Senior Underwriter - Fintech

About Vouch:

At Vouch, we believe business insurance should move at the speed of innovation. Legacy insurance providers can’t keep up with the emerging risks of high-growth companies, leaving clients stuck with outdated, rigid coverage.

Vouch is a modern insurance provider dedicated to the innovation economy. Backed by $185M in funding from world-class investors, we’re reimagining business insurance—just as Stripe transformed payments and Brex reimagined credit cards.

Our platform replaces complex, legacy processes with a streamlined, tailored approach to risk management. Advanced technology simplifies every step, while expert advisors negotiate coverage as dynamic as the industries we serve. With Vouch, clients get the right coverage at the right price—and a team that scales with them.

Why should you join our team and Vouch?

This is an exciting opportunity to help shape the future of our Fintech portfolio and make a lasting impact on our underwriting strategy and approach. We’re a quickly growing startup that believes in transparency and acknowledgment with our team members and cultivating a values-driven company. Our values are “Put People First,” “Listen, Challenge, and Grow,” “Face challenges head-on and win as a team,” and “Serve clients with integrity and excellence.”

What does a work environment look like at Vouch?

Vouch has employees located across the U.S., with offices in San Francisco, Chicago, and New York City. This role can be based anywhere in the U.S. as long as you can work our Vouch core collaboration hours (8:30 am-2:30 pm Pacific Time) when most internal meetings are held.

Role Responsibilities:

Vouch seeks a dynamic, driven, and detail-oriented Senior Underwriter with professional and/or management liability lines expertise. In this important role, your key responsibilities will include working closely with a Portfolio Underwriting Manager, our insureds, and sales teams to underwrite accounts within one or more of our innovation economy verticals according to Vouch’s guidelines and underwriting strategy.

A key part of your role will be to seek opportunities to provide creative insurance solutions to our clients and work with Portfolio Underwriting Managers to drive improvements in underwriting efficiency and effectiveness.

Job Duties: 

• Underwrite a diverse product portfolio within the Fintech / Financial Institutions innovation economy vertical to deliver target New Business, Renewal Retention, and Loss Ratio goals adhering to Vouch’s underwriting strategy and guidelines

• Refer accounts outside authority to the Portfolio Underwriter with actionable proposals

• Continuously seek ways to standardize the decision-making process from a quantitative and qualitative standpoint to inform and augment our underwriting processes. Clearly document underwriting decisions with rationale in the underwriting file

• Collaborate closely with the sales team on individual deals to ensure the best possible outcomes to drive proprietary product adoption and cross-sell and creative solutions to attract new clients and retain existing customers 

• Deliver actionable underwriting decision-making and process improvement proposals

• Collaborate with Portfolio Underwriters and other team members to deliver key inputs into guidelines and underwriting, coverage, and pricing strategies 

• Deliver and drive special underwriting projects 

About you:

• 5-10 years of experience in underwriting within Management and/orProfessional Liability, with a strong commitment to driving growth and profitability through disciplined underwriting practices

• Understanding of key P&C lines of insurance and desire to learn new lines

• Ability to demonstrate a relentless commitment to GWP Growth and Loss Ratio performance through diligent underwriting and customer support

• Extreme attention to detail and service orientation 

• Insatiably curious and strong desire to make the most effective and efficient underwriting decisions, carefully balancing all key considerations

• Proven ability to clearly articulate underwriting decisions and thought process

• Relentless commitment to process improvement 

• Ability to prioritize and manage multiple tasks in a fast-paced environment

• Strong organizational and time-management skills

• A team player with excellent interpersonal skills and the ability to build effective relationships with team members and external stakeholders

Nice to have:

• Exposure to and passion for early-stage startups and/or high-growth environments

• A background in insurance or other regulated categories 

Vouch provides several benefits to help you bring your best self to work:

• 💰 Competitive compensation and equity packages

• ⚕️ Health, dental, and vision insurance

• 👶 Parental leave

• 🌴 Flexible vacation time (Unlimited PTO)

• 🎨 🧠 Wellness allowance ($80/month)

• 📲 🛜 Technology allowance ($100/month)

• 📚 Professional Development ($500/Yr)

• 💻 🎧 Home office setup (One-time $500)

• 🏫 📈 L&D: Partnerships with Ethena, Hone, and weekly Lunch & Learns

• 🏳️‍🌈 ♀️ 🤝 Employee Groups (ERGs, Committees, and Communities): Vouch supports various employee groups to foster an inclusive, equitable workplace and create affirming, empowering, employee-centered spaces for conversation, community, and support. These groups include Pride @ Vouch, Women @ Vouch, Black @ Vouch, Virtual Connections, Pop Culture, Pets of Vouch, Skincare, Astrology, Plants, etc.

• 🧘 💲 Wellbeing: Voucher’s have access to many wellbeing perks, including Calm, ClassPass, Headspace, Fetch, OneMedical, Origin, SoFi, etc.

• 📊 Annual performance reviews with quarterly check-ins: Vouch conducts quarterly review discussions with all team members, offering goal setting and check-ins, development discussions, and promotion opportunities.

What to expect in the interview process:

• 30-minute phone call with our recruiting team

• 45-minute Zoom interview with the hiring manager

• Case study/technical screen

• Meet the team! 30-45min 1:1 Zoom meetings with 3-4 team members you’d work closely with in the role

Salary Range:

The pay range for this role is: $120,000 to $180,000 per year. These bands are based on relevant experience. These roles will have a guaranteed base salary and be eligible for a discretionary annual bonus.

Our salary ranges are based on paying competitively for our size and industry and are one part of our total compensation package that also includes benefits and other perks. We also include stock options in all compensation packages and believe all Vouch employees should have the opportunity to become owners in the company. Individual pay decisions are based on a number of factors, including qualifications for the role, experience level, skill set, location, and business need. The base pay range provided is subject to change and may be modified in the future.

Vouch believes in putting our people first, and building a diverse team is at the front of everything we do. We welcome people from different backgrounds, experiences, perspectives, and ranges of abilities. We are an equal-opportunity employer and celebrate the diversity of our growing team. 

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to [email protected].

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