Personal Lines Underwriter – Risk & Growth Innovator

FirstRand Short Term Insurance; Johannesburg; On-site; ZAR 480,000 - 720,000; Full time

Job summary

FirstRand Short Term Insurance is seeking a Senior Underwriter for personal lines, evaluating and approving applications for building, contents, motor and liability products. You balance risk with growth, ensuring compliance with underwriting guidelines and delivering exceptional client service.

The role emphasizes development of underwriting frameworks, training for brokers and teams, and leveraging data to streamline decisions while aligning with evolving market needs.

Qualifications

• Bachelor’s degree in insurance, risk management, finance or related field.
• RE5 qualification preferred and FAIS compliance required.
• Minimum 5 years underwriting experience in personal lines.
• Commercial underwriting experience is advantageous.

Responsibilities

• Assess and approve personal lines insurance applications (building, contents, motor, portable items, liability).
• Develop and maintain underwriting frameworks, policies and procedures.
• Provide guidance to brokers, agents and internal teams on underwriting criteria.
• Collaborate with claims, actuarial and product teams to inform risk decisions.

Skills

Analytical thinking

Decision making

Communication skills

Negotiation skills

Customer focus

Stakeholder engagement

Education

Bachelor’s degree in Insurance / Risk Management / Finance

RE5 qualification

FAIS compliance

Job description

FirstRand Short Term Insurance is seeking a Senior Underwriter for personal lines, evaluating and approving applications for building, contents, motor and liability products. You balance risk with growth, ensuring compliance with underwriting guidelines and delivering exceptional client service.

The role emphasizes development of underwriting frameworks, training for brokers and teams, and leveraging data to streamline decisions while aligning with evolving market needs.