Who We Are
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Wakam is a B2B2C insurance company that creates white‑label insurance solutions via its Play&Plug;® technology platform for more than 80 partners. We provide most of our insurance products through APIs and operate across 32 countries, making Wakam the European leader in digital and embedded insurance.
About the Team
You will join Wakam’s Motor Underwriting team, which plays a central role in shaping underwriting performance, portfolio quality and sustainable growth across multiple European markets. The team works at the crossroads of Underwriting, Pricing, Claims, Distribution, Product, Reinsurance and Compliance and supports broker, MGA and platform partnerships with technical underwriting expertise and a data‑driven approach to decision‑making.
Your Mission
As a Senior Motor Fleet Underwriter (12 months fixed‑term), you will take ownership of Wakam’s European commercial motor fleet portfolio, driving underwriting performance, strengthening broker and MGA relationships and contributing to product and market strategy across several jurisdictions. You will act as a technical authority on fleet underwriting, combining risk selection, pricing discipline, market insight and portfolio steering to ensure profitable and sustainable growth.
Your Responsibilities
Underwrite new business and renewals across commercial motor fleet segments (PHV/taxi, delivery, leasing fleets, etc.), assess risk quality using exposure data, loss history, fleet management practices, driver profiles and sector information and apply technical pricing models and rating tools to determine adequate premiums.
Negotiate terms with brokers and MGAs to achieve balanced outcomes on price, coverage and conditions, and manage quotes, binders, endorsements and monitor in‑force accounts for mid‑term changes.
Monitor the combined operating ratio and loss ratio of the fleet portfolio on a regular basis, identify trends and take corrective actions. Track performance by segment, geography, broker, vehicle type and fleet size and contribute to quarterly portfolio reviews and management reporting.
Actively manage underperforming accounts through rate action, tighter coverage terms or non‑renewal decisions where appropriate; produce underwriting MI and data analysis to support portfolio steering and work closely with actuarial teams on pricing adequacy, experience reviews and reserving discussions.
Contribute to the development and ongoing refinement of fleet pricing models, rating tools, underwriting guidelines, referral matrices and appetite statements, incorporating market intelligence and claims experience into pricing assumptions.
Monitor external market conditions such as competitor pricing, capacity changes and emerging risks (EV fleets, ADAS, autonomous vehicles, gig‑economy operators, mobility‑as‑a‑service platforms).
Build and maintain strong relationships with specialist fleet brokers, Lloyd’s brokers and MGA partners across Europe; lead broker meetings, scheme reviews and renewal discussions, support onboarding of new fleet schemes and delegated authority arrangements, and represent Wakam in market discussions and industry forums.
Underwrite cross‑border fleet risks and multi‑jurisdiction programmes, navigating local regulatory requirements, mandatory covers and market practices across countries such as the UK, France, Spain, Italy, Germany, the Netherlands, Belgium and the Nordics.
Work closely with claims teams on large or complex fleet losses, support claims reviews, identify fraud indicators and leakage patterns and contribute to wording reviews to ensure coverage remains robust and fit for purpose.
Operate within underwriting authorities and governance frameworks, maintain accurate records in underwriting systems, prepare submissions for internal committees and support audit and compliance processes across relevant markets.
What You Bring
Significant motor fleet underwriting experience, ideally within an insurer, Lloyd’s syndicate or specialist MGA.
A proven track record managing fleet portfolios across multiple European markets.
Experience underwriting large and complex fleet accounts, including structures involving deductibles, captives or self‑insured elements.
Strong technical underwriting capabilities in risk assessment, pricing, coverage structuring and portfolio steering.
Comfort interpreting loss runs, claims statistics and actuarial analyses.
Strong command of tools such as Excel and, ideally, Power BI or similar BI platforms, plus familiarity with underwriting and pricing systems.
Good understanding of reinsurance structures relevant to fleet business (XL, quota share and aggregate covers).
Familiarity with European motor insurance regulation, including cross‑border requirements and compulsory insurance frameworks.
Fluent in English; an additional European language (French, Spanish, German, Italian, Dutch) is a strong plus.
A professional qualification such as ACII (or equivalent), or progress toward it, is preferred.
Who You Are
You are a technically strong and commercially minded underwriter who balances discipline and growth.
You are confident in broker‑facing environments, credible in committee discussions and comfortable making decisions on complex risks.
You combine analytical rigour with sound judgement, communicate clearly with technical and non‑technical stakeholders and can manage a significant portfolio with autonomy.
You thrive in a fast‑paced, international, technology‑led environment and bring a collaborative mindset when working with Pricing, Claims, Legal, Product and Distribution teams.
AI & Digital Mindset
Underwriting is increasingly supported by data, tooling and automation. In this role you will work in a structured, measurable and scalable way: using data to support underwriting decisions, improving monitoring practices and contributing to more robust and efficient underwriting frameworks.
Why Join Wakam
Opportunity to own a meaningful European fleet portfolio in a fast‑growing, technology‑driven insurer with a strong international footprint. You will agevolazioni from genuine underwriting autonomy, broad market exposure and close collaboration with actuarial, claims, product and distribution teams.
Key Performance Indicators
Fleet portfolio COR versus target
New business GWP written versus budget, by market and segment
Renewal retention across managed accounts
Pricing adequacy versus technical rate
Quote‑to‑bind conversion
Underwriting file quality / audit score
Broker relationship quality and responsiveness
Referrals handled within agreed SLA
Equal Employment Opportunity
At Wakam, we are committed to fostering an inclusive environment where diversity is celebrated. xlwpduy If you require any reasonable adjustments during the recruitment process, please feel free to reach out to your recruiter.
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