Who are we?

We’re Policy Expert, a home and car insurance provider and we’re on a mission to shake up the personal insurance industry. We felt that insurers had underserved people for too long with confusing policies, expensive renewals and frustrating claims. It was time to put people first. Since our inception in 2011, we’ve used breakthrough thinking and proprietary tech to offer insurance that’s clear, fair and great value. And people like what we do. So much so, that last year we hit one million customers, driven by our double-digit growth. The Underwriting Team We are the engine behind the business, collaborating closely with our pricing, machine learning, and wider tech teams to underpin the company's growth and footprint. We’ve got a huge amount of backing from our leadership team, allowing us to make decisions quickly and react to an ever-changing market.

This autonomy gives us the edge over competition and allows us to stay nimble as we scale. As I’m sure that you are aware, data is key, that’s why we ingest huge amounts of it from various third parties. This gives us a crystal-clear picture of our customers, leading to a best-in-class loss ratio keeping us one step ahead of the market.

Job Purpose: Support the planning and implementation of the underwriting strategy for all QMetric products.

Key Accountabilities

  • Risk selection appetite and criteria
  • Input regards targeting of markets/customer segments
  • Provide underwriting support to customer service and claims teams including the achieving of internal SLAs
  • Support the underwriting governance and compliance framework (to include an audit function as appropriate, including the complaints process)  

Role Dimensions

  • Products: all QMetric products including ancillary products
  • New and renewal business
  • Key relationships –
    • Pricing team
    • Product Management team
    • Counter Fraud team
    • Senior Claims team
    • Compliance Department
    • Analysis, Tech, Marketing, Finance teams
    • Operational/Customer Service team
    • External suppliers (eg data providers, RI brokers)

Authority Levels

  • As per official authority.

Key Performance Indicators

  • Loss ratio (to the overall portfolio and targeted segments)
  • Segment / profile mix
  • UW footprint optimisation metrics
  • Internal (operational) SLAs

Key Skills/Qualifications

  • Min 3 years’ experience in technical underwriting personal lines GI products.
  • Some understanding of personal lines markets, risk trends, and products
  • Some understanding of data analysis
  • Communication/influencing
  • Team player but possess the initiative to work alone on projects as required
  • Excellent numeracy & literacy skills

Benefits

• Private medical cover with Vitality

• Dental Cover

• Hybrid working

• Training and education through LinkedIn learning and Pluralsight

• Travel season ticket loan

• Social events through the year

• Access to selected London O2 events and use of a Private Lounge.

• Employee Wellbeing Programme

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