Hiscox Portfolio Underwriting Graduate

**Why Hiscox?**

Hiscox is a leading, internationally recognised brand in the insurance industry. Listed on the London Stock Exchange and headquartered in Bermuda, we currently have over 3,000 staff across 14 countries and 35 offices.

Hiscox Europe is a key part of the Hiscox group and consists of Hiscox Germany, Benelux and Iberia, Hiscox France and Hiscox Ireland. Hiscox Europe provides personal lines cover, including high-value household, fine art and classic cars; as well as commercial insurance for small and medium sized businesses.

In France, Hiscox Assurances relies on the expertise of approximately 140 employees spread between Paris, Bordeaux, Lyon, Marseille and Lisbon. Hiscox’s specialist insurance products are offered through three distribution channels (Brokerage, Direct and Partnerships). This organization reflects Hiscox’s desire to place customer needs at the center of its development by offering a multi-channel approach. Our customers are individuals, small to large multinational companies, as well as professionals and communities. Thanks to our precise knowledge of the French market, we are able to offer tailor made products covering high value household goods, special risks, professional indemnity, and Directors and Officers liability insurance.

United by our unique Hiscox culture and shaped by values such as integrity, ownership and courage, we’re all human here. We want everyone who works here to be comfortable being themselves, take opportunities to thrive in their careers and fulfil their aspirations whatever their background or way they choose to live their lives.

**The Underwriting function at a glance**:
Underwriting is about risk analysis and selection, management, trading, creativity and innovation. At Hiscox, underwriters use judgement, skill and experience to assess, accept or decline risks in line with our underwriting philosophy. They offer flexible and attractive underwriting solutions to customers, partners and brokers, and undertake account and performance analysis for lines of business and brokers or partners to ensure profitability. Our underwriting community is spread across a variety of product lines and areas of specialism. Underwriting is a great place to start your career in the insurance industry and now is a great time to join Hiscox France, as we experience lots of growth.

Portfolio underwriting is the discipline of checking trends and behaviour of the different portfolios to ensure they develop in the expected manner. It helps alert and propose / evaluate and quantify solutions in case of derivation from the expected results.

**As a Portfolio Underwriting Graduate, you can expect to**:

- Work on portfolio data, check data accuracy consistency and re-liability to build the right data sets and files to be able to study it and lead analytical studies with them.
- Conduct account and performance analysis for various lines of business and brokers or partners to ensure profitability
- Sum up the insight from those studies and the decision proposition in a way that is efficient and relevant and leads to consensus on the action to take
- Propose and develop relevant underwriting solutions to improve or fix profitability issue and evaluate their impact
- Collaborate with head of products and underwriters
- Participate in two 3-month secondments in different European locations.
- Work on a variety of product lines and areas of specialism, contributing to the evolution of product offerings and underwriting strategy for small businesses1.
- Join a growing team at Hiscox France and start your career in the insurance industry, making tangible contributions from day one.
- Communicate effectively with a diverse range of individuals, with the drive to partner with key stakeholders across the business.

**Your Secondments Explained**:
In addition to your core role, you’ll take on two secondments in different European locations - each secondment is three months long and we anticipate that one will be in our Lisbon office.

Secondments enable you to develop a broader set of skills by experiencing a different role, as well as developing your understanding of our wider business by experiencing work in a different European location.

**Is this opportunity for you?**
- Are you studying or have studied an analytical or insurance-related degree at Master's level?
- Are you someone who is curious with an eagerness to learn and try new things?
- Are you proactive with the ability to make informed, commercial decisions in a fast-paced, changing environment?
- Do our core values (Courage, Ownership, Human, Connected, Integrity) resonate with you?
- Can you demonstrate strong analytical skills as well as the ability to build strong interpersonal relationships?
- Are you able to communicate effectively with a diverse range of individuals, with the drive to partner with key stakeholders across the business?
- Do you have the courage to ask questions, challenge the way things are done and