Underwriting Analyst

• Assess small and standard Group Protection schemes alongside experienced underwriters
• Apply underwriting guidelines and evaluate risk and commercial viability
• Support sound underwriting decisions
• Take increasing ownership of monthly loss ratio reporting and portfolio analysis
• Identify emerging trends, risk exposures and opportunities to improve portfolio performance and profitability
• Develop analytical reports, dashboards and management information for Group Savings and Group Protection schemes
• Identify unusual patterns, deteriorating experience and areas requiring further investigation
• Maintain accurate management information
• Support control processes and ensure records remain robust, auditable and compliant with internal governance requirements
• Build relationships with colleagues across the wider insurance business
• Complete the internal underwriting training programme

• Previous insurance experience would be advantageous but is not essential
• Genuine interest in how economic, social and geopolitical factors can influence risk and business outcomes
• Strong analytical and problem-solving skills
• Ability to interpret complex information and draw evidence-based conclusions
• Ability to manage competing priorities and make sound judgements
• Ability to communicate recommendations within established guidelines
• Proactive and adaptable approach
• Willingness to take ownership, embrace change and continuously learn
• Strong written and verbal communication skills
• Ability to explain analysis and decisions clearly to a range of stakeholders
• Confidence working with data
• Willingness to develop technical analytical skills
• Experience with Excel, SQL, R, Python or similar tools would be advantageous

Demonstrates strong analytical skills and the ability to interpret complex information to support sound underwriting decisions. Proficient in developing analytical reports and dashboards while maintaining compliance with internal governance requirements.

• Analytical Skills
• Risk Assessment
• Portfolio Analysis
• Data Interpretation
• Communication Skills

• Underwriting Guidelines
• Risk Evaluation
• Loss Ratio Reporting
• Portfolio Performance Improvement
• Management Information Development

• Problem-Solving
• Proactive Approach
• Adaptability
• Judgment
• Relationship Building

• Group Protection
• Insurance
• Governance Compliance
• Economic Factors
• Geopolitical Factors

• Excel
• SQL
• R
• Python