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Graduate Household Underwriter

United Kingdom, Cardiff · Job Posted March 12, 2026
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Job Description

This is a hybrid role where we expect you to come to our Cardiff office twice a week (Tuesdays & Thursdays). We are looking for an ambitious and motivated graduate to join our Household Underwriting team in Cardiff. This is an exciting opportunity to begin your career in a technical, data‑driven, and customer‑focused area of insurance, with aim of becoming a part of the Performance, Change & Governance area of the Household Underwriting team. As a Graduate Household Underwriter, you’ll gain exposure to all aspects of home insurance underwriting — from understanding risk selection to product coverage, where you will be driving performance improvements to ensure we achieve our business objectives and deliver excellent customer outcomes. As part of this role you will work closely with other areas such as pricing, claims, product, operations, and IT, giving you a well-rounded understanding of how underwriting decisions impact both customers and the business.

Job Responsibility

  • Build a strong understanding of our home insurance products, our underwriting rules, risk selection, and decision‑making
  • Using tools such as BigQuery, Excel and Looker, you will be expected to analyse data to identify trends, issues, and opportunities for improvement
  • Support proposals that improve customer experience, growth, and risk management
  • Work collaboratively with other teams around the business which include Pricing, Product, IT, Claims and Operations to help implement and test underwriting changes
  • Document processes, decisions, and rule changes clearly
  • Present findings and proposals in both written reports and formal meetings
  • Manage workload effectively and meet deadlines in a fast‑paced environment
  • Challenge existing processes and contribute to creative ideas
  • Make balanced, reasoned judgments that consider both the needs of our customer and the business

Requirements

  • A degree at 2:1 or above in any discipline
  • Ability to think critically, solve problems logically, and use data to inform conclusions
  • Proficiency in Excel, with a willingness to learn new data tools, systems, and analytical techniques
  • A self‑starter who is motivated, organised, proactive, and keen to develop a career in underwriting
  • A confident communicator with strong interpersonal skills with the ability to explain complex or technical information clearly to a range of audiences
  • Comfortable engaging with stakeholders across different teams and levels
  • Flexible and adaptable in a fast‑paced environment with changing priorities

Nice to have

  • A degree in a STEM discipline (e.g., Mathematics, Engineering, Science, Technology)
  • Ability to code in SQL, or interest in developing coding skills
  • Exposure to data visualisation tools (e.g., Power BI, Tableau) or statistical techniques
  • An interest in how insurance works, how risk is assessed, and how commercial decisions are made
  • Experience presenting data, findings, or recommendations in an academic, professional, or extracurricular setting

What we offer

  • Eligible for up to £3,600 of free shares each year after one year of service
  • 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays)
  • Option to buy or sell up to an additional five days of annual leave
  • Financial & Mortgage Advice
  • 24-Hour Ecare
  • Cycle to Work Scheme
  • Flexible Working
  • Simply Health
  • Private Health Cover
  • Critical Illness Cover

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