Senior Underwriter - Personal Lines (Automobile & Household)

Placements24; Kimberley; On-site; CAD 41,000 - 69,000; Full time

Benefits offered by this job

Competitive salary

Medical aid

Generous leave

Professional development

Training on products and systems

Job summary

Placements24 is seeking a Senior Underwriter for Personal Lines (Automobile and Household) based in Kimberley. You will evaluate complex risks, set pricing, and guide broker relationships to ensure profitable growth in the personal lines book.

You will collaborate with sales teams and brokers to provide expert underwriting guidance, stay informed of market developments, and mentor junior underwriters in a stable, supportive environment.

Qualifications

• Minimum 5 years underwriting experience in Personal Lines (Automobile and Household).
• Strong analytical skills and risk assessment ability for individuals.

Responsibilities

• Underwrite complex Automobile and Household insurance risks, assess exposures, and set terms and pricing.
• Develop and implement underwriting strategies for profitable growth in personal lines.
• Manage and build relationships with personal lines brokers and agents in the Kimberley area.
• Monitor performance of the personal lines book and identify trends.

Skills

Underwriting

Risk assessment

Negotiation

Communication

Interpersonal skills

Education

CIU/IIU certification

Tools

Underwriting software

Microsoft Office

Job description

About the Role

Our client, a well-established insurance provider, is seeking a highly competent Senior Underwriter to specialize in Personal Lines, specifically focusing on Automobile and Household insurance. This position is based in Kimberley , Northern Cape , and requires an individual with a strong command of underwriting principles, risk assessment, and pricing strategies for individual policyholders. The Senior Underwriter will be responsible for evaluating complex personal lines risks, setting appropriate terms and conditions, managing broker relationships, and contributing to the profitable growth of the personal lines portfolio. This is an excellent opportunity for an experienced underwriter to advance their career within a supportive and stable organization. The ideal candidate possesses excellent analytical skills, a keen eye for detail, and a deep understanding of the South African personal insurance market. You will play a key role in ensuring that our client remains competitive and profitable by offering well-priced and well-structured products. The role involves close collaboration with sales teams and brokers to provide expert advice and solutions tailored to individual client needs in the Northern Cape region. Join a company that values expertise and offers a clear path for career progression.

Key Responsibilities

• Underwrite complex Automobile and Household insurance risks, assessing exposures and determining terms, conditions, and pricing.
• Develop and implement underwriting strategies to achieve profitable growth within the personal lines portfolio.
• Manage and build relationships with personal lines brokers and agents in the Kimberley area.
• Monitor the performance of the personal lines book, identifying trends and recommending adjustments.
• Provide technical underwriting guidance and mentorship to junior underwriters.
• Ensure compliance with underwriting guidelines, regulatory requirements, and company policies.
• Collaborate with the claims department to share insights on risk trends and loss prevention.
• Stay informed about market developments, competitor activities, and emerging risks in personal insurance.
• Contribute to the refinement of underwriting tools and processes for personal lines.
• Approve policy renewals and endorsements within designated authority levels.

Requirements

• A minimum of 5 years of underwriting experience, with a significant focus on Personal Lines (Automobile and Household).
• Solid understanding of insurance products, policy wordings, and risk assessment techniques for individuals.
• Proven ability to analyze risk data and make sound underwriting decisions.
• Strong negotiation, communication, and interpersonal skills.
• Demonstrated ability to build and maintain productive broker relationships.
• Proficiency in underwriting software and Microsoft Office Suite.
• Relevant insurance qualifications or certifications (e.g., CIU, IIU) are highly regarded.
• Ability to work independently and as part of a collaborative team.
• Knowledge of the insurance market in the Northern Cape is a plus.
• Commitment to maintaining high standards of customer service.

Benefits

• Competitive salary and performance-based bonus potential.
• Comprehensive medical aid and retirement fund benefits.
• Generous annual leave and company holidays.
• Opportunities for professional development and industry-specific training.
• A stable and supportive work environment in Kimberley .
• Exposure to diverse personal insurance risks.
• Clear career progression pathways.
• Team-building activities and employee recognition programs.
• Company-provided training on new products and systems.