Senior Non Standard Car Underwriter

We are looking for a Senior Non Standard Car Underwriter who thrives working with data, solving problems, and making fair, confident decisions. This is an important role within our Non-Standard underwriting team. You will help shape how we assess risk, support brokers, and guide product performance across a fast moving and specialist part of the market. In this role, you will be trusted to use your judgement and insight to make sure the profile of risks we write are safe and profitable. You will look at trends, use data to explain what is happening in the portfolio, and suggest improvements that support growth. Your work will help our business stay competitive and make sure our products meet customer needs. You will also build strong relationships with brokers, partners, and internal teams. Clear communication and a collaborative mindset are key. You will help others understand our approach, support good decisions, and keep underwriting rules and documentation up to date. You will act as a specialist in your area, sharing what you know and helping the team learn and improve.

Main Responsibilities:

• Make confident and profitable underwriting decisions for the non standard motor portfolio, ensuring they align with our risk appetite and business goals.
• Use data tools and reporting to track portfolio performance, spot trends, and guide actions that protect results.
• Assess new schemes and products, recommending fair pricing, clear underwriting rules, and improvements that support sustainable growth.
• Shape and maintain underwriting acceptance rules to meet performance targets and drive profitable outcomes across your products.
• Build strong partnerships with brokers and internal teams by leading reviews, producing high quality reporting packs, and ensuring accurate and compliant processing.
• Drive innovation by analysing market changes, deepening your understanding of risk, and recommending improvements that strengthen our specialist position in the market.

Skills and Experience:

• Strong analytical ability, with confidence in interpreting complex data sets utilising Excel, Power BI dashboards and other tools to produce clear insight.
• Deep understanding of motor underwriting and pricing principles, supported by hands on experience in underwriting and/or pricing roles.
• Sound knowledge of the personal motor insurance market, including technical issues, regulatory expectations, and industry standards.
• Familiarity with data and pricing tools such as Radar Live (or similar), using them to support fair pricing and informed decision making.
• Excellent organisational, communication, and stakeholder skills, with the ability to manage multiple priorities and work well under pressure.
• Solid understanding of insurance law, pricing techniques, and market directives.

Benefits:

• Flexible Working: Smart Working @ Ageas gives employees flexibility around location and, for many of our roles, flexibility within the working day to manage other commitments.
• Minimum of 35 days holiday (including bank holidays) with options to buy and sell days.
• Supporting your Health: Dental Insurance, Health Cash Plan, Health Screening, Will Writing, Voluntary Critical Illness, Mental Health First Aiders, Well Being Activities.
• Supporting your Wealth: 50% off motor and home insurance, Annual Bonus Schemes, Annual Salary Reviews, Competitive Pension, Employee Savings, Employee Loans.
• Well-being activities, mindfulness sessions, Sports and Social Club events.
• Maternity/pregnant parent/primary adopter entitlement of 16 weeks at full pay and paternity/non-pregnant parent/co-adopter at 8 weeks’ full pay.
• Partner Life Assurance and Critical Illness cover.
• Deals on various gadgets including Wearables, Tablets and Laptops.
• Car Salary Exchange, Cycle Scheme, Vehicle Breakdown Cover.
• Return to work programme after maternity leave.

As an inclusive employer, we encourage anyone to apply. We’re a signatory of the Race at Work Charter and Women in Finance Charter, member of iCAN and GAIN. As a Disability Confident Leader, we are committed to ensuring our recruitment processes are fully inclusive. We also guarantee an interview for applicants with a disability who meet the minimum criteria for the role. Our aim is to have great people everywhere in our business and we’re always looking for outstanding people to join us.