Senior Schemes Underwriter

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