Sr. Underwriter Cyber

Howden Group Holdings; United Kingdom; Hybrid; GBP 96,000 - 112,000; Full time

Job summary

A major insurance firm in the United Kingdom is seeking a Senior Underwriter for their Cyber division. This role involves underwriting complex cyber risks, managing broker relationships, and leading a team of underwriters. Candidates should have a Bachelor's degree and 5-8 years of relevant experience. Competitive salary and benefits are offered, along with a dynamic work environment focused on innovation and community impact.

Benefits

Medical benefits

Dental benefits

Vision benefits

Competitive salary

Unlimited PTO

401k with company match

Paid volunteer days

Qualifications

• 5–8 years of relevant underwriting experience.
• Professional certifications like CYRM, CISSP preferred.
• In-depth understanding of technical underwriting principles.

Responsibilities

• Underwrite complex insurance risks and analyze exposures.
• Curate a portfolio in accordance with Underwriting Guidelines.
• Provide guidance, coaching, and mentoring to team members.

Skills

Analytical skills

Negotiation skills

Decision-making skills

Relationship management

Education

Bachelor’s degree in risk management, Finance, IT, Business or related field

Tools

Microsoft Office Suite

Job description

Overview

DUAL North America, Inc. is seeking a Senior Underwriter for the Cyber division with a specialty in Middle and Large Market Risks in Excess of $250,000,000 in Revenue, but also possess the ability to underwrite SME Profiles ($0-$250M).

At DUAL, Sr. Underwriters play a key role in shaping the underwriting framework, managing a portfolio of complex risks, and expanding broker relationships. In this role, you will provide technical expertise to evaluate insurance submissions, balancing risk exposure, coverage needs, and profitability. Leading and collaborating with a team of underwriters in the Cyber division, you will assess high-stakes cyber risks, lead account negotiations, and support cyber product evolution in response to emerging threats. Your insights will influence both underwriting decisions and division strategy.

Role

Sr. Underwriter Cyber

• Reports to: EVP Underwriting, Cyber
• Classification: Exempt/Full-Time
• Travel: Up to 50% or more
• Salary: 130,000.00-$150,000.00 + Discretionary Bonus

Role responsibilities

• Underwrite complex insurance risks within granted level of authorities by identifying and analyzing risk exposures, loss frequency and severity against desired coverage.
• Ensure submissions meet underwriting standards for the program and are profitable.
• Curate a portfolio of business in accordance with Underwriting Guidelines and prescribed pricing tools with more discretion in curating the portfolio than a typical underwriter.
• Identify changes in account/market risk exposures and loss trends to maximize profitability.
• Work with Manager to define and execute team production goals.
• Review referrals from Junior Underwriters, Associate Underwriters, and Digital Portfolio Risks.
• Provide technical guidance, coaching, and mentoring to others on the team and within the company; may formally manage direct reports in the future.
• Execute on annual new and renewal business goals by achieving agreed premium income and hitting quote numbers with desired hit ratios and retentions.
• Foster relationships with key producers by traveling to connect and attend events/meetings as needed.
• Identify and source new relationships to help achieve business objectives.
• Gather and compile information required to quote and/or bind an account.
• Demonstrate advanced understanding of technical underwriting principles and risk underwriting characteristics in their line of business; expand knowledge of other lines of business as needed.
• Keep up to date on market dynamics, competitive landscape, and product differences.
• Communicate market intelligence to the broader group.
• Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives.
• Underwriting Authority: Has Underwriting authority as outlined in LOA.

Key requirements

• Bachelor’s degree in risk management, Finance, Information Technology, Business, or a related field preferred.
• 5–8 years of relevant underwriting experience
• Professional certifications such as CYRM, CISSP, or similar designations preferred.
• In-depth understanding of technical underwriting principles and risk assessment.
• Strong analytical, negotiation, and decision-making skills.
• Proven ability to manage and build broker and client relationships.
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint).
• Demonstrated ability to handle complex risks with sound judgment.
• Highly self-motivated with strong attention to detail.
• Ability to travel up to 50% as required for client meetings, conferences, or industry events.
• Must be able to remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment.
• If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team.

What we offer

A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.

We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.

EEO Statement

We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.