Johannesburg: Personal Lines Underwriter

Job Specification: Personal Lines Underwriter (Short-Term Insurance) Client: A Hominum Solutions partner (confidential) Location: Johannesburg North Start: ASAP About the Role Our client seeks a detail-driven Personal Lines Underwriter to underwrite and manage a portfolio of short-term insurance risks. Youll assess risk, price appropriately, and deliver a great broker/client experience while meeting regulatory and service standards. Key Responsibilities Underwrite new business, renewals, and endorsements within mandate. Analyse risk information, determine terms, apply loadings/exclusions, and set premiums. Prepare competitive quotes; negotiate with brokers/clients to close and retain business. Manage a personal portfolio to profitability targets (loss ratio, lapse/cancel rate). Conduct policy wording checks; ensure accurate documentation and timely issuance/binding. Perform renewals, re-rates, and cross-sell/upsell where appropriate. Uphold regulatory and internal compliance (FAIS/FSCA, TCF, POPIA, Binder/SLAs). Maintain meticulous records in policy admin/CRM systems and produce MI reports as needed. Collaborate closely with claims, finance, and broker support to resolve queries. Contribute underwriting insights to product and pricing improvements. Minimum Requirements Experience: 35 years personal lines underwriting in short-term insurance (insurer or UMA/broker with binder). Product Exposure: Motor, household/building, all-risks; valued items and high-net-worth exposure an advantage. Technical: Confident with policy admin systems and MS Office; comfortable working from rating guides and underwriting mandates. Qualifications: Matric/Grade 12 (required) FAIS Fit & Proper compliance for PL underwriting preferred (e.g., NQF4 Short-Term Insurance qualification/credits, RE5 , and Class of Business Personal Lines ). Regulatory: Sound understanding of TCF, POPIA, and Binder/Delegated Authority governance. Competencies: Analytical judgement, attention to detail, commercial mindset, negotiation & stakeholder management, written/oral communication, time management, teamwork, integrity. Success Metrics (KPIs) Portfolio loss ratio and retention within target. Quote-to-bind and turnaround time SLAs met. Accurate documentation and zero-defect audits/compliance checks. Positive broker/client feedback and reduced endorsements/rework. Whats on Offer Competitive market-related package (to be aligned with experience and qualifications). Opportunity to shape a quality, profitable book with a supportive leadership team. Career growth through training and exposure to complex risks. How to Apply Interested candidates can send their CV to