Insurance Underwriter

Underwriting Manager

Underwriting Team • Blackburn, Lancashire (Office\-Based) • Full\-Time, Permanent

LOCATION

Blackburn, Lancashire (Office\-Based)

SALARY

£55,000 – £75,000 per annum, DOE

CONTRACT

Full\-Time, Permanent ( 1 Day WFH)

Monday\- Friday 09:00am\-05:00pm

REPORTS TO

CFO

About Warrantywise

Warrantywise is a UK vehicle warranty provider based in Blackburn, Lancashire, protecting drivers against the cost of unexpected repair bills with clear, jargon\-free cover and a strong reputation for customer service. Sound, well\-controlled underwriting sits at the core of that promise – balancing fair pricing for customers with a profitable, sustainable book of business as the company continues to grow.

The Role

We're looking for an experienced Underwriting Manager to lead our underwriting function, setting the risk appetite, pricing discipline and policy standards that keep our warranty products competitive and profitable. You'll manage a team of underwriters, own key relationships, and work closely with Claims, Pricing and Data teams to make sure underwriting decisions are grounded in strong evidence. Working closely with the CFO and Finance, you'll bring an insurance and accountancy mindset to the role, using senior\-level data analysis to understand portfolio performance, reserving and profitability. This is a senior role for someone who combines deep technical underwriting expertise with strong people leadership and commercial judgement.

Key Responsibilities

• Lead, develop and performance\-manage a team of underwriters, setting clear standards for the quality and consistency of underwriting decisions.


• Own underwriting policy, risk appetite and pricing strategy across the warranty product range, balancing growth with profitability.


• Review and authorise risks outside standard underwriting authority, referring to insurer or reinsurer partners where required.


• Monitor loss ratios, claims trends and portfolio performance, working with Pricing, Actuarial and Data teams to refine risk models and rating factors.


• Build and maintain strong relationships with insurer/reinsurer panels, brokers and other external partners.


• Develop underwriting guidelines, referral criteria, training and quality\-assurance processes for the team.


• Report on underwriting performance and portfolio health to senior leadership, with clear recommendations for action.


• Identify opportunities for new products, risk segments or process improvements that support sustainable, profitable growth.

Essential

• Significant experience in an underwriting management role within the insurance industry (motor, warranty or general insurance backgrounds all welcome).


• Strong technical underwriting knowledge across risk assessment, pricing and policy wording.


• Proven experience leading, developing and performance\-managing a team of underwriters.


• Strong commercial acumen, with a track record of balancing growth and profitability.


• Excellent analytical skills, comfortable interpreting claims and portfolio data to inform underwriting decisions.


• Senior data analyst experience (or equivalent), with strong skills in Excel, SQL and/or Power BI to analyse underwriting, claims and insurance performance data.


• Strong stakeholder\-management and communication skills, confident engaging insurer/reinsurer partners and senior leadership.


• A relevant professional qualification (e.g. Cert CII, Dip CII, ACII) or working towards one.

• Experience within the motor warranty, extended warranty or automotive insurance sector.


• Experience working with reinsurers, insurer panels or MGA arrangements.


• Familiarity with pricing or actuarial techniques and data\-driven underwriting tools (e.g. Power BI, SQL).


• A degree in a relevant subject such as business, finance, mathematics or risk management.


• Accountancy experience or a qualification (e.g. ACCA, CIMA, ACA or AAT), with an understanding of insurance finance, reserving and management accounts.

• £55,000 – £75,000 per annum, depending on experience.


• 22 days holiday plus bank holidays.


• Company pension scheme.


• Healthcare support including free eye tests and EAP (Wisdom App), Mental Health First Aiders within the business.


• 30% discount on all warranty products for employees, friends and family.


• Interest\-free loan of up to £1,000 after 6 months of service.


• Friendly, high\-energy office environment.


• Staff incentives and social events.


• Recommend\-a\-friend referral scheme.

To apply, please send your CV and a short covering note outlining your relevant underwriting management experience to Andrew at Warrantywise (andrew@warrantywise.co.uk).

Please let us know your current location and/or your willingness to travel to our Blackburn office when applying.

Pay: £55,000\.00\-£75,000\.00 per year

Work Location: In person

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