Portfolio Underwriting Specialist - Commercial Insurance

An Exciting Opportunity to Shape the Future of SME Insurance

Are you an experienced underwriter with a passion for shaping portfolio strategy and driving innovation?

My client are looking for a Portfolio Underwriting Specialist to join a dynamic and forward-thinking team focused on transforming the world of SME insurance in the heart of Cardiff.

This is more than just underwriting individual policies, this role offers the chance to influence the strategic direction of a growing portfolio, bringing fresh thinking and innovation to a digital first approach. You'll play a critical role in helping to build a modern, flexible, and customer centric insurance offering.

What You'll Be Doing:

• Portfolio Strategy: Shape and guide the underwriting strategy for a growing SME insurance portfolio, ensuring it remains diverse, profitable, and aligned with business objectives.
• Technical Expertise: Provide expert underwriting advice and support to internal teams, helping to craft new products and improve existing ones.
• Decision Making: Be a key voice in strategic decisions around risk appetite, product innovation, and market positioning.
• Policy Development: Collaborate with product and governance teams to develop clear, customer-friendly policy wordings that meet both customer needs and regulatory requirements.
• Compliance & Governance: Work closely with compliance teams to ensure underwriting processes meet all internal and external regulatory standards.
• Process Innovation: Use your expertise to identify and implement process improvements that enhance both efficiency and customer experience.
• Data & Analysis: Analyse underwriting performance data to spot trends, identify opportunities, and inform strategic decisions.
• SME Package Expertise: Apply your deep understanding of SME package insurance to drive product innovation and maintain competitive positioning.

What We're Looking For:

• Strong experience in SME package insurance and portfolio underwriting.
• Proven ability to shape portfolio strategies and contribute to broader business decision-making.
• Analytical mindset, with confidence in interpreting data to guide strategy.
• Experience developing and maintaining underwriting rules and guidelines.
• Adaptability and a proactive approach, comfortable working in a fast-paced, evolving environment.
• Strong communication and collaboration skills, with a focus on customer centric thinking.

What's on Offer:

• Competitive salary and benefits package.
• 33 days holiday (including bank holidays) with options to buy or sell additional leave.
• Flexible working options to support work life balance.
• The chance to work in a fast-growing, innovative team that combines the energy of a start-up with the support of an established organisation.
• A collaborative, inclusive culture where your ideas and expertise will make a real impact.