Delegated Underwriting Authority Analyst

Overview

Howden is a collective of 18,000+ employees across 100+ countries. We are united by a culture that supports work/life balance, career progression, sustainability, and volunteering. Role overview: Join DUAL UK as a Binder & Capacity Analyst to support effective oversight, performance monitoring, and governance of delegated authority arrangements. You will work at the heart of one of the UK\’s leading MGAs, ensuring binder and capacity relationships are managed with precision, insight, and strategic focus. As part of the central underwriting team, you will collaborate with trading underwriting teams, compliance, finance, and external capacity providers to ensure delegated authority frameworks are adhered to, performance is tracked, and opportunities for improvement are identified.

Responsibilities

• Binder Oversight & Monitoring
  • Maintain and update DUALs binder register, ensuring accuracy of data such as limits, territories, renewal dates and profit commission terms.
  • Monitor compliance with binder terms, including premium and claims thresholds.
  • Support the production of regular MI reports on binder utilisation, loss ratios, and performance metrics.
• Capacity & Delegated Authority Support
  • Track capacity usage against agreed limits with company markets and Lloyd\’s syndicates.
  • Assist in preparing capacity utilisation reports and renewal presentations.
  • Monitor key dates and support the renewal process for binders and capacity agreements.
• MI Reporting & Performance Analysis
  • Analyse data from underwriting and policy systems to assess binder performance.
  • Build dashboards and reports to track KPIs such as GWP, binder limits, profit commission and claims trends.
  • Identify underperforming binders and support remedial action planning.
• Governance & Compliance
  • Maintain documentation including TOBAs, due diligence records, and compliance questionnaires.
  • Support the coordination of binder audits and ensure follow-up on any findings.
  • Assist in preparing internal audit responses and regulatory submissions.
• Process Improvement & Documentation
  • Maintain and enhance binder management procedures and process documentation.
  • Identify opportunities to automate or streamline reporting and binder workflow administration.
  • Support onboarding of new capacity providers, ensuring all documentation and processes are in place.
• Stakeholder Coordination
  • Liaise with internal teams including Underwriting, Compliance, Claims, and IT to ensure accurate reporting.
  • Act as a point of contact for capacity providers, supporting data quality, performance reviews, and renewals.
  • Respond to internal and external queries regarding binder structures, limits, and authorities.

Qualifications

• Strong Excel skills, including pivot tables and lookups.
• Experience working with policy administration systems (e.g. Salesforce).
• Understanding of delegated authority frameworks (FCA, Lloyd\’s, or carrier-specific).
• Analytical mindset with a keen eye for detail and strong reporting capabilities.
• Prior experience in a delegated authority, underwriting operations, or MI reporting role is highly desirable.

Behaviours & Attributes

• Organised and methodical, with excellent time management and prioritisation skills.
• Confident communicator, able to engage with a wide range of stakeholders.
• Proactive and solutions-focused, with a continuous improvement mindset.
• Collaborative team player who thrives in a fast-paced, evolving environment.

What we offer in return

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we\’re looking for individuals who share the same values as us:

• We succeed when someone is brave enough to try something new
• We support each other in the small everyday moments and the bigger challenges
• We are determined to make a positive difference at work and beyond
• Reasonable adjustments: We are committed to providing reasonable accommodations at Howden to ensure roles align with individual needs. In addition to usual adjustments such as software, IT, and office setups, we can accommodate other changes such as flexible hours or hybrid working.
• If you’re excited by this role but unsure, apply and we will assist with reasonable adjustments if your profile fits the role
• Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner to know more.
• Employment type: Permanent