Job Description

Who are we?

MiWay is a direct financial services company. We are passionate about service excellence, convenience and offering our clients superior value products. Our Vision is to be a world-class direct financial services business that offers a complete array of services under one convenient umbrella - all managed online. We are positive that with the right people on board, we will continue to grow and give our clients the freedom to do things their way - free from worry and most importantly at peace with all the "what-ifs" of the world. Company values that every employee subscribes to are: Energy, Freedom, Accountability and Attitude. The ideal candidate is one who has the courage to be bold and subscribes to MiWay's core values! Do you have a positive attitude, love a challenge, treat your colleagues with respect and look for solutions, not problems? If yes, then MiWay is the place for you!

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. Engage with claimants, brokers, service providers, internal assessors, and third parties via phone, email, and digital platforms to gather required information. 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

The shortlisting process will only start once the application due date has been reached. The time taken to complete this process will depend on how far you progress and the availability of managers.

Deadline to apply: 22 October 2025.

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.