Strategic Commercial Property Underwriter – Data-Driven

LGBT Jobs; Cardiff; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Share scheme

Flexible hybrid working

33 days holiday

Job summary

Admiral Business is seeking a senior Commercial Property Underwriter to shape our Property underwriting strategy in the UK. You will influence appetite, pricing and portfolio decisions, working closely with Pricing, Product and Data to build a scalable, insight-led proposition for brokers and customers.

You’ll leverage deep knowledge of Property risks to drive profitable growth, manage exposure and deliver long-term value in a fast-paced, hybrid Cardiff-based role.

Qualifications

• Proven experience underwriting UK Commercial Property across SME, Commercial Package, Property Owners or Commercial Combined products.
• Strong technical knowledge of Property risks, including occupancy, construction, fire, flood, escape of water, theft, business interruption and sums insured.
• Good understanding of Property rating, risk selection, referral management and portfolio performance.
• Experience collaborating with Pricing, Data or Portfolio teams to inform underwriting strategy.
• Excellent underwriting judgement balancing risk quality, pricing, broker relationships and commercial outcomes.

Responsibilities

• Own and monitor the performance of a portfolio of UK Commercial Property business, balancing growth, profitability and customer outcomes.
• Shape Property underwriting appetite, referral strategies, acceptance criteria and portfolio governance.
• Act as a technical Property expert within the Underwriting team, supporting colleagues and embedding best practice.
• Partner with Pricing to refine rating models and optimise portfolio performance.
• Work with Product to evolve the Commercial Property proposition and coverage considerations.
• Use underwriting data, claims insight and market trends to identify opportunities and risks.
• Support development of underwriting rules across Property risk factors (occupancy, construction, fire protection, flood, BI, sums insured).
• Help manage Property exposure, accumulation and risk quality across the portfolio.
• Build strong relationships with regional brokers to support growth.
• Contribute to a scalable, data-led underwriting capability aligned with Admiral’s long-term goals.

Skills

Underwriting UK Commercial Property

Technical knowledge of Property risks

Data-driven decision making

Stakeholder collaboration

Portfolio management

Job description

Admiral Business is seeking a senior Commercial Property Underwriter to shape our Property underwriting strategy in the UK. You will influence appetite, pricing and portfolio decisions, working closely with Pricing, Product and Data to build a scalable, insight-led proposition for brokers and customers.

You’ll leverage deep knowledge of Property risks to drive profitable growth, manage exposure and deliver long-term value in a fast-paced, hybrid Cardiff-based role.