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- Tasks: Assess lender portfolios and analyse performance data to support underwriting decisions.
- Company: Join a dynamic fintech organisation in the mortgage and insurance space.
- Benefits: Competitive salary, collaborative environment, and opportunities for professional growth.
- Why this job: Make an impact by improving underwriting processes and products in a fast-paced setting.
- Qualifications: 4-6 years in mortgage underwriting or portfolio credit risk; strong analytical skills required.
- Other info: Hands-on role with excellent career development opportunities.
The predicted salary is between 60000 - 80000 £ per year.
A fintech organisation in the mortgage and insurance space is looking to appoint an Insurance Underwriter to join its London-based team. Working closely with senior underwriting leadership, you will be responsible for assessing lender portfolios, analysing performance data, and supporting the development and improvement of underwriting processes and products. This role would suit someone with strong analytical capability who enjoys working in a collaborative and fast-paced environment.
Key Responsibilities
- Assess new lender portfolios and product variations, reviewing eligibility criteria, risk profiles and historical performance data to support underwriting decisions.
- Analyse loan-level data and portfolio performance, identifying trends across arrears, defaults, claims activity and concentration exposure.
- Produce clear underwriting assessments and recommendations to support internal governance and decision-making.
- Monitor the ongoing performance of insured portfolios, highlighting emerging risks and recommending mitigation where required.
- Evaluate lender control environments, including processes around origination, valuation, affordability, fraud prevention and arrears management, to determine how effectively risk is managed.
- Support claims oversight by reviewing eligibility against policy terms, analysing trends and maintaining accurate documentation and audit trails.
- Work with internal teams and external partners to resolve underwriting queries and ensure reporting, monitoring and controls remain effective and scalable.
- Contribute to the ongoing development and refinement of underwriting policies, eligibility rules and monitoring frameworks, using portfolio insights and partner feedback to inform improvements.
Requirements
- Typically 4-6 years of experience in one or more of the following areas: mortgage underwriting, portfolio credit risk, mortgage insurance or guarantees, or secured or structured credit risk.
- Strong portfolio analytics capability, including experience reviewing loan-level data, identifying risk trends and assessing concentration exposures.
- Ability to evaluate the effectiveness of lender processes and controls rather than relying solely on documented policies.
- Comfortable working in a hands-on role within a small team environment, taking ownership of analysis and decision-making.
- Strong written communication skills, with the ability to produce clear underwriting assessments and commentary for senior stakeholders.
- Experience with Buy-to-Let underwriting or portfolio credit risk, familiarity with claims processes in mortgage or credit insurance environments, or experience using data analysis tools such as SQL or Python would be advantageous but are not essential.
Insurance Underwriter in London employer: Inventum Group (Formally Wells Tobias)
Contact Detail:
Inventum Group (Formally Wells Tobias) Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Insurance Underwriter in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech and insurance sectors on LinkedIn. A friendly message can go a long way, and you never know who might have the inside scoop on job openings.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills. Be ready to discuss how you've assessed portfolios or identified risk trends in past roles. We want to see that you can think on your feet!
✨Tip Number 3
Showcase your collaborative spirit! During interviews, share examples of how you've worked with teams to resolve underwriting queries or improve processes. It’s all about teamwork in this fast-paced environment.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take the initiative to connect directly with us.
We think you need these skills to ace Insurance Underwriter in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Insurance Underwriter role. Highlight your experience in mortgage underwriting and portfolio analytics, as these are key for us. Use specific examples that showcase your analytical skills and how you've contributed to previous teams.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background fits with our needs. Be sure to mention any relevant experience with risk assessment and data analysis, as we love a good story backed by numbers.
Showcase Your Analytical Skills: Since we're looking for someone with strong analytical capabilities, make sure to include any specific tools or methodologies you've used in your previous roles. If you've worked with SQL or Python, don’t forget to mention it – we want to see how you can bring those skills to our team!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep everything organised and ensures your application gets the attention it deserves. Plus, it’s super easy to do!
How to prepare for a job interview at Inventum Group (Formally Wells Tobias)
✨Know Your Numbers
As an Insurance Underwriter, you'll be dealing with a lot of data. Brush up on your analytical skills and be prepared to discuss specific examples of how you've assessed lender portfolios or analysed performance data in the past. This will show that you can handle the role's demands.
✨Understand the Industry
Familiarise yourself with current trends in mortgage underwriting and insurance. Being able to discuss recent developments or challenges in the industry will demonstrate your passion and commitment to the field, making you a more attractive candidate.
✨Prepare for Scenario Questions
Expect to face scenario-based questions during your interview. Think about how you would evaluate risk profiles or manage emerging risks in a portfolio. Practising these scenarios will help you articulate your thought process clearly and confidently.
✨Showcase Your Communication Skills
Strong written communication is key in this role. Be ready to provide examples of how you've produced clear assessments or reports for senior stakeholders. This will highlight your ability to convey complex information effectively, which is crucial for decision-making.