Experience

Higos Insurance Services Ltd

• United Kingdom
• Insurance
• 1 - 100 Employee

• Product & Underwriting Director

  • Aug 2022 - Present

• Product & Underwriting Director

  • Aug 2022 - Present

• Head of Personal Lines

  • Nov 1997 - Aug 2022

  My responsibilities include :• delivering profitable underwriting results across the preferred panel of market in line with risk appetite, business strategies and performance targets; delivering underwriting decisions, overseeing pricing reviews, driving technical audits, contributing to business development activities, and liaising with stakeholders internally and with our Insurer Panel.• Acting as the Technical Authority for standard and non-standard cases to secure business; leading and contributing to technical audits and peer review processes, supporting and enabling the maintenance of an effective controlled environment; providing technical leadership, direction, challenge, guidance and advice to Underwriting colleagues.• Working closely with Insurers and Underwriters ensuring profitability and growth of book by regular review, and developing products and policy wordings; developing risk screens, enabling us to work with Insurers, Underwriters and software providers to combine Rating, Technical Specification and Underwriting Rules to quote and bind on the software platform.• Managing and maintaining Personal Lines Underwriting Licenses across the business; monitoring performance, reviewing progress, ensuring timely appropriate actions as required; developing and maintaining robust systems and controls, managing and controlling the communication of all Personal Lines products and process changes to the business.• Keeping abreast of relevant trends, risks and markets, supporting and informing the future development of products and propositions and the determination of future risk appetite for relevant classes of business.• Mentoring, coaching and developing staff; identifying skill gaps, and coordinating appropriate staff training Show less


National Provident Institution
• United Kingdom
• Software Development
• Life & Pensions Clerk

  • 1984 - 1986

Sun Alliance
• India
• Construction
• Insurance Clerk

  • 1980 - 1984