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About the Role

We are seeking an experienced SME underwriter to manage portfolio performance and product development for Commercial Combined, Property Owners, and Office books. This role involves hands-on underwriting and product development, translating underwriting strategy into product definitions within Acturis. You will be responsible for achieving new business and quote/bind ratio targets, optimizing digital trading through data integration, and shaping risk appetite.

Responsibilities

Implement, define, and monitor underwriting appetite & rules for new and existing products.
Collaborate on coverage analysis for new or optimized products to ensure market relevance and alignment with underwriting strategy.
Ensure appropriate use of data for risk selection in an eTrade model aligned with target strategy.
Provide underwriting guidance for referral handling, including information collection and risk management approaches.
Identify and implement corrective actions based on portfolio analysis, addressing knowledge or behavioral gaps through communication, coaching, and training.
Manage portfolio profitability, growth, and retention while maintaining underwriting quality.
Underwrite and negotiate risks, including Mid Term Adjustments (MTAs), to minimize risk and maximize profitability.
Proactively manage the SME portfolio to achieve key performance indicators and target new business and retention.
Identify and capture opportunities to write additional lines of business.
Utilize technology platforms to efficiently quote and bind E-Trade risks.
Prepare, lead, and present Underwriting Reviews and manage action points.
Cultivate and maintain relationships with internal partners to identify cross-selling opportunities.
Foster and maintain relationships with brokers to ensure understanding of SME products and objectives.
Develop and roll out UW training material to support SME product trading.
Provide support and collaboration across SME, including coaching and guidance.
Perform other duties as assigned.

Requirements

Expert knowledge of products, the regulatory environment, and the local insurance market.
Ability to execute strategic direction across assigned portfolio in partnership with leadership.
Strong critical thinking skills with the ability to underwrite, market products, identify financial challenges, and analyze information for decision-making.
Excellent communication skills with the ability to negotiate successfully in difficult situations with brokers.
Ability to work with and lead people from diverse backgrounds, leveraging differences to achieve business goals.
Experience coaching and mentoring others.
Review competitor press releases and industry trade press for insights and applicability to team strategies.
Participate in and/or lead projects involving complex analysis and implementation of business and regulatory changes related to product enhancement, maintenance, or introduction.
Advanced experience of underwriting, product knowledge, financial analysis, or risk assessment experience.

Skills

Acturis
Rules-based underwriting environments
Data-led analysis
Commercial mindset
Analytical capability
Broker engagement

Location

Work Type

Full-time
Hybrid

Experience Level

Experienced SME underwriter
Advanced experience

Education Level

A-Levels or similar qualification

Benefits

Private Medical Insurance (single cover provided, option to add dependents)
Pension Plan (core contribution with increased company contribution for employee contributions)
Holiday Entitlement (minimum 25 days annually, option to purchase up to 35)
Wellness Programme (tools, discounts, resources, mental health program with free professional counseling)
Volunteer Encouragement (Matching Gift and Volunteer Rewards programme)

About the Company

Taking care of our customers, our communities and each other.
Maintained a reputation as one of the best property casualty insurers in the industry for over 170 years.
Culture rooted in innovation and thrives on collaboration.

Equal Opportunity

Travelers is an equal opportunity employer.
We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.