Senior Schemes Underwriter
| Posting date: | 04 May 2026 |
|---|---|
| Salary: | Not specified |
| Additional salary information: | Income Protection Cover if you're off sick continuously for 26 weeks or more, Company Days Off in Addition to Annual Leave, Private Medical Insurance, Worldwide Travel Insurance, Discounted Gym Membership, Professional Development + Membership support, where required by the role, Support for your Continuing Career |
| Hours: | Full time |
| Closing date: | 03 June 2026 |
| Location: | Colchester |
| Remote working: | Fully remote |
| Company: | Arc Legal Group |
| Job type: | Permanent |
| Job reference: |
Summary
We’re looking for a Senior Schemes Underwriter to join our underwriting team in a highly technical, portfolio‑focused role. You’ll work on large books of Legal Expenses and Home Emergency business; using data, risk analysis and various pricing models to underwrite new and existing scheme arrangements. You’ll be responsible for underwriting and pricing scheme business across our portfolio and work closely with our insurer capacity providers, as well as our Commercial and Product teams; discuss and underwrite technical cover queries, develop pricing proposals and review scheme performances.
Key responsibilities include:
Pricing and underwriting new scheme opportunities
Reviewing performance and profitability of existing scheme portfolios
Analysing data including loss ratios, trends and underwriting performance
Producing pricing models, MI and renewal recommendations
Writing and explaining clear and considered underwriting rationales
Working within binding authority limits and escalating referrals where required
Maintaining strong relationships with insurer and underwriting partners as well as internal stakeholders
Supporting the ongoing development and improvement of pricing models, underwriting processes and subject matter thought leadership.
This is a highly analytical role, with significant use of Excel, and would suit someone who enjoys working with data and making complex portfolio-level underwriting decisions; rather than individual case underwriting.
About You
We’re keen to speak to candidates with strong technical underwriting capability. While experience in Legal Expenses Insurance would be ideal, it isn’t essential provided you bring the right analytical and underwriting background.
Essential:
Proven underwriting experience within insurance
Experience of scheme, portfolio or pricing‑led underwriting (rather than case‑by‑case)
Strong risk assessment and analytical skills
Advanced Excel capability, including working with large spreadsheets and data sets
Excellent attention to detail and critical thinking skills
Strong written and verbal communication
Desirable:
Legal Expenses Insurance knowledge
Experience working with scheme or delegated authority business
Exposure to pricing or actuarial‑style underwriting work
CII qualifications (or working towards)
Why Join Arc Legal Group?
A genuinely technical underwriting role with real decision‑making responsibility
Portfolio‑level exposure rather than transactional underwriting
Opportunity to deepen expertise in schemes and complex underwriting
Collaborative, specialist underwriting environment
Key responsibilities include:
Pricing and underwriting new scheme opportunities
Reviewing performance and profitability of existing scheme portfolios
Analysing data including loss ratios, trends and underwriting performance
Producing pricing models, MI and renewal recommendations
Writing and explaining clear and considered underwriting rationales
Working within binding authority limits and escalating referrals where required
Maintaining strong relationships with insurer and underwriting partners as well as internal stakeholders
Supporting the ongoing development and improvement of pricing models, underwriting processes and subject matter thought leadership.
This is a highly analytical role, with significant use of Excel, and would suit someone who enjoys working with data and making complex portfolio-level underwriting decisions; rather than individual case underwriting.
About You
We’re keen to speak to candidates with strong technical underwriting capability. While experience in Legal Expenses Insurance would be ideal, it isn’t essential provided you bring the right analytical and underwriting background.
Essential:
Proven underwriting experience within insurance
Experience of scheme, portfolio or pricing‑led underwriting (rather than case‑by‑case)
Strong risk assessment and analytical skills
Advanced Excel capability, including working with large spreadsheets and data sets
Excellent attention to detail and critical thinking skills
Strong written and verbal communication
Desirable:
Legal Expenses Insurance knowledge
Experience working with scheme or delegated authority business
Exposure to pricing or actuarial‑style underwriting work
CII qualifications (or working towards)
Why Join Arc Legal Group?
A genuinely technical underwriting role with real decision‑making responsibility
Portfolio‑level exposure rather than transactional underwriting
Opportunity to deepen expertise in schemes and complex underwriting
Collaborative, specialist underwriting environment