Senior Risk Underwriter, Americas

About us:

• Global fintech transforming B2B credit insurance (website)
• Named as the #1 fastest-growing insurtech and #19 fastest-growing startup in the Sifted 100 for UK & Ireland,
• #4 fastest growing software business in the UK (The Sunday Times, 100 tech)
• Backed by leading European and American VCs, including Dawn Capital and Octopus Ventures
• Founded in 2020, serving some of the world’s largest companies across UK, Europe and North America
• Fast-growing team of ~50 people, with offices across the UK (London HQ) and US (Dallas, New York), licensed to write policies across 32 countries

About The Role The Senior Underwriter is accountable for risk evaluation and underwriting for new deals and existing transactions, ensuring that all decisions are consistent with the company’s risk appetite, underwriting guidelines, and governance standards. This includes detailed analysis of individual counterparties and risk portfolios across comprehensive multi-buyer programmes, select risk pools, and single obligor solutions. The role also requires building and maintaining strong relationships with insurers, brokers, clients, and internal stakeholders to support disciplined underwriting outcomes. Alongside core risk underwriting responsibilities, the role provides scope to contribute to wider business initiatives. These include leading renewal reviews and execution, supporting product development, and contributing to cross-functional projects that strengthen efficiency, governance, and risk management standards. While secondary to risk underwriting responsibilities, these projects are an important part of ensuring the business continues to evolve and scale effectively. The Senior Underwriter will be required to collaborate closely with colleagues across commercial, product, operations, technology, and marketing business segments, ensuring that underwriting decisions safeguard the company’s risk position while also supporting a consistent and positive client experience. This role hold a dual reporting line, reporting directly to the Group VP of Risk Underwriting and Managing Director of the Americas.

Responsibilities

• Underwriting
• * Independently analyse and underwrite new and on-boarded risks, working closely with underwriting colleagues and the leadership team.
• * Monitor the portfolio to identify emerging risks, ensure adherence to risk appetite, and recommend appropriate actions.
• * Provide analysis and commentary on emerging data trends within the risk portfolio.
• * Track and report key underwriting portfolio metrics and performance indicators to the Group VP of Risk Underwriting.
• * Present transactions to the Underwriting Committee.
• * Embed key insights from reviews, audits, and retrospective appraisals into underwriting processes to strengthen discipline and drive continuous improvement.
• Cross-Functional Support
• * Provide underwriting expertise to cross-functional initiatives, including product innovation and technology platform design, ensuring risk considerations are embedded into business improvements.
• * Contribute feedback and recommendations to the product manager and engineering team, helping to refine tools and features that enhance underwriting efficiency and client experience.
• * Support business priorities such as data quality improvements or workflow refinements, in coordination with the Group VP of Risk Underwriting, where these align with underwriting objectives.

Key Attributes

• Skills and experience
• * Minimum 5 years’ experience in risk underwriting, ideally within trade credit insurance market.
• * Excellent communication and drafting skills; capable of producing compelling analysis papers and justifications for capacity providers.
• * Confident working with international jurisdictions and understanding varying credit risk and legal environments.
• Desirable Attributes
• * Understanding of policy structures, contract wordings, commercial underwriting, and legal/contractual considerations in credit risk analysis.
• * Comfortable handling ambiguity and complexity in both deal structures and risk profiles.
• * Strong attention to detail and a commitment to improving efficiency and quality in underwriting practices.
• * Ability and experience of working across international markets and multiple trade sectors, applying risk expertise to different industries and jurisdictions.
• * Collaborative mindset with a proactive approach to supporting cross-functional initiatives.

Logistics

• Compensation: Based on experience
• Employment type: Permanent
• Employee share option pool: Available - you will earn a stake in the company you are helping to build
• Location: United States, exact location to depend on the candidate

Company Benefits

• 25 days’ holiday
• Private healthcare
• Private pension
• £100/$140 per year towards a physical challenge of choice
• Learning and development support

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