Underwriter

Diligenta Limited; Stirling; On-site; GBP 35,000 - GBP 45,000; Full time

Job summary

A leading life and pensions administration provider is looking for an Underwriter to assess customer applications efficiently. The role requires strong communication, compliance, and administration skills, along with medical underwriting experience. Responsibilities include making underwriting decisions, managing customer communications, and supporting team members. The position offers competitive benefits, including a discretionary bonus scheme and opportunities for personal and career development.

Benefits

33 days leave including Bank Holidays

Annual discretionary bonus scheme

Access to Perks at Work platform

Cycle to Work Scheme

Wellbeing programme

Contributory pension scheme

Group Life Assurance

Qualifications

• Previous medical underwriting experience is preferred.
• Strong telephone skills including questioning techniques.
• Proactive problem-solving ability in changing circumstances.

Responsibilities

• Making underwriting decisions based on customer information.
• Communicating clearly with customers and third parties.
• Supporting delivery of great customer outcomes.

Skills

Medical underwriting experience

Strong telephone skills

Problem-solving skills

Ability to interpret complex medical information

Competence in Microsoft Office

Self-motivation

Job description

About This Role

Underwriter

Who are Diligenta?

Diligenta's vision is to be acknowledged as Best-in-class Platform-based Life and Pensions Administration Service provider. Customer service is at the heart of everything we do, our aim is to transform our clients' operations. A business that has been described as ‘home’ by existing employees, we drive a culture that is founded on positive change and development.

Summary of the role

As a Underwriter, you will proactively assess customer applications across multiple product types, ensuring business is written efficiently and effectively. You will make outbound calls to customers to gather medical information, interpret this alongside policy terms and conditions, and make fair, accurate decisions on applications. This role is central to delivering excellent customer outcomes, combining strong communication and administration skills with a focus on compliance, accuracy, and customer service. You will also support less experienced team members by sharing knowledge and expertise, helping to build a collaborative and high-performing team.

Benefits

• 33 days including Bank Holidays
• Eligibility for an annual discretionary bonus scheme • Personal and career development opportunities to progress your aspirations within the company as well as through our global parent company (Tata Consultancy Services)
• Access to Perks at Work (an online discounted shopping platform) saving you money on a wide range of goods and services, including your weekly food shop, holidays and electrical goods.
• Cycle to Work Scheme & Interest-free Season Ticket loans.
• A companywide Wellbeing programme, including an Employee Assistance Programme and other benefits/resources to support your mental/physical and financial wellbeing.
• A comprehensive set of Moments that Matter policies, such as Carer’s Leave, Foster Leave and Retirement Leave
• A contributory company pension scheme where we match your contributions up to 6%, Group Life Assurance ('Death in Service') & Group Income Protection

What you’ll be doing

• Making underwriting decisions based on customer information and medical documents (GPs, Consultants) within approved authority limits
• Communicating clearly with customers and third parties, including vulnerable customers, both verbally and in writing
• Working accurately and efficiently to support the delivery of CSLs and other performance metrics
• Supporting the delivery of great customer outcomes through effective management of Conduct Risk and Consumer Duty
• Adhering to Diligenta’s corporate policies, procedures and guidelines, including Data Protection, Information Security and Financial Crime
• Supporting audits, post-issue accuracy checks and licensing within the team

What we’re looking for

• Previous medical underwriting experience is preferred
• Strong telephone skills, including questioning techniques and managing customer expectations
• Proactive problem-solving skills and the ability to adapt to changing circumstances
• Ability to interpret complex medical information and apply sound judgmentKnowledge of relevant legislation, FCA principles, and Consumer Duty requirements
• Competence in using underwriting systems, databases, and Microsoft Office applications
• Self-motivation with a drive for continuous learning and professional development

Apply for this role:

Do you hold valid Right to Work in the UK?
Yes No

Do you have any convictions or conditional cautions which are currently unspent under the Rehabilitation of Offenders Act 1974 (including traffic offences)?
Yes No

Are you or have you been the subject of any Voluntary Arrangements (IVAs), County Court Judgments (CCJs), Bankruptcy, or any other formal credit related proceedings which have or have not been satisfied?
Yes No

Have you been referred for this position by Diligenta Employee?
Yes No

Have you previously worked for Tata Consultancy Services (TCS)?
Yes No

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