Underwriter, Finance & Banking

Underwriter Who are Diligenta?

Diligenta's vision is to be acknowledged as Best-in-class Platform-based Life and Pensions Administration Service provider. Customer service is at the heart of everything we do, and our aim is to transform our clients' operations. A business that has been described as ‘home’ by existing employees, we drive a culture that is founded on positive change and development.

As a Underwriter, you will proactively assess customer applications across multiple product types, ensuring business is written efficiently and effectively. You will make outbound calls to customers to gather medical information, interpret this alongside policy terms and conditions, and make fair, accurate decisions on applications. This role is central to delivering excellent customer outcomes, combining strong communication and administration skills with a focus on compliance, accuracy, and customer service.

You will also support less experienced team members by sharing knowledge and expertise, helping to build a collaborative and high-performing team.

• 33 days including Bank Holidays
• Eligibility for an annual discretionary bonus scheme
  • Personal and career development opportunities to progress your aspirations within the company as well as through our global parent company (Tata Consultancy Services)
• Access to Perks at Work (an online discounted shopping platform) saving you money on a wide range of goods and services, including your weekly food shop, holidays and electrical goods.
• Cycle to Work Scheme & Interest-free Season Ticket loans.
• A company wide Wellbeing programme, including an Employee Assistance Programme and other benefits/resources to support your mental/physical and financial wellbeing.
• A comprehensive set of Moments that Matter policies, such as Carer’s Leave, Foster Leave and Retirement Leave
• A contributory company pension scheme where we match your contributions up to 6%, Group Life Assurance ('Death in Service') & Group Income Protection

• Making underwriting decisions based on customer information and medical documents (GPs, Consultants) within approved authority limits
• Communicating clearly with customers and third parties, including vulnerable customers, both verbally and in writing
• Working accurately and efficiently to support the delivery of CSLs and other performance metrics
• Supporting the delivery of great customer outcomes through effective management of Conduct Risk and Consumer Duty
• Adhering to Diligenta’s corporate policies, procedures and guidelines, including Data Protection, Information Security and Financial Crime
• Supporting audits, post-issue accuracy checks and licensing within the team

• Previous medical underwriting experience is preferred
• Strong telephone skills, including questioning techniques and managing customer expectations
• Proactive problem-solving skills and the ability to adapt to changing circumstances
• Ability to interpret complex medical information and apply sound judgment
  
  Knowledge of relevant legislation, FCA principles, and Consumer Duty requirements
• Competence in using underwriting systems, databases, and Microsoft Office applications
• Self-motivation with a drive for continuous learning and professional development