Employee Benefits Consultant SME

Job Summary

Advising small to medium‑enterprise (SME) clients on their employee benefits programs with a focus on Group Risk and/or Healthcare.

Manage client relationships, policies, and portfolio to meet the employer’s and clients’ needs.

Responsibilities

• Be the first point of contact for clients and understand the sector and benefits offered.
• Respond quickly and accurately to client queries.
• Build and lead relationships with a portfolio of SME clients, providing technical advice on the policies you are responsible for.
• Work closely with the SME Operations Team to ensure all renewal, reviews, claims and medical underwriting are completed in a timely manner.
• Proactively build on existing external relationships with clients, prospects and insurers.
• Maintain a robust system for managing consultancy tasks, ensuring proactive follow‑up with clients and insurers.
• Provide all technical advice to clients on the policies you are responsible for, seeking assistance from colleagues where appropriate.
• Ensure all systems are kept up to date and involve use of technology platforms such as Hub Spot and EPIC.
• Be involved in both existing business and new business activities.
• Take ownership of your own personal development and seek coaching or training where appropriate.

Qualifications & Experience

• Detailed knowledge and understanding of group risk policies and/or healthcare (death in service, income protection, critical illness, private medical insurance, dental, cash plan and EAP).
• At least 3 years advising clients in Group Risk or Healthcare and wider Employee Benefits.
• Microsoft Office experience and ability to create, write and manipulate template reports.
• Strong organisational, time‑management and attention‑to‑detail skills.
• Team player, motivated and with a strong desire to learn.
• Experience in consultancy or administration; experience working in Employee Benefits or with an Insurance Provider is preferred.
• CII GR1 qualified for risk, IF7 for Healthcare preferred.
• Technical Skills
• Proficiency in advising clients in Group Risk and/or Healthcare, and broader Employee Benefits including Wellbeing and Pensions.
• Familiarity with technology platforms such as Hub Spot and EPIC.
• Other Requirements
• Ability to adapt best practice to the situation while ensuring compliance with business policy and regulatory requirements.
• Commitment to personal development, corporate governance and the Group Employee Code of Conduct.
• Ability to work within a hybrid setup.
• Location

Hybrid role – London or Redhill.

• Reasonable Adjustments
• We are committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs.
• Adjustments may include flexible hours or hybrid working arrangements, subject to the role’s requirements.
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