About the opportunity LV GI has a great opportunity for a Senior Underwriter. Your primary focus will be the agile management of our Home, Travel and Landlord portfolio through underwriting development and trading decisions across all direct distribution channels to support LVGIG’s strategic aims. You’ll take a leading role in proactively enhancing our Home, Travel and Landlord portfolio and footprint including participating in / chairing forums and sharing insight and recommendations with senior management to drive continuous improvements. As an empowered Senior Underwriter, you will play a key role in delivering our ambitious profitable growth plans through driving the underwriting activity and focus within the team. Your role will involve providing timely and intelligent portfolio underwriting decisions. You’ll undertake market research and monitor MI, identify opportunities and recommend changes to our products and processes to ensure they are competitive, meet customer expectations and comply with regulatory requirements. You’ll work closely with the Product Manager to define product strategy and collaborate closely with colleagues across the business to ensure successful delivery of underwriting and pricing initiatives. You’ll also act as an expert referral point. This is an exciting opportunity for someone with in-depth knowledge to help shape our products and underwriting to reflect a rapidly evolving digitalised world and customer needs whist being a part of a successful team within the GI Retail business. About You As a self-starter with the ability to proactively work using your initiative, setting own priorities and managing workload with minimum supervision, you’ll offer us your significant experience as an insurance professional. You’ll be working in a fast-paced trading environment, where decisive actions are required. You’re likely to have a background in Home underwriting or product development within a Direct environment (call centre, web, aggregator and partner), or have relevant technical expertise relating to home insurance. And you’re likely to hold or be progressing towards a relevant professional qualification. You’re organised, analytical and thorough and proactively identify opportunities and risks, and form sound judgements to make appropriate recommendations. You enjoy working as part of a busy team, using your strong communication skills and friendly, confident manner to collaborate and build great relationships with colleagues across the business and external partners, while managing stakeholder expectations. You’re able to think commercially and always have the customer at the forefront of your mind. Your inquisitive nature means you constantly seek ways to improve the commercial outcomes of the portfolios and your can-do attitude and project management skills ensure that you see tasks through to a timely conclusion, overcoming obstacles and driving change. The Details You'll need to: Create a culture where data is actively used to develop activities and strategies that deliver beneficial results. Oversee definition of and monitoring of insight into market, technology and data developments, customer feedback and product performance MI, and use trend analysis to support the above activities. Regularly monitor KPI’s to ensure performance against plan is met, reporting on risk mix and recommendations for change to drive profitability outcomes for the business. Develop and monitor market insight, customer feedback and product performance MI in order to : Define and deliver product enhancements to ensure our products are competitive and meet customer expectations. Define and deliver underwriting and terms across channels to improve profitability and expand footprint. Identify and recommend enhancements to procedures and controls in order to improve efficiency and reduce risk. Engage proactively with other functional teams to ensure alignment of purpose and successful delivery of initiatives and represent Underwriting at management meetings. Increase the strengths and capabilities of individuals and the team by coaching, identifying training needs and sharing best practice in order to support personal growth, enhance the performance of the team and to meet business needs. Regularly engage senior stakeholders, including GI Exec, to keep them abreast of commercial s. Deputise for the Underwriting Manager. Analyse product relevant regulatory bulletins (e.g. from ABI and FCA), escalating issues to management when necessary. Comply with Conduct Risk principles. What We're Looking For To be successful for the role you will have: Previous Home insurance underwriting experience. Strong analytical capability and technical competence, experience of portfolio/account management desirable. Ability to manage Exec level and external stakeholders with strong influencing skills and diplomacy. Commercial approach – focused on bottom line Drive to deliver with the ability to do so through others. In-depth understanding of the GI market and regulatory regime. Excellent relationship management skills. Uses initiative and able to manage multiple complex priorities with tight deadlines. Excellent communication skills, including reports, presentations, and letter writing. Proactively identifies opportunities or risks and generates innovative ideas for improvement. Collaborative approach and can do attitude. A good team player. Supportive to others with an enthusiastic and positive attitude. A calm, credible and reliable presence Ability to balance customer and business needs Experience of Direct sales channels; PCW’s, Web, Call Centre, IFA and Partnerships Be self-driven and proactive in development of own skills and technical knowledge. Relevant professional qualification preferred but not essential, eg ACII Our Ways of Working We are delighted to confirm that we are now a hybrid working business. Our office with flex model means that you will have the opportunity to work from home as well as the office. As a hybrid worker you will be in the office between 2 and 16 days per month depending on individual and business need. This will be discussed at interview stage. Please note this role can be based from our Bournemouth, Birmingham or London offices Do you need some flexibility with the hours you work? Let us know as part of your application and if it’s right for our customers, our business and for you, then we’ll do everything we can to make it happen. We are signatories of the ABIs flexible working charter. We believe in supporting hybrid work patterns, which balance the needs of our customers, with your personal circumstances and our business requirements. Our aim with this is to help innovation, creativity, and you to thrive - Your work life balance is important to us. What we can offer you Recognised and rewarded for a job well done, we have a range of flexible benefits for you to choose from- so you can pick a package that’s perfect for you. We also offer flexible working options, global career opportunities across the wider LVGI Group, and fantastic career development and training. That’s on top of enjoying all the benefits you’d expect from the world’s number one insurance brand, including: 26 days' holiday A competitive pension for which LV will pay twice the amount you pay, up to 14% An annual bonus scheme based on company and personal performance A flexible benefits package (e.g. discounted retail vouchers, great value dental insurance) ElectriX EV salary sacrifice scheme A generous 25% discount off our general insurance products including home, pet and travel as well as up to 50% discount on your car insurance. Our Purpose and Values We secure your future Be Brave | With Heart | Everyone Counts | Inspiring Trust Our purpose and values are more than just words on a website - they are the why and how of LV GI. They influence everything we do and guide us how to do it. Created by our people, for our people, they shape our culture, bring us together, and inspire us to be the best. Building an inclusive culture for us all to succeed. Diversity & Inclusion At LVGI we value diversity and inclusion and back this up with our accreditations. We are EDGE certified for gender inclusion, members of the Women in Finance Charter, signatories of Business in the Community’s Race at Work Charter, and an Armed Forces Covenant gold standard employer. We recognise the strength of neurodiversity in the workplace, and the far-reaching benefits of embracing a spectrum of thinking styles and innovative capabilities. We proudly welcome applications from neurodivergent and disabled candidates, and can offer tailored adjustments to remove barriers and set you up for success in your career. At LVGI, we encourage our people to advocate for what they need, we listen, and we act – this could include providing assistive technology, ergonomic specialist equipment, mentoring and coaching, or flexibility in the way you work, among a wide range other adjustments. LV General Insurance | Part of Allianz