Personal Lines Technical Underwriting Manager

NFU Mutual; Bristol; Hybrid; GBP 59,000 - 70,000; Full time

Job summary

A leading financial services organization in the UK seeks a Personal Lines Technical Underwriting Manager. The role involves managing oversight for Personal Lines products, leading a team of Senior Underwriters, and ensuring adherence to underwriting strategies while working collaboratively with various stakeholders. Candidates should have extensive experience in Personal Lines underwriting and strong analytical and leadership skills. The position offers a hybrid working model, requiring office attendance in either York or Bristol for 40% of the week, along with competitive benefits including a salary up to £70,000.

Benefits

Annual bonus (up to 25% of salary)

Contributory pension scheme

28 days annual leave + bank holidays

Private medical insurance

Health and wellbeing plan

Employee Volunteering

Life Assurance cover

Employee discounts on insurance policies

Qualifications

• Experience in senior Underwriter or management positions within Personal Lines.
• Ability to handle complaints, escalations, and complex referrals.
• Strong influencing skills with various stakeholders.

Responsibilities

• Accountable for Personal Lines technical oversight.
• Lead a technical team of Senior Underwriters to enhance capabilities.
• Implement underwriting strategy and monitor account performance.

Skills

Stakeholder management

Analytical skills

Mentoring

Communication

Education

Established Personal Lines underwriting background

Job description

Personal Lines Technical Underwriting Manager

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Join a leading Financial Services organisation, with an enviable reputation for exceptional customer service, market leading persistency and award-winning customer and employee engagement.

• Become accountable for our Personal Lines technical oversight – an area of the business that has seen impressive growth and is set to continue.
• Hybrid working arrangements – be based out of our York or Bristol offices 40% of your week, with up to 60% home working on offer.

About the role

In this role you will be responsible for the technical expertise of our Regional Underwriters across our Personal Lines product range (known as Motor & Personal – M&P). NFU Mutual is looking to continue to evolve this area of our business, delivering a compelling customer proposition and experience – plus it's an exciting time to join as we implement a large-scale transformational change (including digital offering) programme.

The role holder will contribute to our Personal Lines underwriting strategy, becoming responsible for implementing this locally, whilst monitoring key account performance measures and setting technical standards. Working collaboratively with our Head Office teams and NFU Mutual tied Agents, you will be a referral point for the most complex risks, holding the most senior Underwriting authority in the Regional Team. You will also feed in market trends and analysis to enable the organisation to respond proactively, whilst also providing your technical opinion on policy wordings and product development to ensure our products remain competitive.

Leading a technical team of Senior technical Underwriters, you will work with them to drive the technical capability of our Regional Underwriters, enabling them to be intuitive with their approach and to maximise their contribution to business objectives.

About you

You will come from an established Personal Lines underwriting background with a demonstrable and in-depth understanding of this market. This will include prior experience dealing with complaints, escalations, and complex referrals, matched with knowledge of current industry developments and regulatory frameworks.

Technically minded with strong analytical skills, you will have the ability to interact with various stakeholders, including non-technical audiences, partnered with the credibility and confidence to really challenge and influence decisions and ways of working.

As a collaborative leader, you will have a track record of coaching and mentoring others, fostering talent, and driving high performance within your team. You will combine technical expertise with commercial awareness, ensuring underwriting decisions support both business objectives, good customer outcomes and long-term success.

Key criteria to highlight on your CV will be:

• Demonstrable experience of undertaking a senior Underwriter or Underwriting managerial position(s) within a Personal Lines specialism.
• Knowledge of dealing with complaints, escalations and complex referrals for Home & Motor, Reinsurance, Flood Re and Sum Insured Exposures (£5M+).
• Exceptional stakeholder management and influencing skills.
• Experience of delivering KPIs, projects and objectives.
• Strong mentoring / managerial skills.

You must also be able to attend either our Bristol or York offices for 40% of your working week – i.e. minimum 2 days per week.

Benefits and Rewards

• Salary – up to £70,000.
• Annual bonus (up to 25% of salary).
• Contributory pension scheme, up to 20%, including your 8% contribution.
• 28 days annual leave + bank holidays + buy/sell/save holiday trading scheme.
• A Family Friendly policy that helps you balance your work and family responsibilities.
• Private medical insurance + options to add family members.
• Access to savings at High Street brands, travel and supermarkets.
• £20 contribution to a monthly gym membership – subject to T&Cs.
• Health and wellbeing plan – cashback for dentist, opticians, physio and more.
• Employee Volunteering – volunteer in the community for one day each year.
• Unlimited access to Refer a Friend £500 bonus scheme.
• Life Assurance cover of 4 × salary.
• Employee discounts of 15% on a range of NFU Mutual insurance policies.
• Salary sacrifice employee car scheme – subject to eligibility.

Working at NFU Mutualh3>

We're one of the UK's leading general insurance and financial services companies. For over 110 years we've put our customers at the heart of everything we do. Our people are just as important to us.

We pride ourselves on being "a great place to work" and our Gallup Exceptional Workplace 2025 award was not only awarded with Distinction but also named us as the first UK-based company to receive a Gallup Exceptional Workplace for ten years in a row. We are also the only Insurer to feature in the LinkedIn Top 15 Companies 2025 list of 'Best midsize employers to grow your career in the UK', the Glassdoor Best Places to Work UK List 2023 and 2024, and were recognised as a certified UK Top Employer by the Top Employers Institute in 2023, 2024 and 2025.

We offer a supportive culture where we empower and inspire our people to perform, offer them opportunities to grow, and recognise and reward their contribution. Our people are proud to work for a company that respects them and their communities, and they trust us to be financially sustainable, so we are successful now and in the future.

We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.

We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.