Senior Commercial Underwriter

Senior Commercial Underwriter (Portfolio Focus) – Birmingham (Hybrid) - Up to £75k

A fast-growing commercial MGA is hiring a senior underwriter into a portfolio-led role, focused on performance, profitability and strategic development across SME commercial products.

This role suits an experienced commercial underwriter who enjoys looking beyond individual risks and influencing underwriting strategy, appetite and product direction using MI and market insight.

You’ll be accountable for the performance of assigned product and scheme portfolios, using MI and market insight to drive profitable growth and ensure alignment with risk appetite.

• Owning portfolio performance against budget and profitability targets
• Analysing MI to identify trends, risks and opportunities, and implementing corrective actions
• Developing and refining underwriting strategies, rules and terms
• Leading deep-dive analysis across conversion, retention, claims and customer behaviour
• Producing regular portfolio reporting and independent monthly analysis
• Supporting the full product lifecycle, including documentation and underwriting guides
• Contributing to strategic projects focused on growth, pricing and product evolution
• Building strong relationships with internal stakeholders and senior leadership
• Representing the business in relevant market and MGA forums

• Or experience as a Senior / Development Underwriter with portfolio exposure
• Strong technical background in SME commercial underwriting (property & liability)
• Confident working with MI, data and analytics to inform strategic decisions
• Experience in MGA, insurer or delegated authority environments preferred
• Solid understanding of underwriting principles, risk selection and the underwriting cycle
• Commercial mindset with the confidence to challenge and influence
• Excellent communication and stakeholder management skills

• High-impact role with real strategic ownership
• Entrepreneurial, growth-focused environment
• Opportunity to shape underwriting strategy and product direction