Initial Risk Underwriter (Fintech)

TL;DR

Initial Risk Underwriter (Fintech): Reviewing customer applications and assessing life and disability risk factors to determine appropriate terms within agreed authority levels with an accent on medical and non-medical information. Focus on delivering a high standard of service and maintaining accurate records.

Location: Hybrid in Hove, UK

Company

hirify.global is a leading UK financial services group and major global investor safeguarding people’s financial futures since 1836.

What you will do

• Assess customer applications to identify life and disability risk factors and determine appropriate terms.
• Review medical and non-medical information to support accurate underwriting decisions.
• Manage customer and intermediary queries efficiently to deliver a high standard of service.
• Maintain accurate and up-to-date records to support clear communication and business decision-making.
• Communicate with internal teams, external partners, and third parties to obtain and provide relevant information.
• Keep up to date with regulatory requirements, company policies, and underwriting best practice.

Requirements

• Understanding of risk factors affecting mortality and morbidity.
• Knowledge of protection products such as life insurance, critical illness, and income protection.
• Strong written and verbal communication skills across a range of channels.
• Ability to assess applications holistically and make balanced, evidence-based decisions.
• Strong organizational skills with the ability to prioritize and manage workload effectively.
• Commitment to delivering an excellent customer experience.

Nice to have

• Awareness of relevant legislation and regulatory requirements is desirable.

Culture & Benefits

• Opportunity to participate in annual, performance-related bonus plan and valuable share schemes.
• Generous pension contribution and life assurance.
• At least 25 days holiday, plus public holidays, with the option to buy and sell holiday.
• Competitive family leave.
• Electric car scheme available for permanent employees.
• Discounts offered for own products and at a range of high street stores and online.