Taking care of our customers, our communities and each other. That’s the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.
You'll be accountable for delivering against new business and quote/bind ratio targets across both eTrade and Traditional channels, driving segmentation strategy, and leading broker integration launches. A core part of the role is to optimise digital trading through the smart use of rules and data integration — enabling straight-through processing while maintaining underwriting discipline.
This role sits at the intersection of underwriting and eTrade product delivery. You'll shape risk appetite, optimise product performance through data-led analysis, and work closely with brokers and internal stakeholders to grow profitable business. You'll also play a key role in executing our SME Towers strategy.
The ideal candidate brings hands-on SME underwriting experience with strong technical knowledge of Acturis and rules-based underwriting environments. You'll understand how to turn underwriting intent into system logic — defining trade sectors, setting conditions, calibrating rates, and configuring rules that win business while protecting the book. A commercial mindset, analytical capability, and ability to engage brokers on trading opportunities are essential.
Travelers Europe currently offers flexibility to employees who wish to work on a hybrid basis in accordance with our Hybrid Work Arrangements Policy. This entails full time employees working three days a week in the office and two days at home (or pro rata for part-time employees). This policy may be changed at the Company’s discretion.What Will You Do?
- Implement, define and monitor underwriting appetite & rules for new and existing products in collaboration with US/CAN Select, Europe portfolio managers and Europe UW office.
- Work with product development on coverage analysis in new or optimisation of products to be market relevant and in line with our underwriting strategy.
- Ensure the appropriate use of ‘input’ data, third party data and SoF to select and manage risks in a eTrade model that is in line with our target risk selection strategy.
- Provide UW guidance for referral handling within the team – what info to collect, risk management approaches to use.
- Identify and take corrective action based on portfolio analysis across SME, ensuring rules are working as expected and that any knowledge or behavioural gaps are addressed through communication, coaching and training.
- Manage the profitability, growth, and retention across the portfolio ensuring the underwriting quality is maintained.
- Underwrite and skillfully negotiate risks to minimise risk and maximise profitability, including Mid Term Adjustments (MTAs).
- Proactively manages SME portfolio, ensuring key performance indicators are consistently achieved and you actively target new business and retention.
- Identify and capture opportunities to write additional lines of business using knowledge of products, risk characteristics and appetite.
- Proactively utilise various technology platforms to quote and bind E-Trade risk efficiently.
- Prepare, lead and present Underwriting Reviews for individual policies or portfolios/schemes and manage action points.
- Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to identify cross-selling opportunities.
- Foster and maintain relationships with brokers to ensure they have an appropriate understanding of BI SME products and the BI SME goals and objectives.
- Develop and rollout UW training material to support SME product trading as a result of new products, product optimisation, UW strategies developed with the product portfolio owner and national UW officers
- Support and collaboration across SME, providing coaching and guidance, including referrals.
- Perform other duties as assigned.
- Knowledge: Expert knowledge of products, the regulatory environment, and the local insurance market.
- Portfolio Management: Ability to execute strategic direction across assigned portfolio in partnership with leadership.
- Analytical/Critical thinking: Strong critical thinking skills with the ability to underwrite, market products, identify financial challenges, and analyse available information to make decisions in alignment with our risk appetite.
- Communication/Influence: Excellent communication skills with the ability to successfully negotiate in difficult situations with brokers.
- Inclusion:
- Ability to work with and lead people from different backgrounds, experiences, cultures, races, etc. and views those differences as assets to be leveraged to accomplish business goals and objectives.
- Leadership: Experience coaching and mentoring others.
- Industry / Competitor Analysis: Review competitor press releases and industry trade press for helpful insights, linking key themes together and identifying applicability to team strategies.
- Project Management: Participate in and/or lead projects that involves complex analysis and implementation of non-complex, routine business and regulatory changes relating to the enhancement, maintenance or introduction of new products
- UK: A-Levels or similar qualification
- Advanced experience of underwriting, product knowledge, financial analysis, or risk assessment experience.
- Private Medical Insurance: On commencement of employment, you are eligible for single cover provided by Travelers, with the option to add cover for your dependents, at your expense through payroll deduction.
- Retirement: Travelers will make a core contribution of a percentage of salary to your Pension Plan. Additionally, if you decide to contribute to the plan, you will receive an increased company contribution.
- Holiday Entitlement: Start your career at Travelers with a minimum of 25 days holiday entitlement annually, plus the opportunity to purchase additional days to allow for up to a total of 35 holidays per year.
- Wellness Programme: The Travelers wellness programme is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health programme provides access to free professional counseling services and other resources that support your daily life needs.
- Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards programme that enables you to give back to the charity of your choice.
Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.
If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you.
Travelers reserves the right to fill this position at a level above or below the level included in this posting.
To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/.
Skills Required
- A-Levels or similar qualification
- Advanced experience of underwriting, product knowledge, financial analysis, or risk assessment
- Expert knowledge of products, regulatory environment, and the local insurance market
- Experience managing SME portfolios and delivering on profitability, growth, and retention targets
- Experience defining and configuring rules, rating, conditions, and trade sectors for eTrade product delivery
- Strong analytical and critical thinking skills for portfolio analysis and risk selection
- Excellent communication and negotiation skills for broker engagement
- Experience coaching, mentoring, and delivering underwriting training materials
- Technical knowledge of Acturis and rules-based underwriting environments
Travelers Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Travelers and has not been reviewed or approved by Travelers.
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Retirement Support — Feedback suggests total rewards are bolstered by a 401(k) match, a company‑funded pension, and a program that contributes to retirement savings when employees make student‑loan payments. These elements are consistently portrayed as standout strengths of the package.
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Leave & Time Off Breadth — Feedback suggests time off is generous from the start, with substantial PTO, paid holidays, and the option to purchase additional days. Defined leaves such as short‑term disability and bereavement further enhance perceived flexibility.
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Healthcare Strength — Feedback suggests medical, dental, and vision coverage is comprehensive, with multiple plan choices, HSAs/FSAs, and robust mental‑health and wellness resources. Day‑one eligibility and added programs like caregiver support and specialty care navigation reinforce depth.
Travelers Insights
What We Do
Travelers provides insurance coverage to protect the things that are important to you – your home, your car, your valuables and your business. We have been around for more than 165 years and have earned a reputation as one of the best property casualty insurers in the industry because we take care of our customers, agents, brokers, communities and each other. Every day, our approximately 30,000 employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland help provide peace of mind to our customers. Our expertise and focus on innovation have made us an industry leader and the only property casualty company in the Dow Jones Industrial Average. Our history of advancements has propelled our company, and our industry, to deliver higher standards – from writing the first auto and space travel policies to founding the Travelers Institute for public policy and launching a hybrid car discount. By minimizing risk, preventing loss and helping our customers prepare for the unknown, Travelers’ comprehensive products and services enable individuals and businesses to feel confident and secure about the future.
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