Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Join our team to analyse and manage complex global risks in insurance.
- Company: Hiscox, a leading global insurer committed to empowering early careers.
- Benefits: Competitive salary, 25 days leave, wellbeing support, and professional qualification sponsorship.
- Other info: Diverse and inclusive workplace with excellent career progression opportunities.
- Why this job: Make a real impact from day one while learning from industry leaders.
- Qualifications: 2:1 degree or equivalent, analytical mindset, and strong communication skills.
The predicted salary is between 30000 - 40000 ÂŁ per year.
Start date September 2026
About the Opportunity
At Hiscox, we believe in empowering early careers talent to make a real impact from day one. As a Graduate in the Underwriting Risk & Reinsurance team, you’ll help us understand, model and manage some of the largest and most complex risks facing a global insurer. You’ll gain hands‑on experience across technical, analytical and commercial areas, working closely with senior stakeholders to support key business decisions that shape our risk appetite and long‑term strategy.
The Role
In the Underwriting Risk & Reinsurance team, you will learn how a global insurance business understands, manages and hedges its most significant risks. Working at the centre of the organisation, you’ll partner with senior leadership, underwriting teams and analytics specialists to help answer questions such as: What could go wrong? How big could the impact be? How do we balance risk levels with profitability? You’ll gain real exposure to understanding large‑scale events, modelling scenarios, interpreting data and helping shape the frameworks that support the Group’s decision‑making.
What You’ll Do
Make an ImpactContribute to meaningful projects that help Hiscox monitor, model and manage major risks.
Learn and GrowRotate through three core areas:
- Exposure Management – Understanding Large & Accumulating Risks
Learn how losses can build across the business when a single event affects many policies. Support the development of risk models and loss scenarios. Contribute to Hiscox View of Risk, used to communicate major exposures to senior management, Boards and regulators. Work across risk types including:
- Property risks: hurricanes, earthquakes, man‑made catastrophes
- Cyber risks: outages, data breaches, large‑scale disruption
- Casualty risks: liability claims including AI‑related and climate‑related litigation
- Reinsurance Purchasing – Protecting the Business Against Large Losses
See how Hiscox transfers risk by purchasing reinsurance. Support negotiations with brokers and reinsurers. Gain insight into how reinsurance structures work and how commercial decisions are made.
- Underwriting Risk Analytics – Using Data to Manage Performance
Work with models and analytical tools that monitor risk and profitability across the Group. See how the organisation balances risk appetite with growth ambitions.
Work closely with Underwriting, Actuarial, Analytics and senior business leaders.
Develop SkillsAccess training through the Hiscox Faculty, LinkedIn Learning, and hands‑on project experience.
Be SupportedReceive guidance from rotation managers, the Early Careers team and a dedicated Grad Buddy.
What We’re Looking For
We welcome applications from all backgrounds. You’ll thrive if you are:
- Curious and eager to understand global risks and how they impact business decisions
- Analytical and comfortable working with data
- Communicative, collaborative and able to explain ideas clearly
- Interested in current affairs, emerging risks and global events
- Open to feedback, proactive and willing to take initiative
- Motivated to contribute to an inclusive and supportive team environment
Requirements
- 2:1 (predicted or obtained) in any degree discipline (UK or international equivalent)
- Fluent business English
- Permission to work in the UK
Our Commitment to Inclusion
We are committed to building a diverse and inclusive workplace where everyone can be themselves and reach their full potential. We encourage applications from all backgrounds and are happy to discuss flexible working arrangements. If you need adjustments to the application process, please let us know.
What We Offer
- Competitive salary and benefits, including 25 days annual leave (plus Hiscox Days), wellbeing support and gym‑subscription reimbursement
- Full sponsorship for professional qualifications through the Chartered Insurance Institute
- A permanent contract from day one, with long‑term progression opportunities
- A global network of peers and colleagues
- Exposure to senior stakeholders and real business decisions
Risk Analyst - Graduate Program 2026 employer: Hiscox
Contact Detail:
Hiscox Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Risk Analyst - Graduate Program 2026
✨Tip Number 1
Network like a pro! Reach out to current employees at Hiscox on LinkedIn or attend industry events. A friendly chat can give us insights into the company culture and might just land you a referral.
✨Tip Number 2
Prepare for those interviews! Research common questions for risk analyst roles and practice your answers. We want to show off our analytical skills and how we can contribute to managing risks effectively.
✨Tip Number 3
Showcase your passion for risk management! During interviews, share examples of how you've tackled challenges or analysed data in the past. This will help us stand out as candidates who are genuinely interested in the field.
✨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 us that you’re serious about joining the Hiscox team.
We think you need these skills to ace Risk Analyst - Graduate Program 2026
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that align with the Risk Analyst role. Highlight any analytical projects or relevant coursework that showcases your understanding of risk management.
Craft a Compelling Cover Letter: Use your cover letter to tell us why you're passionate about risk analysis and how you can contribute to our team. Be specific about what excites you about the role and Hiscox as a company.
Showcase Your Analytical Skills: In your application, provide examples of how you've used data to solve problems or make decisions. This could be from academic projects, internships, or even personal initiatives that demonstrate your analytical mindset.
Apply Through Our Website: We encourage you to apply directly through our website for a smoother application process. It’s the best way for us to receive your application and ensure it gets the attention it deserves!
How to prepare for a job interview at Hiscox
✨Know Your Risks
Before the interview, brush up on the types of risks mentioned in the job description, like property, cyber, and casualty risks. Being able to discuss these areas confidently will show that you're genuinely interested and prepared for the role.
✨Data is Your Friend
Since the role involves working with data and analytics, make sure you can talk about your experience with data analysis tools or any relevant coursework. Prepare examples of how you've used data to solve problems or make decisions in the past.
✨Ask Smart Questions
Prepare thoughtful questions to ask your interviewers about the team, projects, and company culture. This not only shows your enthusiasm but also helps you gauge if the company is the right fit for you.
✨Show Your Curiosity
Demonstrate your curiosity about global risks and current affairs during the interview. Share insights or recent news related to the insurance industry to highlight your proactive approach and genuine interest in the field.