Support Training Underwriter

Apollo

Who we are Apollo, a Skyward Group company, is an innovation-inspired insurance platform operating at Lloyd’s of London, delivering data-driven and creative solutions across a broad range of risks. Our name reflects our origins. Inspired by one of our founding investors, Neil Armstrong, the first person to walk on the moon, the business was built with the same pioneering mindset. Alongside Jim Hays, Neil set out to create a different kind of Lloyd’s platform, focused, agile and built around people. Since launch in 2009, we have grown into a diversified insurance group offering products across Property, Casualty, Marine, Energy and Transportation, Specialty and Reinsurance, alongside Smart Follow and digital and embedded risk programmes. Our experience and unique ecosystem give Platform Partners the best chance of success, from navigating the Lloyd’s new entrant process through to the delivery of their long-term strategy. With a team of more than 300 professionals, we continue to grow with purpose, combining underwriting excellence, innovation and collaboration to enable a more resilient and sustainable world. Your Role As an Aviation Underwriter, you will play a key role in developing and managing a diverse portfolio of Open Market and Delegated Authority Aviation business, underwriting complex risks while balancing portfolio performance, risk appetite and long-term profitability. Working closely with the Head of Class, you will be trusted to make informed underwriting decisions, build strong relationships across the Lloyd's and London Market, and contribute to the continued success and growth of Apollo's Aviation portfolio. This is an opportunity to join an experienced underwriting team where your technical expertise, commercial judgement and market presence will genuinely influence underwriting outcomes. What You Will Do * Underwrite Aviation risks in accordance with underwriting authority, appetite and the Syndicate Business Plan. * Assess, price and negotiate complex Aviation risks, applying sound technical and commercial judgement. * Monitor portfolio performance, exposures and underwriting trends, identifying opportunities to improve profitability while maintaining a balanced portfolio aligned with Apollo's underwriting strategy. * Build trusted relationships with brokers, coverholders and clients, representing Apollo professionally across the Lloyd's and London Market while supporting both Open Market and Delegated Authority business. * Participate in peer reviews, providing constructive challenge and taking ownership of underwriting decisions. * Work closely with Claims, Exposure Management and other stakeholders to identify emerging risks and portfolio opportunities. * Contribute to underwriting strategy through wording development, pricing discussions and continuous improvement across the Aviation portfolio. * Ensure compliance with regulatory requirements, internal governance and Consumer Duty expectations. * Maintain accurate underwriting records and support management reporting where required. * Support the development of colleagues by sharing knowledge and contributing to a collaborative underwriting culture. What We Are Looking For * Experience underwriting Aviation business within the Lloyd's or London Market, with exposure to Open Market and/or Delegated Authority business. * The ability to assess complex risks and understand their impact on wider portfolio performance. * Strong knowledge of underwriting principles, pricing, policy wordings and reinsurance structures. * Confidence building long-term broker relationships whilst maintaining underwriting discipline. * Excellent analytical skills and the ability to make balanced, evidence-based underwriting decisions. * A collaborative approach and the confidence to challenge constructively when required. * Strong communication skills with the ability to explain underwriting rationale clearly to internal and external stakeholders. * A professional, accountable mindset with a genuine interest in developing both yourself and the wider team. What you’ll get in return We offer a competitive and thoughtfully designed reward package that reflects the value of our people. This includes a fair and attractive salary, discretionary bonus, and a comprehensive benefits package - including 31 days’ annual leave, a non-contributory pension and private medical insurance. Our commitment to inclusion At Apollo, people are at the heart of everything we do. We are a diverse, growing team of empowered experts who bring collaboration, innovation and data-driven thinking to every relationship and every risk. We believe diversity and inclusion go far beyond targets. They are essential to understanding the global communities we serve and to making better decisions. That’s why we are committed to developing diverse talent at every level and creating an environment where different perspectives are genuinely valued, supported and celebrated. We also run a programme of events, training and initiatives designed to recognise both the challenges and opportunities that come with building an inclusive workplace. Hybrid & flexible working Flexible and hybrid working are fully embraced at Apollo. We do not believe in presenteeism. Instead, we trust our people to work in ways that allow them to perform at their best, balancing professional responsibilities with personal commitments. Supporting your application Apollo is committed to creating an inclusive recruitment experience where every candidate feels supported and able to perform at their best. To help us do this, we invite you to complete a confidential ClearTalents profile. It takes just a few minutes and allows you to share any adjustments that may support you during the recruitment process. Your information remains private, and the recruitment team is only notified if an adjustment is requested. Please register to create your profile here: ClearTalents

Abound

About Abound We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation. And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us. About the Role We're looking for an experienced Second Charge Mortgage Underwriter to join our underwriting team and help build and scale our new Secured lending product. This is an exciting opportunity to build a product within a successful business. We are taking our success in underwriting unsecured loans and applying this to our secured lending product, and we need the final piece of the puzzle to bring the Customer and Property Underwriters together under one roof. In this senior role, you'll be the go-to person for all things second charge and property-related. You'll underwrite customers using our in-house system, Render, powered by Open Banking, and help shape the development of the property side of the platform. You'll work closely with Direct or Underwriting, Product, Technology, and Data Science teams, bringing your expertise in property and equity-based lending to bear on real decisions that shape the business. We're not looking for someone who simply follows a tick-box process. We want someone who can work to and reach targets, enjoys the fast paced start up environment and can think commercially, while still delivering good customer outcomes. About the Team Our Mortgage team is small split between Customer Underwriters and Property Underwriters. As part of the Senior role would be to bring this together. Unlike traditional lenders, we’re focused on doing things differently. Our underwriting approach combines a state-of-the-art in-house built technology that blends traditional lending methods with Open Banking analysis to create a smoother and more flexible experience for our customers. We’re always open to new ideas and better ways of working, and senior team members are encouraged to challenge existing processes and help improve how we do things. What You'll Be Doing * Take full ownership of complex and high-value second charge mortgage applications. Working to targets and Annual year end goals. * Open Banking data, credit reference agency information, and supporting documentation to make sound, commercially balanced lending decisions. * Act as the senior point of escalation for underwriting queries, setting the standard for how judgement is applied across the team. * Shape and evolve underwriting policy for second charge lending, ensuring it remains commercially sound, competitive, and aligned with regulatory requirements as the product scales. * Partner closely with product and technology teams to design and refine the property assessment capabilities within our in-house system, Render, bringing underwriting expertise to how property risk is evaluated and processed. * Identify opportunities to improve underwriting efficiency and quality, using data and case trends to refine policy and process over time. * Support the recruitment, training, and development of underwriters as the team expands, helping to instil a culture of sound judgement over box-ticking. * Work cross-functionally with Risk, Compliance, and Operations to ensure underwriting practices support both growth and good customer outcomes. * Contribute to management information and reporting, providing insight into underwriting performance, trends, and risk exposure to senior stakeholders. Skills & Experience * Minimum of 5 years' experience in second charge mortgages, this must be England-based; prior experience in a senior, lead, or team management capacity is highly desirable. * You'll be comfortable working to targets, driving month-on-month growth as the book expands. * Expert-level understanding of property as security — including valuation approaches, equity position, LTV and combined LTV calculations, existing charge structures, and title issues — with the ability to lead confidently on lending decisions where property equity is the primary basis for risk. * Strong working knowledge of FCA regulation, UK responsible lending rules, affordability assessment, MCOB requirements, fraud prevention, and AML regulations, with the credibility to interpret and apply these commercially. * Proven track record in manual underwriting of complex, high-value, and non-standard cases, with the judgement to make balanced decisions beyond a tick-box approach. * Demonstrated experience shaping or influencing underwriting policy, and a strong understanding of how policy translates into practical, day-to-day decision-making. * Experience contributing to the build-out or scaling of an underwriting function, process, or team — comfortable operating with a degree of ambiguity in a growing business. * Ability to manage competing priorities effectively and perform well under pressure in a fast-evolving environment. * Relevant industry qualifications (e.g., CeMAP, CeRER, DipFA or equivalent) are highly desirable. How We Work * We prioritise sound credit decisions and continuous learning from outcomes. * We take ownership of our work and support one another to achieve shared goals. * We work collaboratively across the business and contribute beyond individual responsibilities. * We encourage open discussion, constructive challenge, and accountability. * Strong performance and positive contribution are recognised and rewarded. What We Offer * Everyone owns a piece of the company - equity * Hybrid with 3 days a week in the office * 25 days’ holiday a year, plus 8 bank holidays * 2 paid volunteering days per year * One month paid sabbatical after 4 years * Employee loan * Free gym membership through WellHub * Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

Apollo

Who we are Apollo, a Skyward Group company, is an innovation-inspired insurance platform operating at Lloyd’s of London, delivering data-driven and creative solutions across a broad range of risks. Our name reflects our origins. Inspired by one of our founding investors, Neil Armstrong, the first person to walk on the moon, the business was built with the same pioneering mindset. Alongside Jim Hays, Neil set out to create a different kind of Lloyd’s platform, focused, agile and built around people. Since launch in 2009, we have grown into a diversified insurance group offering products across Property, Casualty, Marine, Energy and Transportation, Specialty and Reinsurance, alongside Smart Follow and digital and embedded risk programmes. Our experience and unique ecosystem give Platform Partners the best chance of success, from navigating the Lloyd’s new entrant process through to the delivery of their long-term strategy. With a team of more than 300 professionals, we continue to grow with purpose, combining underwriting excellence, innovation and collaboration to enable a more resilient and sustainable world. YOUR ROLE As a Senior Outward Reinsurance Technician, you will join Apollo's Ceded Reinsurance team and play a key role in the administration, processing, and oversight of Apollo's outward reinsurance programmes across both Apollo syndicates and Platform Partner Syndicates. Working closely with Underwriting, Finance, Claims, Actuarial teams, Brokers, and external reinsurance partners, you will support the full lifecycle of ceded reinsurance activity, ensuring accurate contract administration, timely reporting, and effective management of reinsurance arrangements across a diverse and growing portfolio. This is an exciting opportunity to join a collaborative team at a time of continued growth. You will support multiple syndicates and partner businesses while helping to ensure Apollo continues to meet its operational and regulatory obligations across an increasingly complex reinsurance landscape. WHAT YOU'LL DO * Manage the administration and processing of outward reinsurance contracts across proportional and non-proportional treaty arrangements. * Support the placement, maintenance, renewal, and ongoing management of reinsurance programmes across Apollo syndicates and Platform Partner Syndicates. * Maintain accurate reinsurance records and contract data within XL Pro and associated systems. * Process premium, claims, accounting, and settlement transactions relating to ceded reinsurance arrangements, including the provision of debiting instructions and management of activity through the Lloyd's Outwards Reinsurance Scheme (LORS). * Support the month-end net close process, monitor reinsurer aged debt, and liaise with brokers and counterparties to resolve outstanding matters. * Prepare and deliver Lloyd's Outwards Reinsurance reporting and related regulatory submissions. * Support the administration of legacy and run-off reinsurance arrangements where required. * Work closely with Underwriters, Finance, Claims, Actuarial teams, brokers, and external reinsurance counterparties to resolve queries and ensure accurate contract execution. * Contribute to process improvement initiatives while maintaining strong operational controls and data quality standards. * Support the continued growth of Apollo's Platform Partner Syndicates by providing high-quality ceded reinsurance administration and service delivery. WHAT WE ARE LOOKING FOR * Demonstrable experience working within a London Market ceded reinsurance function. * Strong knowledge of outward reinsurance operations and administration, including proportional and non-proportional treaty reinsurance. * Proven experience using XL Pro and the Lloyd's Outwards Reinsurance Scheme (LORS) for reinsurance administration, contract management, and settlement activities. * Experience preparing or supporting Lloyd's Outwards Reinsurance reporting and associated regulatory submissions. * Strong understanding of reinsurance accounting, premium processing, claims administration, cashflow management, and aged debt monitoring. * Experience working collaboratively with underwriting, finance, claims, actuarial teams, brokers, and reinsurers. * Excellent attention to detail, organisational skills, and the ability to manage competing priorities and deadlines. * Effective communication and relationship-building skills across internal and external stakeholders What you’ll get in return We offer a competitive and thoughtfully designed reward package that reflects the value of our people. This includes a fair and attractive salary, discretionary bonus, and a comprehensive benefits package - including 31 days’ annual leave, a non-contributory pension and private medical insurance. Our commitment to inclusion At Apollo, people are at the heart of everything we do. We are a diverse, growing team of empowered experts who bring collaboration, innovation and data-driven thinking to every relationship and every risk. We believe diversity and inclusion go far beyond targets. They are essential to understanding the global communities we serve and to making better decisions. That’s why we are committed to developing diverse talent at every level and creating an environment where different perspectives are genuinely valued, supported and celebrated. We also run a programme of events, training and initiatives designed to recognise both the challenges and opportunities that come with building an inclusive workplace. Hybrid & flexible working Flexible and hybrid working are fully embraced at Apollo. We do not believe in presenteeism. Instead, we trust our people to work in ways that allow them to perform at their best, balancing professional responsibilities with personal commitments. Supporting your application Apollo is committed to creating an inclusive recruitment experience where every candidate feels supported and able to perform at their best. To help us do this, we invite you to complete a confidential ClearTalents profile. It takes just a few minutes and allows you to share any adjustments that may support you during the recruitment process. Your information remains private, and the recruitment team is only notified if an adjustment is requested. Please register to create your profile here: ClearTalents