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Innovation Underwriting Director

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Employment Type:
Full Time

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Minimum Experience:

About Us

Building a global insurance safety net that is simple, easy to understand, and accessible to all.

MIC Global (MIC) is a full stack technology focused insurance company. MIC has brought together sales, distribution, product and technology to focus on new insurance opportunities coming from the new digital economy for billions of people and millions of micro and small businesses globally. MIC provides insurance to internet platforms, millions of micro & small businesses. At MIC, we are changing the insurance business. We are constantly working to create insurance policies that do exactly what insurance is supposed to do – provide a safety net to help people recover quickly from problems large and small. Over the last 300 years, insurance has not done such a great job of this, globally few people buy and it’s seen as complicated, expensive and untrustworthy.

We are dedicated to changing this perception of insurance, and we are doing this through our actions. So far, we have issued over 3 million policies in 15 countries, and we are not slowing down anytime soon. We believe recovering from adversity should not be a privilege for only the wealthy and the few, which is why we are committed to distributing insurance to the world’s low and middle-income people and micro businesses. To make insurance accessible, we are often required to solve complex problems. Every country we operate in requires different solutions that are unique to that region. Thus, we have created and implemented many innovative financial services which are distributed through e-commerce partners and platforms, banks, mobile networks and mobile wallets.

At MIC, we pledge to share our skills and ideas to enable other insurance companies to grow their own businesses and to reach more people. We believe together, we can reach 4 billion people.

Role Description:

As part of the MIC Underwriting team and as the Innovation Underwriting Director, you will be responsible for developing and managing internal relationships between sales and underwriting and communicating and executing underwriting expectations and needs. As a member of the underwriting management team, you will work closely with the Underwriting and Sales leadership teams to ensure product design, pricing, and terms and conditions are appropriate and in line with the intention of coverage as well as protecting the underwriting profitability of MIC. Working with reinsurance brokers and in collaboration with the sales team, you will work together with clients and insurance partners to ensure their support of our programs globally, bringing in other members of the leadership team as required.

This role provides scope for involvement in different aspects of insurance, whether that be overseas risks, underwriting focused client meetings, product development, design, underwriting, wordings development, and operations and claims discussions.

Broad Responsibilities:

  • Drive production of reinsurance business within the MIC Global underwriting appetite
  • Awareness of and contribution to the delivery of the MIC business plan, making decisions as appropriate
  • Drive product innovation ideas from an underwriting perspective in conjunction with MIC’s senior leadership team
  • Ensure that business written and cover purchased meets market requirements and is cognisant with the boundaries of MIC’s risk appetite and strategy
  • Ensure products and underwritten meet the needs of the target market, provide fair value, and enable consumers to get what they paid for without unreasonable barriers
  • Communicate and disseminate information internally, interact with and solicit support from other areas of the business, particularly underwriting, sales, claims, finance, compliance, and operations
  • Maintain awareness of market trends and issues and to reach agreement as per company requirements
  • Manage and implement underwriting guidelines and process, with collaboration and input from the Syndicate Active Underwriter and the Chief Underwriting Officer
  • Positively promote MIC to maximize brand leverage

Detailed Responsibilities:

  • Participate in broker and client meetings and drive business implementation and launch within the underwriting appetite
  • Drive key carrier and broker relationships on behalf of MIC Global
  • Serve as member of underwriting management team and responsible for gathering information for internal engagement, including preparing internal business, financial, and resource management cases
  • On behalf of Underwriting, serve as key internal contact with Operations, Technology, Sales, and Finance to collaborate on upcoming and live accounts
  • For Pure Reinsurance deals, responsible for lifecycle of account
  • Analyse and document risks and proposed benefits, policy forms, terms & conditions, and pricing, in line with underwriting guidelines and delegated underwriting authority
  • Assist with monthly portfolio review for live accounts with regards to premium income, portfolio diversification, aggregate monitoring, and realistic disaster scenarios calculations
  • Create and deliver insurance and reinsurance related training to the internal MIC Global teams
  • Mentor junior underwriting team members and serve as an underwriting subject matter expert

You will also get a chance to be part of:

🌍 Global team expansion: Building up a world-class team of talented and passionate people.


  • Minimum 5 years in insurance or risk management industry
  • Highly curious about new ideas in insurance and broadly worldwide
  • Motivated learner and Innovative thinker, willing to operate outside of the box
  • Collaborative and organized with a high level of attention to detail
  • Ability to negotiate, influence and effectively disseminate knowledge and articulate opinion, whilst maintaining awareness of commercial environment.
  • Self-motivated with the ability to work on own initiative and as part of a team.
  • Proactive approach to work with the capability to plan, prioritise and handle workload to ensure expectations of stakeholders are effectively managed.

Bonus points:

  • Knowledge, interest, and experience in insurance, risk management, or actuarial science, preferably gained within a (re)insurance company or broking environment or through undergraduate studies
  • Experience working with a Lloyds Syndicate and/or Consumer Business
  • Experience in health and benefits or warranty market
  • Additional language capabilities


  • PTO + 8 Company Holidays
  • Bonus and Share Unit Potential
  • You will be working for a company that has talented colleagues and has a passionate focused culture
  • Extensive potential for growth and professional development
  • Key member of the underwriting management team


Preferred London (UK) or Nashville Tennessee (USA), with flexibility to align with UK/USA business hours. Open to other locations in the USA.

Role reports into:

Chief Underwriting Officer and Risk Manager : Paige Stiefel | LinkedIn

Management Team

CEO : Harry Croydon | LinkedIn