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About the Role

Lead the performance and optimization of the end-to-end Policy Fraud portfolio, driving commercial value through effective design, performance, and continuous improvement of fraud controls, underwriting referrals, and operational processes. Act as the critical link between Underwriting, Analytics, and Operations, accountable for maximizing fraud prevention outcomes, reducing friction for genuine customers, and delivering sustainable profitability through an effective fraud control framework.

Responsibilities

Own the performance of the Policy Fraud portfolio against agreed fraud, commercial, and customer measures.
Identify opportunities to improve fraud detection, referral efficiency, and underwriting outcomes.
Drive initiatives that improve loss ratio, referral performance, and operational efficiency.
Present portfolio performance, risks, and opportunities to senior stakeholders.
Act as the senior fraud representative for policy fraud referrals and controls.
Influence underwriting strategy through operational insights and fraud intelligence.
Partner with analytics, pricing, and underwriting teams to improve referral rules and control performance.
Support the next generation of fraud prevention strategies.
Optimize end-to-end workflows and remove process inefficiencies.
Ensure consistent operating models across workstreams.
Coordinate change activity impacting operations.
Lead the review of significant fraud and large loss cases to identify control weaknesses and emerging fraud threats.
Produce actionable insights that strengthen controls.
Identify trends, vulnerabilities, and opportunities.
Ensure lessons learned are translated into measurable business improvements.
Lead initiatives to improve the effectiveness and efficiency of fraud operations.
Identify automation opportunities.
Support the implementation of new fraud controls, decisioning capabilities, and customer journeys.
Drive simplification and standardization of operational processes.

Requirements

Demonstrable experience in owning the performance of the Policy Fraud portfolio against agreed fraud, commercial, and customer measures.
Demonstrable experience in identifying opportunities to improve fraud detection, referral efficiency, and underwriting outcomes.
Demonstrable experience in driving initiatives that improve loss ratio, referral performance, and operational efficiency.
Demonstrable experience in presenting portfolio performance, risks, and opportunities to senior stakeholders.
Demonstrable experience in acting as the senior fraud representative for policy fraud referrals and controls.
Demonstrable experience in influencing underwriting strategy through operational insights and fraud intelligence.
Demonstrable experience in partnering with analytics, pricing, and underwriting teams to improve referral rules and control performance.
Demonstrable experience in supporting the next generation of fraud prevention strategies.
Demonstrable experience in optimizing end-to-end workflows, removing process inefficiencies.
Demonstrable experience in ensuring consistent operating models across workstreams.
Demonstrable experience in coordinating change activity impacting operations.
Demonstrable experience in leading the review of significant fraud and large loss cases to help identify control weaknesses and emerging fraud threats.
Demonstrable experience in producing actionable insights that strengthen controls.
Demonstrable experience in identifying trends, vulnerabilities, and opportunities.
Demonstrable experience in ensuring lessons learned are translated into measurable business improvements.
Demonstrable experience in leading initiatives to improve the effectiveness and efficiency of fraud operations.
Demonstrable experience in identifying automation opportunities.
Demonstrable experience in supporting the implementation of new fraud controls, decisioning capabilities, and customer journeys.
Demonstrable experience in driving simplification and standardization of operational processes.
Extensive experience across insurance fraud, underwriting, financial crime, or commercial risk management.
Strong understanding of fraud controls, referral strategies, and operational performance management.
Experience in leading and delivering measurable commercial outcomes, change, and transformation initiatives.
Exceptional stakeholder management skills with the ability to influence senior leaders.
Strong analytical capability with the ability to interpret complex data and convert insights into action.
Commercially minded with a strong understanding of insurance profitability drivers.
Regrettably, we are unable to offer sponsorship for this role.

Skills

Insurance fraud
Underwriting
Financial crime
Commercial risk management
Fraud controls
Referral strategies
Operational performance management
Leading and delivering measurable commercial outcomes
Change and transformation initiatives
Stakeholder management
Influencing senior leaders
Analytical capability
Data interpretation
Insight generation
Commercial acumen
Insurance profitability drivers

Location

Leicester
London
Bexhill

Work Type

Hybrid

Experience Level

Extensive experience across insurance fraud, underwriting, financial crime or commercial risk management
Experience in leading and delivering measurable commercial outcomes, change and transformation initiatives

Salary/Compensations

Competitive salary
£5k car allowance

Benefits

Flexible working
Competitive bonus scheme
Private medical insurance
Life assurance cover (4x salary)
Income protection
Matched pension contributions up to 10%
Discounts
Cashback
Free independent mortgage advice
Free access to financial wellbeing support
Thrive mental health app
Colleague assistance programme (24/7)
In-house mental health first aiders
Support groups
27 days annual leave + bank holidays
Option to buy or sell one week of annual leave
Health care cash back plans
Dental plans
Discounted health assessments
Cycle to work scheme
Tech scheme
Discounted and free onsite facilities
Social events

About the Company

Hastings Direct is a digital insurance provider with ambitious plans to become The Best and Biggest in the UK market.
We’ve made huge investments in our data and tech capabilities over the past few years, along with nurturing our 4Cs culture.
We provide insurance for over four million customers.
We call it the 4Cs: getting it right for our colleagues, customers, company, and community.
We believe by creating the right culture for our colleagues and giving them the right tools to do their job, we’ll deliver good outcomes for every customer, helping us to grow the company profitably and sustainably and allowing us to invest in the communities we serve.

Equal Opportunity

As a Disability Confident employer, we’re committed to ensuring our recruitment processes are fully inclusive.
If you’re applying for a job with us, you’ll have fair access to support and adjustments throughout your recruitment journey.
We also welcome applications through the Disability Confident Scheme (DCS).
Hastings Group is an equal opportunities employer which means we treat people fairly.
We welcome applications from all suitably skilled persons regardless of their gender, age, race, disability, ethnic background, religion/belief, sexual orientation, gender reassignment or marital/family status.
Please also note that we have a thorough referencing process, which includes credit and criminal record checks.
At Hastings Direct, we’re committed to creating an inclusive environment where everyone has the opportunity to succeed.
If you require any reasonable adjustments during the recruitment process, we encourage you to be open with us.
Our recruitment team is here to provide the support you need to ensure a fair and accessible experience for all.