Claims and Underwriting Risk Manager

Aviva; Chandler's Ford; On-site; GBP 65,000 - 80,000; Full time

Benefits offered by this job

Salary

Bonus

Pension

Holiday

Private Medical

Share Plan

Save As You Earn

Parental & carer leave

Flexible benefits

Volunteer days

Wellbeing

Job summary

Aviva Health seeks a Claims & Underwriting Risk Manager to own, develop and govern the firm’s claims and underwriting philosophies. You’ll join a team supporting more than 1.1 million customers and ensure fair, consistent and commercially sustainable decision-making across the health business.

Working across Operations, Clinical, Procurement, Commercial, Pricing and Finance, you’ll provide technical oversight, lead governance activity and back complex case escalations.

Qualifications

• Strong technical knowledge of insurance claims, underwriting, and risk management.
• Experience interpreting policy terms and applying consistent decision-making within a regulated environment.
• Strong stakeholder management skills with the ability to influence and collaborate across multiple business areas.

Responsibilities

• Own, develop and govern Aviva Health's claims and underwriting philosophies, ensuring fair, consistent and commercially sustainable decisions across the health business.
• Provide technical oversight and governance for claims and underwriting decisions; lead governance activity and support complex case escalations.
• Support adoption of automation and AI while maintaining customer outcomes and risk controls.

Skills

Insurance claims

Underwriting

Risk management

Stakeholder management

Data analysis

Health products knowledge

Job description

Claims & Underwriting Risk Manager – Salary between £65.000-£80.000 depending on experience

This is a great job for someone who...

Enjoys solving complex problems and making decisions that balance customer outcomes, business performance, and risk. Loves working with technical detail while influencing people across a wide range of teams. Has strong claims and underwriting expertise and wants to shape how those decisions are made across a growing Health business. Is excited by the opportunity to support innovation, automation and AI while maintaining fair and consistent customer outcomes.

A bit about the job

This role exists to own, develop and govern Aviva Health's claims and underwriting philosophies, which define how policy terms are interpreted and applied in practice. You'll join a team that helps support more than 1.1 million customers and ensures fair, consistent and commercially sustainable decision-making across the health business. Working closely with Operations, Clinical, Procurement, Commercial, Pricing, Finance and Customer teams, you'll provide technical oversight and governance for claims and underwriting decisions. You'll be accountable for maintaining philosophy documentation, leading governance activity and supporting complex case escalations. Your work will help improve customer outcomes, manage risk and support the safe adoption of automation and AI-enabled decision making.

Skills and experience we're looking for

• Strong technical knowledge of insurance claims, underwriting, and risk management.
• Experience interpreting policy terms and applying consistent decision-making within a regulated environment.
• Strong stakeholder management skills with the ability to influence and collaborate across multiple business areas.
• Ability to use data, insight and performance information to support improvements and manage risk.
• Knowledge of Health products and customer outcomes, supported by relevant insurance qualifications or equivalent experience.

Whatyou’llget for this role:

Our purpose - with you today, for a better tomorrow – is a promise we make to our colleagues too.And one of the ways we live up to that promise is by investing in you.We have so much to offer when it comes to being an Aviva colleague.

• Starting salarybetween £65.000-£80.000(depending on location, skills, experience, and qualifications)
• Bonus opportunity –12%of annual salary Actual amount depends on your performance and Aviva’s.
• Generous pensionscheme - Aviva will contribute up to 14%, depending on what you put in.
• 29days holidayplus bank holidays, and you can choose to buy or sell up to 5 days
• Aviva-funded Private Medical Benefitto help you get expert support when you need it
• Make your money go further - Up to 40% discount on Aviva products, and other retailer discounts
• Up to £1,200 of free Aviva shares per year through our Matching Share Planand share in the success of Aviva with our Save As You Earnscheme
• Brilliantly supportive policiesincluding parental and carer’s leave
• Flexible benefitsto suit you, including sustainability optionssuch as cycle to work
• Make a difference, be part of our Aviva Communitiesand use your 3 paid volunteering days to help others
• We take your wellbeingseriously with lots of support and tools

Aviva is for everyone:

We’reinclusive and welcome everyone – we want applications from all backgrounds and experiences. Excited but not sure you tick every box? Even if youdon’t, we would still encourage you to apply. We also consider all forms of flexible working, including part time and job shares.

We flex locations,hoursand working patterns to suit our customers, business, and you. Most of our people are smart working – spending at least 50% of their time in our offices every week - combining the benefits of flexibility, with time together with colleagues.