Team Lead, Personal Lines Underwriting

Heartland Mutual Insurance; Kitchener; On-site; CAD 68,000 - 102,000; Full time

Benefits offered by this job

Base salary + bonus

Health and wellness benefits

Pension plan

Paid time off

Career growth opportunities

Job summary

Heartland Mutual Insurance in Waterloo, Ontario, is seeking a Team Lead, Personal Lines Underwriting to support the underwriting team with day-to-day functions, review complex files, and mentor staff to meet service levels.

You will guide portfolio management, ensure governance and regulatory compliance, develop pricing and product strategies, and collaborate across departments to drive a high-performing underwriting team while delivering excellent service.

Qualifications

• 6+ years of underwriting experience.
• 1+ years in a leadership role.
• Post-secondary education, CIP designation as an asset.
• Exemplary analytical skills, both written and verbal.
• Strong communication and audience adaptation.
• Ability to influence decisions and negotiate strategically.
• Enthusiasm for learning and teamwork.

Responsibilities

• Underwriting portfolio management and improving efficiencies.
• Ensure governance and regulatory compliance in underwriting operations.
• Guide team members in high-quality underwriting decisions.
• Product and pricing management using market knowledge.
• Provide ongoing underwriting guidance to the team.
• Collaborate with other departments to maximise portfolio performance.
• Coordinate and provide training and development initiatives.

Skills

Analytical thinking

Leadership

Communication

Decision making

Negotiation

Team collaboration

Adaptability

Education

Post-secondary education

CIP designation (asset)

Job description

At Heartland Mutual Insurance, we’re more than just a company — we’re a community.

Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.

Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.

Team Lead, Personal Lines Underwriting - Waterloo, Ontario

As a Team Lead, you will support the Underwriting team with day-to-day functions, including reviewing complex underwriting files, mentoring and coaching individuals, and assigning work to meet required service levels. The Team Lead will be responsible for completing individual performance reviews, which will include development plans catered to each individual. The Team Lead will be innovative and creative, looking for efficiencies in processes and procedures. This position will be essential to our frontline Underwriting staff and ensuring the execution of a high-performing Underwriting team.

What You Will Do...

• Underwriting portfolio management, creating a high-performance Underwriting culture, improving efficiencies, analysis of new business, and handling complex underwriting referrals.
• Ensure corporate governance, and regulatory compliance policies and procedures are adhered to, and regulatory compliance for day-to-day Underwriting operations is met.
• Guide team members in consistent high-quality Underwriting decisions, and delegate Underwriting authority to ensure effective decision-making.
• Product and pricing management, using market knowledge to help develop products, pricing and services to support our corporate strategy.
• Providing ongoing Underwriting guidance to support team members and reinforcing Heartland's core Underwriting appetite.
• Collaborate with other departments to maximize portfolio performance.
• Coordinate and provide training and development initiatives.

What You Will Bring...

• 6+ years of Underwriting experience.
• 1+ years of experience in a leadership role.
• Post-secondary education, with CIP designation as an asset.
• Exemplary analytical skills, both written and verbal, ability to make informed decisions.
• Skilled communication, and can adapt your approach to your audience.
• Ability to influence decisions and negotiate strategically.
• Enthusiasm for learning, and ability to thrive within a team or independently.

The salary range for this role is $68,000 - $102,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.

What’s In It For You

• A Supportive Team: We’re not just a workplace, we’re a community. We are small but mighty, we believe in the power of connection, purpose, and belonging.
• Comprehensive Total Rewards: Enjoy a competitive compensation package made up of base salary and bonus, health and wellness benefits, pension plan, paid time off, and so much more.
• Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
• Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
• Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.

This job posting is for an existing vacancy within Heartland.

Accommodation is available on request for candidates taking part in all aspects of the selection process.

We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure fairness and transparency.

At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future, we've got you covered.