At a Glance
- Tasks: Lead strategy and growth for Affinity Accident & Health portfolio, focusing on travel-related products.
- Company: Join a leading insurance brokerage with a culture of meritocracy and collaboration.
- Benefits: Negotiable salary, bonus, and comprehensive benefits package.
- Other info: Dynamic environment with opportunities for leadership and team development.
- Why this job: Make a real impact in the insurance industry while driving innovation and partnerships.
- Qualifications: Significant A&H underwriting experience and strong partnership skills required.
The predicted salary is between 80000 - 100000 £ per year.
Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.
Location: London
Package: £Negotiable + Bonus + Benefits
The Head of Affinity Accident & Health will lead the strategy, underwriting performance, and growth of Millstream’s Affinity A&H portfolio, with a strong emphasis on travel-related products, embedded insurance solutions, and digital distribution partnerships. This role will be instrumental in expanding Millstream’s position as a leading provider of white-labelled and embedded insurance propositions, delivering scalable, partner-led solutions across UK markets.
Key Responsibilities- Strategy & Growth: Define and execute the Affinity A&H strategy, aligned with Millstream’s growth ambitions in travel and personal accident & sickness products. Identify and develop opportunities in embedded insurance, digital platforms, and non-traditional distribution. Expand Millstream’s presence across UK and selected international markets.
- Underwriting & Portfolio Management: Own underwriting performance for the Affinity A&H portfolio, ensuring profitable and sustainable growth. Set underwriting appetite, pricing frameworks, and governance standards. Drive portfolio optimisation through data-led insights, monitoring loss ratios, partner performance, and product profitability.
- Affinity Partnerships & Distribution: Lead the development and management of key affinity relationships, including police federations, employee benefits, membership organisations, NGOs and digital platforms. Structure and negotiate long-term, scalable partnerships. Collaborate with distribution and broker partners to deepen market reach.
- Product Development & Embedded Solutions: Oversee development of travel and A&H products, including travel insurance (multi-trip, embedded protection), personal accident & sickness, ancillary A&H covers and value-added propositions. Drive innovation in API-enabled, embedded products aligned to partner journeys.
- Capacity & Market Management: Work closely with capacity providers to maintain strong relationships and confidence in Millstream’s underwriting philosophy. Secure and optimise capacity for growth and ensure alignment on risk appetite and performance expectations.
- Financial Performance & Governance: Deliver financial targets including GWP, revenue and underwriting profitability. Provide regular portfolio reporting to senior leadership and capacity providers. Ensure compliance with FCA requirements and internal governance frameworks.
- Leadership & Team Development: Lead and develop a high-performing underwriting and portfolio team. Embed a commercial, partner-centric and performance-driven culture. Strengthen technical underwriting capability, innovation and agility.
- Delivery of profitable growth in Affinity A&H portfolio.
- Achievement of target loss ratio and combined ratio.
- Expansion of high-quality embedded and affinity partnerships.
- Strength and stability of capacity relationships.
- Team performance, engagement and retention.
- Technical & market expertise: Significant A&H underwriting experience, ideally with travel or affinity focus.
- Strong understanding of embedded insurance models and digital distribution.
- Experience managing delegated authority or MGA environments.
- Commercial & partnership skills with proven track record in building and scaling affinity or embedded distribution partnerships.
- Strong negotiation skills and commercial judgement.
- Experience working with capacity providers and reinsurers.
- Leadership experience in underwriting or portfolio teams.
- Ability to influence at senior level internally and externally.
- Entrepreneurial mindset with strong execution focus.
- Data-driven, commercially astute and partner-oriented.
- Adaptable and comfortable in a growth-focused environment.
- ACII or equivalent (desirable).
We are an Equal Opportunity Employer. We take pride in the diversity of our team and seek diversity in our applicants. Founded in 1939 as a small, two-partner firm, Brown & Brown (NYSE: BRO) and our team of companies have grown into one of the world’s largest insurance brokerages while staying true to our foundation of trust, resilience and delivering results. We look for individuals who embrace our culture, thrive in a collaborative environment, are driven to grow and succeed and are committed to always doing what is right. With a unique culture built on integrity, capability and grit, we value teamwork, trust and courage.
Head of Affinity employer: 897 Brown & Brown (Europe) Limited
Millstream offers an exceptional work environment for the Head of Affinity role, fostering a culture of meritocracy where self-starters thrive. Located in London, employees benefit from competitive packages, a strong emphasis on professional growth, and the opportunity to lead innovative insurance solutions in a dynamic market. With a commitment to diversity and collaboration, Millstream empowers its team to achieve meaningful results while maintaining a focus on integrity and customer satisfaction.
Contact Details:
897 Brown & Brown (Europe) Limited Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Head of Affinity
✨Tip Number 1
Network like a pro! Get out there and connect with people in the industry. Attend events, join online forums, and don’t be shy about reaching out on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how they align with your own. This will help you tailor your responses and show that you’re genuinely interested in being part of their team.
✨Tip Number 3
Practice makes perfect! Do mock interviews with friends or use online resources to get comfortable with common questions. The more you practice, the more confident you’ll feel when it’s time to shine in front of the hiring team.
✨Tip Number 4
Don’t forget to follow up after interviews! A quick thank-you email can go a long way in leaving a positive impression. It shows your enthusiasm for the role and keeps you fresh in their minds as they make their decision.
We think you need these skills to ace Head of Affinity
Some tips for your application 🫡
Show Your Passion:When writing your application, let your enthusiasm for the role shine through! We want to see how your passion aligns with our commitment to doing what's best for our customers.
Tailor Your CV:Make sure to customise your CV to highlight relevant experience in A&H underwriting and affinity partnerships. We love seeing how your background fits with our goals, so don’t hold back!
Be Clear and Concise:Keep your application straightforward and to the point. We appreciate clarity, so make sure your key achievements and skills are easy to spot. Remember, less is often more!
Apply Through Our Website:Don’t forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the role. We can’t wait to hear from you!
How to prepare for a job interview at 897 Brown & Brown (Europe) Limited
✨Know Your Stuff
Make sure you brush up on your A&H underwriting knowledge, especially around travel-related products and embedded insurance solutions. Familiarise yourself with Millstream’s current portfolio and be ready to discuss how you can contribute to its growth.
✨Showcase Your Strategy Skills
Prepare to talk about your experience in defining and executing strategies. Think of specific examples where you've successfully identified growth opportunities or optimised portfolios. This will demonstrate your ability to align with Millstream’s ambitions.
✨Build Rapport with Key Stakeholders
Since this role involves managing partnerships, practice how you'll engage with various stakeholders. Be ready to discuss your negotiation skills and how you've built successful relationships in the past, particularly with capacity providers and distribution partners.
✨Emphasise Your Leadership Style
As a Head of Affinity, you'll need to lead a high-performing team. Share your leadership philosophy and provide examples of how you've developed teams in the past. Highlight your ability to foster a performance-driven culture that aligns with Millstream’s values.
