/p>\n
go to method of application \u00bb<\/p>\n
Apply via company website ( ) or<\/p>\n
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