Senior Commercial Underwriter

Job title: Senior Commercial Product Development Underwriter

Salary: £80,000

Location: Essex

PURPOSE OF ROLE

We're helping a growing insurer hire a Senior Commercial Product Development Underwriter to improve and update their SME products. The role focuses on underwriting, product design, and staying in line with regulations.

RESPONSIBILITIES

• Design and refine SME commercial products to align with market needs and business goals
• Collaborate with underwriting, claims, compliance, and distribution teams to develop and implement product enhancements
• Support pricing strategies and update policy wordings and terms to improve clarity and performance
• Ensure all product developments meet regulatory standards and internal governance
• Conduct competitor and market research to identify emerging risks and opportunities
• Support product training, documentation, and go-to-market activity across internal and external teams

DAY-TO-DAY

• Work with underwriting and data teams to improve products
• Speak with brokers to gather feedback and share updates
• Ensure documentation and products meet FCA rules
• Support marketing with product info and materials
• Keep up to date with market and regulatory changes

EXPERIENCE

• Background in commercial underwriting, ideally SME
• Experience developing or improving insurance products
• Used to working with different teams across a business
• Good understanding of FCA requirements

SKILLS & REQUIRMENTS

• Strong knowledge of SME commercial products
• Confident with pricing and data analysis
• Clear communicator across teams and partners
• Interest in digital and data-led underwriting (a plus)
• Cert CII (or working towards) preferred

If you have the relevant experience or know someone that does please contact me now on 07458 162 859 or email us at