At a Glance
- Tasks: Lead strategy and growth for Affinity Accident & Health portfolio, focusing on travel-related products.
- Company: Dynamic insurance provider with a meritocratic culture that values self-starters.
- Benefits: Negotiable salary, bonus, and comprehensive benefits package.
- Other info: Join a diverse team with opportunities for professional growth and leadership development.
- Why this job: Make a significant impact in the insurance industry while driving innovation and partnerships.
- Qualifications: Extensive A&H underwriting experience and strong partnership-building 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.
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. The successful candidate will combine deep A&H technical expertise with strong commercial instincts and a proven ability to build and manage high-performing affinity partnerships.
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.
- Maintain strong underwriting discipline aligned with capacity provider expectations.
- Affinity Partnerships & Distribution
- Lead the development and management of key affinity relationships, including Police Federations, Employee Benefits, Membership organisations, NGO’s 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 assistance-led 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.
- 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 alongside 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
- Proven track record in building and scaling affinity or embedded distribution partnerships.
- Strong negotiation skills and commercial judgment.
- Experience working with capacity providers and reinsurers.
- Leadership
- Experience leading underwriting or portfolio teams.
- Ability to influence at senior level internally and externally.
- Track record of delivering change, growth, and innovation.
- Personal Attributes
- Entrepreneurial mindset with strong execution focus.
- Data-driven and commercially astute.
- Collaborative and partner-oriented.
- Adaptable and comfortable in a growth-focused environment.
- Qualifications
- ACII or equivalent (desirable).
- Chief Underwriting Officer & Executive Team.
- Capacity Providers / Insurers.
- Distribution & Broker Partners.
- Claims & Assistance Providers.
- Compliance & Risk.
We are an Equal Opportunity Employer. We take pride in the diversity of our team and seek diversity in our applicants.
Head of Affinity employer: Brown & Brown, Inc.
At Millstream, we foster a dynamic and inclusive work environment in London that champions meritocracy and rewards innovation. As the Head of Affinity, you will not only lead strategic initiatives in a rapidly evolving sector but also benefit from our commitment to employee growth through continuous learning opportunities and a collaborative culture. Join us to make a meaningful impact in the insurance landscape while enjoying competitive compensation and a supportive team atmosphere.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Affinity
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and engage with potential employers on social media. Building relationships can open doors that a CV just can't.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their products and recent developments, especially in the Affinity A&H space. This will help you tailor your responses and show you're genuinely interested.
✨Tip Number 3
Practice your pitch! Be ready to explain how your experience aligns with the role of Head of Affinity. Highlight your successes in building partnerships and driving growth, as these are key to impressing the hiring team.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you're serious about joining our team and contributing to our mission.
We think you need these skills to ace Head of Affinity
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your A&H expertise and any relevant partnerships you've built. We want to see how you can contribute to our growth!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for the Head of Affinity role. Share your vision for the Affinity A&H portfolio and how you plan to drive innovation at Millstream.
Showcase Your Achievements:Don’t just list your responsibilities; showcase your achievements! Use metrics to demonstrate how you've successfully managed portfolios or built partnerships. We love data-driven insights that show your impact!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity. We can’t wait to hear from you!
How to prepare for a job interview at Brown & Brown, Inc.
✨Know Your Stuff
Make sure you brush up on your Accident & Health (A&H) knowledge, especially around travel-related products and embedded insurance solutions. Familiarise yourself with the latest trends in digital distribution partnerships, as this will show your commitment to staying ahead in the industry.
✨Showcase Your Strategy Skills
Prepare to discuss how you would define and execute the Affinity A&H strategy for Millstream. Think about specific examples from your past experience where you've successfully driven growth or optimised portfolios, and be ready to share those insights during the interview.
✨Build a Partnership Mindset
Since this role involves managing key affinity relationships, come prepared with ideas on how to structure and negotiate long-term partnerships. Highlight any previous experiences where you've successfully built and scaled affinity or embedded distribution partnerships.
✨Demonstrate Leadership Qualities
Be ready to talk about your leadership style and how you've developed high-performing teams in the past. Share examples of how you've influenced change and fostered a performance-driven culture, as this will resonate well with the expectations for this role.
