Trade Credit Underwriter

At RSA Europe our purpose is to help people, businesses, and society prosper in good times and be resilient in bad times. We have offices in France, Spain, Belgium and the Netherlands, where we’ve embraced hybrid working and empower our 250 plus people to work flexibly in their country of employment to suit their needs and those of our customers. Our customers benefit from the diverse perspectives of our teams that serve them, solving complex problems with creative ideas.We are proud to be part of Intact Financial Corporation (https://www.intactfc.com/), Canada’s largest provider of property and casualty insurance and the 12th largest property and casualty firm worldwide, with a market capitalization of approximately $50 billion CAD (~£25 billion GBP) and a global workforce of 31,000 employees across 350 offices.Our Global Specialty Lines division plays a central role in Intact’s long-term strategy. With 3,500 professionals dedicated to more than 20 niche segments, we operate across North America, the UK, and Europe, and benefit from a strong international network covering over 150 territories.Since 2017, GSL has tripled in size and now has access to a $460 billion global specialty lines market. Currently, GSL is at $6 billion DPW and in our strategic roadmap, we laid out GSL growth and profitability ambitions for the long term to reach $10 billion in operating DPW by 2030, performing at a sub-90 operating combined ratio.Nearly 90% of brokers recognize us as a trusted partner, valuing our specialized expertise, simplified multinational programs, local market knowledge, and reliable claims handling.We want you to succeed with us and grow with us – and we’ll give you the tools, flexibility and learning opportunities you need to do it.Our Core BeliefPeople are at the heart of our organisation – and of our success. How we do things is just as important as what we achieve. We are a purpose-driven company based on values and a belief that insurance is about people, not things.Culture and CommunityOur Values guide our decision-making, keep us grounded, help us outperform and are key to our success. Our values are – Integrity, Respect, Customer-driven, Excellence, andGenerosity. We provide an open and honest workplace – where everybody contributes, and every view is listened-to and respected.Social ImpactOur customers are our advocates. Insurance is about people, and helping people be resilient in bad times is the reason we’re here. It’s also why being Customer-driven is one of our Values.Our people are engaged. Our people are central to our success. That’s why we invest in the well-being and development of our employees and create an environment where they can be resilient and thrive.Being a most respected company is about financial outperformance and helping society. Building resilient communities speaks to our purpose and builds on over a decade of investment and leadership.So, if you are looking to take the next step in your career, work with the best in the business, and open a door of opportunity, contact us todayJob description:We are seeking an experienced and motivated Trade Credit Underwriter to join our dynamic team. The ideal candidate will have a strong background in credit analysis, analytical thinking, excellent decision making-skills and the ability to manage a diverse portfolio.As a Trade Credit Underwriter, you will play a critical role in assessing and mitigating risks while fostering strong relationships with clients, brokers and European and North America Intact management team.Key Responsibilities:Evaluate new and existing credit applications to determine risk levels and provide management with recommendations in line with company policies and Risk appetite.Collaborate with the risk management team to develop and implement underwriting strategies and guidelines for the European Market.Monitor and review existing policies to ensure compliance with company standards, risk appetite and industry regulations.Prepare detailed reports and presentations on exposure level for the European market for management review and approval.Stay informed of industry trends, economic conditions, and regulatory changes that may impact credit risk in European market.Provide guidance and support to junior underwriters and contribute to ongoing training and development.Represent the company at senior industry functions and marketing events, enhancing the company's profile.Recommend and implement process improvements within the department to streamline operations.Oversee policy transactions, ensuring accuracy and compliance, including renewals, endorsements, and cancellations.Develop strategic correspondence and communication for high-value brokers and clients.Qualifications You Bring:Bachelor’s degree in finance, economics, or related field; a Master’s degree or professional certification (e.g., CFA, CPA) is a strong asset.Minimum of 5 years' experience in trade credit risk analysis or a similar role.Strong expertise in Excel and other analytical tools.Demonstrated ability to lead and motivate a team, with excellent managerial skills.Proven track record in developing and maintaining excellent relationships with industry stakeholders.Expertise in current market and business trends impacting the industry.Personal Attributes:Exceptional analytical and problem-solving skills.Proactive and capable of working independently under pressure.Excellent communication and collaboration skills, with a strong team orientation.Commitment to delivering high-quality work and continuous improvement.RSA Luxembourg SA (RSAL) is committed to ensuring that your privacy is protected, as the data controller, we take the necessary measures to ensure the security and confidentiality of the personal information it holds or processes in compliance with the General Data Protection Regulation (EU) of 27 April 2016 ("GDPR"), Loi n° 2018-493 du 20 juin 2018, relative à la protection des données personnelles and rest of related data protection regulations. The data you provide will be processed as part of our candidate selection process. The legal basis for this processing is our legitimate interest in considering your application. Unless you object, your CV will be kept for two years after our last contact with you. We may kept your data for the duration of the employment contract in the event of recruitment. Once your employment has ceased, your personal data will be only retained for as long as is necessary to satisfy any legal, accounting or reporting obligations. Intact Group companies and third-party partners may be recipients of your personal data when required. Sometimes your personal information may be sent to other parties outside of the European Economic Area (EEA) in connection with the purposes set out above. We will take all reasonable steps to ensure that your personal information is treated securely and in compliance with data protection regulations. In accordance with data protection laws, you have the right to access and obtain a copy of the data concerning you, object to the processing, have it rectified or deleted. All you have to do is write to the RSAL Data Protection Officer to the following address RSA Luxembourg, S.A. Edif. Torre Europa, Pº de la Castellana, 95 – Planta 19 28046 Madrid (SPAIN) or send an email to the following address RSA.DP@eu.rsagroup.com. We will ask you to confirm your identity if we need to, we have one month from receiving your request to tell you what action we have taken.