Senior Underwriter, Accident & Health (Personal Accident and Travel Insurance)

at  Aviva

Individually we are people, but together we are Aviva. Individually these are just words, but together they are our Values – Care, Commitment, Community, and Confidence.
We are seeking an experienced and dynamic Senior Underwriter specializing in Personal Accident and Travel Insurance to join our Accident & Health (A&H) team. This role requires a deep understanding of underwriting practices, product development, and risk management within the A&H sector. The successful candidate will play a critical role in shaping and driving the success of our Personal Accident and Travel Insurance portfolios, ensuring alignment with the company’s strategic goals and growth objectives.
The position is based on site in any of our Irish offices in Dublin, Galway or Cork, with an opportunity to benefit from Aviva’s smart working arrangements which offers a mix of home and office working.
Please be advised that you must have fluent English and valid Irish, EU, or UK work rights to be considered for the position.

Key Responsibilities:

• Underwriting Leadership:
• Lead the underwriting process for Personal Accident and Travel Insurance products, ensuring adherence to company policies, regulatory requirements, and risk management standards.
• Evaluate and approve high-value and complex cases, providing expert risk assessments and pricing recommendations.
• Product Development:
• Design and launch innovative Personal Accident and Travel Insurance products that meet market needs and drive growth.
• Conduct regular market analysis to identify trends, opportunities, and competitive positioning.
• Provide strategic insights to enhance existing products, ensuring they remain competitive and relevant in a rapidly evolving market.
• Portfolio Management:
• Manage the performance of the Personal Accident and Travel Insurance portfolios, monitoring key metrics.
• Prepare and present regular reports on portfolio performance to senior management, highlighting key trends, risks, and opportunities.
• Stakeholder Engagement:
• Work closely with the Sales, Marketing, and Distribution teams to support the growth of the A&H business through brokers, partners, and direct channels.
• Build and maintain strong relationships with key stakeholders, including brokers, partners and internal teams.
• Regulatory Compliance:
• Ensure all underwriting practices comply with local and international regulations, industry standards, and company policies.
• Keep abreast of regulatory changes and ensure timely implementation of necessary adjustments to underwriting practices and product offerings.

Skills and experience:

• A degree in Insurance, Business Administration, Finance, or a related discipline is preferred, but equivalent professional experience will also be considered particularly International or EEA experience.
• Professional qualifications (e.g., ACII, CPCU) are advantageous, and relevant industry experience is highly valued.
• Experience in Accident & Health underwriting, with a strong focus on Personal Accident and Travel Insurance.
• Proven track record in product development, portfolio management, and risk assessment within the A&H insurance space.
• Strong analytical, decision-making, and problem-solving skills.
• Excellent communication and interpersonal skills, with the ability to build relationships with internal and external stakeholders.

What will you get for this role?

• A competitive market leading salary depending on skills, experience, and qualifications.
• Generous pension (employee contribution matching of up to 14% if you contribute 8%)
• Annual performance related bonus and pay review.
• Holiday allowance of 29 days plus bank holidays, and the option to buy/sell up to 5 additional days.
• Free car parking.
• Generous Health & dental insurance contributions after six months
• Aviva Matching Share Plan and Save As You Earn scheme and Approved Profit Share Scheme
• Cycle to Work benefit scheme.
• TaxSaver Travel Scheme
• Family friendly parent’s (matching paternity and maternity leave) and carer’s leave.
• Up to 40% discount for some Aviva products plus discounts for Friends and Family
• Employee Assistance Programme
• Volunteering days
• Professional qualification support and transparent career progression plans

Aviva is for Everyone
Our diversity and inclusion policies and initiatives are shaping an environment where everyone feels welcome regardless of age, disability, race, ethnicity, gender, gender identity, religion, culture, sexual orientation, national origin, marital status, pregnancy, maternity or those with other caring responsibilities. Our approach helps to ensure that Aviva is a place which values difference and provides equal opportunities for all.
We flex locations, hours and working patterns to suit our customers, business, and you. Our smart working combines the benefits of flexibility with time together with colleagues. We prefer all applications to be submitted online, however if you require an alternative method of applying, please contact megan.crabbe@aviva.co

Key Responsibilities:

• Underwriting Leadership:
• Lead the underwriting process for Personal Accident and Travel Insurance products, ensuring adherence to company policies, regulatory requirements, and risk management standards.
• Evaluate and approve high-value and complex cases, providing expert risk assessments and pricing recommendations.
• Product Development:
• Design and launch innovative Personal Accident and Travel Insurance products that meet market needs and drive growth.
• Conduct regular market analysis to identify trends, opportunities, and competitive positioning.
• Provide strategic insights to enhance existing products, ensuring they remain competitive and relevant in a rapidly evolving market.
• Portfolio Management:
• Manage the performance of the Personal Accident and Travel Insurance portfolios, monitoring key metrics.
• Prepare and present regular reports on portfolio performance to senior management, highlighting key trends, risks, and opportunities.
• Stakeholder Engagement:
• Work closely with the Sales, Marketing, and Distribution teams to support the growth of the A&H business through brokers, partners, and direct channels.
• Build and maintain strong relationships with key stakeholders, including brokers, partners and internal teams.
• Regulatory Compliance:
• Ensure all underwriting practices comply with local and international regulations, industry standards, and company policies.
• Keep abreast of regulatory changes and ensure timely implementation of necessary adjustments to underwriting practices and product offerings

What will you get for this role?

• A competitive market leading salary depending on skills, experience, and qualifications.
• Generous pension (employee contribution matching of up to 14% if you contribute 8%)
• Annual performance related bonus and pay review.
• Holiday allowance of 29 days plus bank holidays, and the option to buy/sell up to 5 additional days.
• Free car parking.
• Generous Health & dental insurance contributions after six months
• Aviva Matching Share Plan and Save As You Earn scheme and Approved Profit Share Scheme
• Cycle to Work benefit scheme.
• TaxSaver Travel Scheme
• Family friendly parent’s (matching paternity and maternity leave) and carer’s leave.
• Up to 40% discount for some Aviva products plus discounts for Friends and Family
• Employee Assistance Programme
• Volunteering days
• Professional qualification support and transparent career progression plan