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For Companies At a Glance
- Tasks: Underwrite and analyse Accident & Health accounts while driving new business opportunities.
- Company: Join Carbon, a tech-driven insurance company with a vibrant culture.
- Benefits: Enjoy a competitive salary, hybrid work, and a supportive team environment.
- Why this job: Be part of a transformative journey in the insurance industry with cutting-edge technology.
- Qualifications: 5+ years of A&H underwriting experience and strong communication skills.
- Other info: Dynamic workplace with excellent career growth and a focus on innovation.
The predicted salary is between 36000 - 60000 £ per year.
The Opportunity
At Carbon, we’re delegating differently by combining our strong insurance expertise with cutting edge technology. As we rapidly scale globally, and continue to advance Graphene, our proprietary owned data ecosystem, we remain guided by our core pillars of People, Partnerships and Innovation. If you want to join an exciting business powered by the latest technology, and are energised by collaboration, big ideas and making a meaningful impact to our partners, then this role is for you: A&H Underwriter.
About Us
Founded in 2018, Carbon’s mission is to transform delegated underwriting and raise the standard for the industry. Our open underwriting model connects data, insight and people to enable stronger decisions and more dynamic portfolio management, bringing greater transparency, clarity and confidence to our partners and to the way the whole market works. We’re proud to have been recognised by The Sunday Times as a Best Place to Work in both 2024 and 2025, reflecting our warm, inclusive culture and our energetic, entrepreneurial spirit. Our friendly, modern offices foster creativity and connection, while our partnership with Google Cloud, where we are celebrated as a success story, demonstrates our commitment to innovation and technology at the highest level. At Carbon, our values shape who we are every day: Win as one, Keep spirits high, Blaze a trail, Speak up, listen up. If you’re looking to join a modern team with bold ambitions and real momentum, we’d love to meet you.
Location: 5th Floor, 9A Devonshire Square, London, EC2M 4YN
Start date: Immediate
Role type: Permanent, full-time, hybrid
The Role
To underwrite, analyse and continue to develop the A&H Account in line with the Annual Business Plan targets, reporting to Carbon’s Head of Specialty.
Key Responsibilities
- Leading new business onboarding and renewal processes for relevant A&H binding authority accounts, including preparation of binding authority business plans.
- Liaising with relevant syndicate and managing agency departments including actuarial, claims, compliance, exposure management and delegated authority teams.
- Ongoing binder portfolio oversight for relevant A&H binding authority accounts including spotting trends, monitoring performance against plan and implementing guideline updates as required.
- Identifying new business opportunities, both via new sources and within existing portfolios.
- Working closely on cross class initiatives with other syndicate underwriting teams.
- Assisting in marketplace monitoring, including developing A&H relationships with brokers and other key external stakeholders.
- Working closely with, and maintaining strong relationships with coverholders & brokers.
- Ownership of day-to-day referral underwriting for relevant A&H binding authority accounts within individual underwriting authority parameters.
- Assisting in execution of business development and marketing plans for the A&H team.
- Attending and leading relevant client meetings and executing relevant follow up research and actions as required.
- Attending and materially contributing to internal peer review and coverholder oversight meetings.
- Working with other syndicate departments to identify and implement areas for continuous improvement, including input to the Graphene underwriting platform, and new systems and controls to ensure that the underwriting department operates in a compliant and efficient manner.
- Assisting with wider A&H team requirements including but not limited to business planning, underwriting review packs, exposure management, outwards RI and information collation for external stakeholders.
- Undertaking research and prepare papers / presentations on insurance related projects.
Knowledge, Qualifications, Skills And Experience
- Proven underwriting ability/competence with a minimum of 5+ years’ underwriting experience within the A&H (delegated authority) space.
- Understanding of the A&H market.
- ACII qualified or working towards completion of this qualification is not essential but preferred.
- Understanding of fundamental concepts, practices and procedures of A&H underwriting and binding authority management.
- Excellent listening, verbal and written communication skills.
- Ability to offer creative solutions.
- Professional attitude when dealing with all aspects of work and client relationships.
- Commitment to needs of the clients and strong relationship management skills.
Accident & Health Underwriter employer: Carbon
Contact Detail:
Carbon Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Accident & Health Underwriter
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already at Carbon. A friendly chat can open doors and give you insider info that could make your application stand out.
✨Tip Number 2
Show off your skills in interviews! Prepare examples of how you've tackled challenges in underwriting before. We want to see your problem-solving skills in action, so be ready to share your success stories.
✨Tip Number 3
Research Carbon’s values and culture. When you know what makes us tick, you can tailor your responses to show how you fit right in. Remember, we love collaboration and innovation!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you're genuinely interested in joining our team at Carbon.
We think you need these skills to ace Accident & Health Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experience that match the A&H Underwriter role. Highlight your underwriting experience and any relevant achievements to show us why you're the perfect fit!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to tell us about your passion for the A&H market and how you can contribute to our innovative team. Keep it engaging and personal!
Showcase Your Communication Skills: Since excellent communication is key in this role, make sure your application is clear and concise. Use proper grammar and structure to demonstrate your written communication prowess.
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 at Carbon!
How to prepare for a job interview at Carbon
✨Know Your A&H Stuff
Make sure you brush up on your Accident & Health underwriting knowledge. Understand the latest trends in the market and be ready to discuss how your experience aligns with Carbon's innovative approach. This will show that you're not just familiar with the basics, but that you're genuinely interested in the field.
✨Showcase Your Collaborative Spirit
Carbon values collaboration, so be prepared to share examples of how you've worked effectively in teams. Highlight any cross-class initiatives you've been involved in and how you’ve built strong relationships with brokers or coverholders. This will demonstrate that you can thrive in their inclusive culture.
✨Prepare for Scenario Questions
Expect questions that ask you to solve problems or make decisions based on hypothetical scenarios. Think about past experiences where you identified new business opportunities or improved processes. This will help you illustrate your creative solutions and analytical skills.
✨Ask Insightful Questions
At the end of the interview, don’t shy away from asking questions. Inquire about Carbon's future projects, the Graphene platform, or how they measure success in their underwriting team. This shows your enthusiasm for the role and your desire to contribute meaningfully to their mission.