Scheme Underwriter

About the role

We are seeking an experienced Scheme Underwriter to join a well‑established insurer in Bristol. The role involves managing a portfolio of scheme and standalone risks, balancing commercial opportunity with sound risk management, and acting as the technical point of contact for business partners.

Key responsibilities

• Underwrite and manage scheme and standalone policies, including renewals, MTAs and new business.
• Analyse data, declarations and portfolio performance to assess profitability and risk exposure.
• Use underwriting and performance data to support decision‑making and identify growth opportunities.
• Negotiate rates, premiums, exclusions and terms within delegated authority.
• Develop and maintain relationships with key accounts, insurers and internal stakeholders.
• Produce renewal and performance packs, reviews and supporting documentation.
• Act as a technical referral point for complex queries.
• Ensure compliance with governance frameworks, authority levels and audit requirements.
• Support junior colleagues through knowledge sharing.
• Contribute to process improvements and department‑wide projects.

Required profile

• Proven experience in underwriting within general or commercial insurance.
• Experience managing schemes, delegated authority arrangements or portfolios of business.
• Commercially minded with strong relationship‑building skills.
• Ability to balance technical underwriting decisions with commercial considerations.

Required skills

What we offer

• Hybrid working model – 2 days per week in the office.
• Opportunity to work with a reputable insurer in a central Bristol location.