Technical Underwriting Manager

• We're looking for a Technical Underwriting Manager who understands that
• Reporting to the Head: Complex Commercial, this role is responsible for providing specialist technical underwriting expertise across HCC's mid-corporate portfolio. You'll play a critical role in assessing, pricing, structuring, and managing complex commercial risks while supporting underwriting excellence through referrals, broker engagement, governance, and capability development.

What you'll be trusted to own

• This is more than a technical underwriting role.
• It's about balancing growth, profitability, underwriting governance, broker relationships, and portfolio quality to ensure complex commercial risks are written within appetite, authority, and reinsurance frameworks.

How you'll make your mark:

• Assess new business, renewals, mid-term adjustments, and referrals for complex commercial risks, with a particular focus on property damage and business interruption exposures.
• Evaluate construction, occupancy, fire protection, catastrophe exposure, accumulation risks, and other material underwriting considerations.
• Review claims experience, loss trends, exposure changes, and risk improvement measures to support sound underwriting decisions.
• Determine appropriate terms, conditions, deductibles, warranties, exclusions, and subjectivities aligned to risk quality and underwriting appetite.
• Apply approved rating methodologies and technical pricing principles to maintain portfolio profitability and premium adequacy.
• Identify concentrations, adverse trends, pricing anomalies, and emerging risks across the portfolio.
• Interpret engineering surveys and risk improvement recommendations, ensuring material vulnerabilities are appropriately addressed.
• Oversee referrals, capacity management, facultative reinsurance requirements, and treaty eligibility considerations.
• Ensure policy wordings, endorsements, schedules, deductibles, and coverage structures accurately reflect underwriting intent and reinsurance requirements.
• Provide technical guidance and support to regional underwriting teams, brokers, and internal stakeholders.
• Build and maintain strong broker relationships while ensuring underwriting independence and consistency of decision-making.
• Coach and develop underwriting capability through training, technical guidance, case reviews, and knowledge-sharing initiatives.
• Contribute to product enhancements, wording development, underwriting frameworks, and continuous improvement initiatives.
• Monitor portfolio performance, premium adequacy, retention, loss experience, referral trends, and accumulation exposures.
• Deliver quality reporting, governance oversight, and audit-ready underwriting documentation.

Required Knowledge and Experience    
What you'll bring

• A reputation for technical excellence, strong underwriting judgement, and the ability to influence sound commercial decisions across complex insurance portfolios. Minimum 5 years' technical underwriting experience within Commercial or Corporate Insurance environments.
• Extensive experience assessing and underwriting complex or large commercial risks.
• Strong knowledge of commercial property, business interruption, and asset all-risk insurance products.
• In-depth understanding of policy wordings, endorsements, exclusions, warranties, subjectivities, and schedule construction.
• Demonstrated experience applying underwriting pricing principles and managing portfolio profitability.
• Sound understanding of risk engineering findings, loss prevention practices, and risk improvement management
• Strong knowledge of reinsurance markets, treaty structures, facultative placements, and capacity management.
• Experience engaging with brokers, regional underwriting teams, and technical stakeholders.
• Strong analytical, financial, and risk assessment capability.
• Excellent communication, coaching, stakeholder management, and decision-making skills.
• Experience working with binder partners will be advantageous.

Educational Requirements    

Qualifications

• Matric (Grade 12).
• Advanced Certificate in Short-Term Insurance (NQF 6 Associate).
• Ongoing compliance with CPD and Regulatory Examination (RE)
• Additional technical underwriting, risk management, or commercial insurance qualifications will be advantageous.

Deadline:2nd November,2026