AVP, SME Underwriting; P&C

Dubai, United Arab Emirates | Posted on 07/04/2026

We are hiring for our client, a well-established insurance organization, seeking a high‑calibre SME Underwriter to strengthen their growing portfolio. This role is suited for a technically strong and commercially aware professional who can navigate underwriting decisions while actively contributing to business growth.

You will play a pivotal role at the intersection of underwriting and distribution, working closely with sales teams and leveraging digital tools to enhance efficiency, improve turnaround times, and deliver sustainable portfolio performance.

• Underwrite SME risks across Property, Casualty, Financial Lines, and related products
• Assess client financials, risk exposures, and business profiles to determine pricing and coverage structures
• Collaborate with sales teams, brokers, and distribution partners to support acquisition and retention strategies
• Drive underwriting decisions aligned with profitability targets and loss ratio management
• Utilize digital platforms, CRM systems, and analytics tools to streamline underwriting processes
• Review renewals, endorsements, and policy changes with a focus on risk quality and client value
• Track portfolio performance and recommend adjustments to maintain underwriting discipline
• Contribute to product enhancements, pricing inputs, and process optimization initiatives
• Ensure adherence to internal guidelines, compliance standards, and audit requirements

• 5–7 years of SME underwriting experience within reputable insurance organizations
• Exposure to both underwriting and business-facing or distribution environments
• Bachelor’s or postgraduate degree in Commerce, Finance, Insurance, or a related field
• Professional insurance certifications are an advantage
• Strong knowledge of SME products including Property, Liability, Engineering, Marine, or package policies
• Familiarity with digital underwriting tools and data‑driven decision‑making approaches
• Strong analytical thinking with sound underwriting judgment
• Effective communication and stakeholder management skills
• Ability to balance technical underwriting with commercial objectives