Senior Underwriter

Avencia are partnered with a leading insurer who are looking to recruit a Senior Underwriter to join its growing Direct & Digital business.

The successful individual will influence underwriting decisions, portfolio performance, risk appetite application and product development, helping the business achieve profitable growth while maintaining strong underwriting discipline, customer outcomes and regulatory standards.

This role works across three key areas of the business:

• Frontline teams, who manage customer interactions and initial underwriting activity.
• Portfolio Heads, who own product performance and strategic direction.
• Governance, who set underwriting standards, controls and oversight.

This role connects all three, providing technical underwriting leadership, referral expertise and trading insight.

Key responsibilities include:

• Applying senior underwriting authority across Professional Indemnity risks within the Direct business.
• Assessing referrals that fall outside standard automated underwriting rules.
• Monitoring portfolio performance, including conversion, loss ratio and trading performance.
• Working with Product and Digital teams to review underwriting rules, referral pathways and customer journeys.
• Supporting new product development and enhancements to existing products.
• Ensuring underwriting governance, controls and technical documentation remain up to date.
• Contributing to projects focused on digital capability, automation and operational improvements.

We're interested in speaking with individuals who have experience assessing and trading Professional Indemnity risks and are looking to broaden their impact across a wider business.

Your background could be within an insurer, MGA or commercial broking environment.

You'll ideally bring:

• Strong technical knowledge of Professional Indemnity, with exposure to D&O risks advantageous.
• Experience making technical risk decisions or supporting complex referrals.
• An understanding of underwriting governance and risk appetite.
• The ability to analyse portfolio or trading performance and make commercially balanced decisions.
• Excellent stakeholder management skills and a collaborative approach.
• An interest in how technology, automation and digital trading are shaping the insurance market.