Principal Underwriter Motor Trade
Guildford, ENG, GB, GU2 8XG
Role Description
You will act as the senior technical expert for a product line within UK Markets, driving underwriting excellence, shaping product direction and supporting complex decision-making to deliver strong customer and financial outcomes. This is a highly influential role within the Motor Trade product, combining deep technical expertise with strategic insight and market engagement.
Location: Candidates may be based at any of our sites across the country; please note that this is a hybrid working role with the expectation that attend the office 2-3 times per week.
Salary Information
Pay is dependent on experience, skills and location and is part of our total reward package.
About You
•Shape and evolve product-level underwriting strategy through expert technical, commercial and market insight
•Act as the recognised referral point for complex and non-standard risks, making sound underwriting decisions within authority
•Deliver profitable outcomes across complex risks and portfolios, balancing customer value with financial performance
•Apply strong understanding of profit and loss, KPIs and portfolio dynamics to inform underwriting decisions
•Set technical underwriting standards and provide expert guidance on referred cases
•Build underwriting capability by supporting development of knowledge, judgement and technical expertise across teams
•Design and deliver technical training, including mentorship and capability development for product underwriters
•Represent the product externally and internally, engaging with brokers, customers and stakeholders
•Translate market developments, regulatory change and customer feedback into product and underwriting insight
•Support product development, segmentation and continuous improvement activity
•Collaborate with underwriting leadership and managers to support profit, growth and underwriting performance
Essential Skills
•Highest level of underwriting authority within your line of business
•Strong analytical and critical thinking capability to interpret data and inform decisions
•Proven commercial acumen with understanding of market dynamics, risks and opportunities
•Deep technical underwriting expertise, including risk assessment, pricing considerations and policy coverage
•Strong understanding of claims drivers and application of risk management techniques
•Knowledge of underwriting governance, appetite and regulatory frameworks
•Expertise in policy wordings, clauses and non-standard covers
•Understanding of reinsurance principles, including facultative reinsurance
•Ability to influence and collaborate with senior stakeholders and external partners
•Excellent communication skills, with the ability to convey complex information clearly
•Ability to make decisions and develop solutions in complex and ambiguous environments
Desirable Skills
•ACII qualification (or progression towards) and relevant underwriting accreditations
•Experience in product development and segmentation within a line of business
•Proven ability to deliver strategy and technical improvements aligned to business objectives
•Strong track record of influencing outcomes across complex stakeholder environments
•Experience mentoring or developing underwriting capability
•Responsible Artificial Intelligence usage
What We Will 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 Allianz 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:
•Flexible buy/sell holiday options
•Hybrid working
•Annual performance related bonus
•Contributory pension scheme
•Development days
•A discount up to 50% on a range of insurance products including car, home and pet
•Retail discounts
•Volunteering days
Our Ways of Working
Do you need 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. Here at Allianz, 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.
Integrity, Fairness, Inclusion & Trust
At Allianz, we believe in fostering an inclusive workforce and are proud to be an equal opportunity employer. Our commitment to equal opportunities, gender equity, and balanced gender representation, is demonstrated by our numerous accreditations: EDGE certified for gender inclusion, Women in Finance Charter members, Disability Confident employer, Stonewall Diversity Champion, Business in the Community’s Race at Work Charter signatories, and Armed Forces Covenant gold standard employer.
We embrace neurodiversity and welcome applications from neurodivergent and disabled candidates, offering tailored adjustments to ensure your success.
We encourage our employees to advocate for their needs, whether it’s assistive technology, ergonomic equipment, mentoring, coaching, or flexible work arrangements.
Accessible Application for All
As part of the Disability Confident Scheme, we support candidates with disabilities or long-term health conditions through the Offer an Interview Scheme, for those meeting the essential skills for the role.
Contact our Resourcing team to opt into this scheme or for assistance with your application, including larger text, hard copies, or spoken applications.
For any inquiries or to submit your application, please contact: Aoife Magee
Closing date: 08/07/2026
We reserve the right to close the advert early if we reach enough applications.
Join us - Let’s Care for Tomorrow.
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