Insurance Underwriter

Brightwater Recruitment; Dublin; On-site; EUR 70,000 - 100,000; Full time

Job summary

Brightwater Recruitment seeks an experienced Motor Underwriter to own portfolios across multiple jurisdictions and shape pricing approaches for motor fleet business. You will work with actuarial, legal and business development to build insurance products for leasing clients.

The role requires CIP qualification or an insurance degree, 3+ years in motor underwriting, strong Excel skills, and a proactive, collaborative mindset. On-site position in Ireland with cross-border exposure.

Qualifications

• 3+ years in motor underwriting.
• CIP qualified and/or an insurance graduate.
• Sharp analytical thinking and sound judgement.
• Working knowledge of rating methods, procedures and underwriting reviews.
• Advanced Excel and strong MS Office skills.

Responsibilities

• Run a portfolio of established motor programmes across several jurisdictions.
• Act as the first point of contact for group affiliates and fronting partners on day-to-day matters.
• Work with underwriting management to keep pricing robust and aligned with local entity requirements.
• Assess discount and special acceptance requests.
• Draft and refresh policy wordings for new and existing programmes.
• Lead the roll-out and annual review of the Risk Selection & Pricing Procedures.
• Identify and deliver remedial actions that lift portfolio profitability.
• Track and maintain underwriting KPIs and KRIs.
• Manage reinsurance referrals with the in-house reinsurance team.

Skills

Motor underwriting

Analytical thinking

Communication

Cross-border programmes

Pricing

Team collaboration

Education

CIP / Insurance graduate

Tools

Excel

Job description

Reporting directly to the Motor Underwriting Manager, you’ll take ownership of a group of countries, underwrite motor fleet business from group companies, and play a leading part in shaping how the business approaches pricing. You’ll work alongside Actuarial, Legal and Business Development to build insurance products for the group’s leasing clients.

Responsibilities:

• Run a portfolio of established motor programmes across several jurisdictions
• Act as the first point of contact for group affiliates and fronting partners on day-to-day matters, and join their regular meetings and calls
• Work with underwriting management to keep pricing robust and aligned with local entity requirements
• Assess discount and special acceptance requests:
• Challenge the Data Analyst’s customer and country performance analysis
• Confirm requests fall within underwriting authority
• Recommend them for sign-off
• Draft and refresh policy wordings for new and existing programmes
• Lead the roll‑out and annual review of the Risk Selection & Pricing Procedures issued to group entities acting as policyholders or intermediaries
• Identify and deliver remedial actions that lift portfolio profitability
• Track and maintain underwriting KPIs and KRIs
• Manage reinsurance referrals with the in‑house reinsurance team and external parties
• Contribute to reviews of programme structure, terms and conditions
• Take part in Business Control Reviews covering underwriting and regulatory compliance
• Build strong working relationships with internal specialists and with insurance managers across group entities
• Pick up wider projects as directed by underwriting management

Skills & Experience:

• 3+ years in motor underwriting
• CIP qualified and/or an insurance graduate
• Sharp analytical thinking and sound judgement
• Working knowledge of rating methods, procedures and underwriting reviews
• Advanced Excel and strong MS Office skills
• Meticulous and highly organised, comfortable juggling priorities against deadlines and working on your own initiative
• Clear, confident communicator, in writing and in person
• Collaborative team member who brings fresh ideas for improving how things are done
• 5+ years in motor underwriting
• Familiarity with cross-border programmes, such as Freedom of Services, Solvency II and the IDD
• Track record of designing wordings for motor and ancillary covers