Head of Insurance

JR United Kingdom; Exeter; Remote; GBP 55,000 - 75,000; Full time

Job summary

A leading startup is seeking an Underwriter to shape risk management and pricing strategy. This fully remote position involves leading underwriting activities, developing pricing models, and monitoring portfolio performance. Ideal candidates will have 5-10 years of experience and thrive in a fast-paced startup environment.

Benefits

Stock options

Fully remote (with optional office access in London)

Self-care Fridays (no internal meetings)

Qualifications

• 5–10 years of underwriting experience focusing on high-frequency, low-severity product lines.
• Strong pricing and actuarial understanding.
• Comfortable working autonomously in a fast-paced environment.

Responsibilities

• Own and lead all underwriting and pricing activity for high-volume products.
• Monitor portfolio-level data to identify claims trends.
• Define and refine underwriting policy aligning with regulatory frameworks.

Skills

Underwriting

Data Analysis

Pricing Models

Risk Management

Communication

Job description

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Our client is a venture-backed startup building a modern MGA from the ground up. They combine automated insurance products with live performance data and risk monitoring tools for enterprise clients. Backed by a reputable reinsurance broker, the company is currently in the process of becoming a Lloyd’s of London Cover holder.

This role will sit within the core insurance team and will be instrumental in shaping risk management, pricing strategy, policy design, and claims oversight for all schemes. The team operates fully remotely, with optional access to office space in central London.

Key Responsibilities

• Own and lead all underwriting and pricing activity for high-volume, low-severity products, including transactional or embedded lines.
• Develop and maintain pricing models driven by live performance data, enabling real-time risk segmentation and pricing adjustments.
• Monitor portfolio-level data to identify trends in claims frequency, severity, or behaviour, and adapt underwriting strategy accordingly.
• Operate independently across risk analysis, pricing strategy, and underwriting decision-making — building tools, models, and processes where needed.
• Define and refine underwriting policy, ensuring alignment with regulatory frameworks and future Lloyd’s Coverholder obligations.
• Liaise directly with enterprise partners on pricing, mid-term adjustments, and ongoing product performance.
• Support claims oversight, ensuring operational delivery aligns with underwriting expectations and customer value.
• Ensure compliance with applicable regulatory obligations across small schemes and delegated authority arrangements.
• Maintain technical documentation for audit readiness and internal transparency.
• Collaborate across product and commercial teams, ensuring underwriting remains aligned with broader business strategy.

Candidate Profile

• 5–10 years of underwriting experience with a focus on high-frequency, low-severity product lines (e.g., affinity, embedded, personal lines, etc.).
• Strong pricing and actuarial understanding, with confidence building or adapting pricing models based on live data.
• Track record of using performance data to make underwriting decisions and refine pricing logic in near real-time.
• Comfortable working autonomously in a fast-paced, startup environment.
• Solid knowledge of MGA operations and regulatory obligations — experience working under delegated authority is highly valued.
• Clear communicator, able to translate technical and pricing decisions to internal teams and external partners.
• Experience in the Lloyd’s market or at an MGA preferred, but not essential.
• ? Stock options
• ? Fully remote (with optional office access in London)
• ? Self-care Fridays (no internal meetings)