Technical Underwriting Analyst

Tesco Insurance; Reigate and Banstead; Hybrid; GBP 30,000 - 36,000; Full time

Benefits offered by this job

Pension scheme (up to 7.5% employer)

Virtual GP service

Annual bonus

Holiday entitlement 7.2 weeks

Staff discount

Parental leave enhancement

Learning opportunities

Job summary

Tesco Insurance in Reigate is hiring a Technical Underwriting Analyst to join our Underwriting team. You will support the delivery of Tesco Underwriting's personal lines strategy by providing high-quality analysis, management information, underwriting insights and technical expertise that help drive profitable growth and effective risk management.

You'll work closely with Pricing and Data teams to analyse portfolio performance, identify emerging risks, develop analytical solutions and enhance

Qualifications

• Experience in data analysis or analytical support for underwriting.
• Ability to analyse large datasets and generate actionable insights.
• Proficiency with SAS, Excel, SQL, Python or R.
• Experience building/p calibrating predictive models in underwriting tools.

Responsibilities

• Deliver robust analysis, MI and portfolio insights for underwriting performance.
• Identify trends and risks within underwriting data and translate findings for stakeholders.
• Develop predictive models, scoring frameworks and dashboards with Pricing/Data teams.
• Ensure data accuracy through validation, testing and governance processes.
• Improve data quality, automation and analytics to boost efficiency and scalability.
• Collaborate with Underwriting, Pricing and Data functions and communicate findings clearly.

Skills

Data analysis

Analytical thinking

Communication

Tools

SAS

Advance Excel

SQL

Python

R

Radar Live

Emblem

Job description

Serving our customers, communities, and planet a little better every day.

Salary - Salary is from £33,040 + annual bonus & benefits

Work Level - 1

Location – Reigate

Office Attendance – Our hybrid working model gives you the best of both worlds - flexibility to work from home and valuable face-to-face time with colleagues. This role typically requires 2 days per week onsite.

Closing Date - Applications close on 08 October 2026 at 5pm

Why this role?

We're looking for a Technical Underwriting Analyst to join our Underwriting team.

In this role, you'll support the delivery of Tesco Underwriting's personal lines strategy by providing high-quality analysis, management information, underwriting insights and technical expertise that help drive profitable growth and effective risk management.

You'll work closely with Pricing and Data teams to analyse portfolio performance, identify emerging risks, develop analytical solutions and enhance underwriting capabilities. From validating data and monitoring underwriting controls to building dashboards, models and reporting, you'll play a key role in ensuring underwriting decisions are supported by accurate, reliable and actionable insight.

This is an excellent opportunity for someone who enjoys combining technical analytical skills with underwriting knowledge to influence business performance.

What you’ll be doing

• Delivering robust analysis, management information and portfolio insight that supports underwriting performance, profitability and strategic decision-making.
• Identifying trends, correlations and emerging risks within underwriting data and translating findings into clear recommendations for stakeholders.
• Developing and enhancing predictive models, scoring frameworks, dashboards and reporting solutions in collaboration with Pricing and Data teams.
• Ensuring data accuracy and integrity through rigorous validation, testing, controls and governance processes across underwriting activities.
• Driving improvements in data quality, automation and analytical processes to improve efficiency, scalability and business performance.
• Building strong relationships across Underwriting, Pricing and Data functions, communicating technical findings clearly to both technical and non-technical audiences.

What we’re looking for: (minimum criteria)

• Experience in data analysis, technical underwriting support or a similar analytical role, with the ability to analyse large datasets and generate meaningful business insights.
• Strong analytical and problem-solving skills, with experience validating data, identifying trends and making evidence-based recommendations.
• Proficiency in tools such as SAS, advance Excel, SQL, Python or R.
• Proven experience building, calibrating, and implementing predictive models in Radar Live and/or Emblem.

And if you have any of these, even better

• Knowledge of personal lines underwriting, pricing principles and insurance risk assessment.
• Experience developing dashboards, reporting and visualisations using Power BI or similar tools, with the ability to communicate complex findings clearly to stakeholders.
• Understanding of insurance regulatory requirements, compliance standards and data governance practices.
• Experience working closely with underwriting, pricing or actuarial teams within a general insurance environment.

We welcome applications from everyone. If you’re excited about this role but your experience doesn’t align perfectly with every requirement, we’d still love to hear from you.

What’s in it for you

• A generous pension, with up to 7.5% employer contribution, depending on what you put in.
• Virtual GP Service for you and your family
• Performance related annual bonus.
• 7.2 weeks holiday, with the opportunity to buy more.
• Colleague Clubcard discount (10-15% + second card to share with someone else).
• Enhanced parental leave.
• Opportunities to Save and Buy as you earn.
• A place to get on - take advantage of our ongoing learning opportunities to help you achieve the job and career you want.

Interviews

As a Disability Confident Employer (Level 2), we’re committed to creating an accessible and supportive environment for all. We offer reasonable adjustments throughout the recruitment process, including interviews, to ensure every candidate has a fair opportunity to succeed.

We also know the importance of balancing work with life’s other commitments. Please talk to us at interview about the flexibility you need, as we’re committed to exploring part time and flexible working opportunities, at every level of the organisation.

Interviews are expected to be held from w/c 12 October.

Why Tesco Insurance and Money Services?

Seeing your impact all around you: there's no better feeling.

Lucky for us, we get to feel it all the time. Because whatever our role, we're helping our colleagues and serving our customers, communities and planet a little better every day.

We deal in the personal – from pet insurance for your best friend, and home insurance for peace of mind, to motor insurance for your dream car or travel money for that trip you’ve worked hard for.

Everything we do is about making things better. Not just for others, but for you too. It's why you'll get bags of choice and plenty of development. It's why you'll always be heard and find balance that works for you. It's why you'll feel totally at home in a place where everyone's welcome.

So, if you want a career where you can do good and feel good, you've found it.

Let's make everyday a little better.

Our story

Making Insurance and Money Services more rewarding and offering great value and choice - because we know little wins can make a big difference.

We began life in 1997 and now help more than 2 million customers protect what matters to them.

We want to deliver a helpful service in everything we do and to make life easier for our customers. Our policies are really easy to manage online for our customers, but we know that being able to speak to our customer service staff when you need to is really important. This is why our customer service centers are open seven days a week.

Delivering great customer service means having great people behind the scenes – people who understand our customers and are driven by doing the right thing for them. We offer colleagues a place where they can feel totally at home in a place where everyone's welcome, where they can be part of a great team focused on making a real difference for our customers.