Technical Underwriting Analyst

Job Description

Serving our customers, communities, and planet a little better every day.

Starting Salary from £33,040+ benefitsLocation: Reigate or Southampton Office, Blended Office Attendance: Our roles are hybrid once training is completed; however, you should be able to travel to the Reigate or Southampton office 2 days per week for this position Closing Date: 25th February 2026 cop.
We deal in the personal – from pet insurance for your best friend, and home insurance for peace of mind, to motor insurance for your dream car or travel money for that trip you’ve worked hard for. And that means we always work with heart. Whether we’re helping our customers or looking after our people, you’ll find there’s a warmth and friendliness to everything we do.
Opportunity
This is an exciting opportunity for 2 x Technical Underwriting Analysts to join our Underwriting team in Reigate or Southampton (Home and Motor team). You’ll support the Underwriting team in delivering the personal lines strategy for Tesco Underwriting to achieve agreed growth and profitability objectives by providing underwriters with clear, data driven insights.
You’ll be responsible for producing clear, accurate, relevant analysis; developing enhanced management information, analytical techniques and underwriting models; and ensuring underwriting rules are correctly applied through robust testing and validation frameworks.
The Role
• Gather, clean and validate underwriting data from multiple sources, ensuring accuracy, completeness and readiness for analysis and reporting. • Conduct detailed analysis of underwriting data to identify trends, correlations and emerging risks. • Develop and refine predictive models and scoring frameworks in collaboration with pricing teams. • Own data integrity checks and implement controls to ensure accuracy across underwriting processes. • Recommend and drive improvements in data collection, data quality and governance standards. • Design and deliver dashboards and reports and visualisations for underwriters and senior management. • Translate complex analytical findings into clear, actionable recommendations. • Lead initiatives to automate data workflows and increase operational efficiency within underwriting. • Document and standardise analytical processes to support scalability and reproducibility. • Liaise between underwriting, pricing & data teams to align on data needs, priorities and strategic objectives. • Present technical findings to non-technical stakeholders in a clear, concise and engaging way. • Perform portfolio-level risk assessments and monitor performance against underwriting guidelines and targets. • Provide data insight to support decisions on risk appetite, product enhancements and strategic development. • Ensure all data analysis, reporting and model development comply with regulatory requirements and internal standards.
We need you to have
• Strong ability to analyse large datasets, identify trends and extract actionable insights. • Expertise in validating, cleaning and maintaining high standards of data integrity. • Strong problem-solving abilities with a logical data-driven approach to recommendations. • Ability to present complex data and insights clearly and concisely. • High level of accuracy in data handling, analysis and reporting. • Proficiency in tools such as SAS (preferrable). Advanced Excel (preferred), SQL, Python, and R. • Experience with Power BI for dashboard and reporting development. • Clear, confident and effective verbal and written communication skills. • Strong organisational skills with the ability to prioritise tasks and manage multiple deadlines.
What’s in it for you?
• Prepare for your retirement with our colleague pension scheme. • Virtual GP Service for you and your family 365 days a year. Plus Critical Illness cover. • Performance related annual bonus. • Indulge in a generous holiday allowance with a minimum of 7.2 weeks, with the opportunity to buy more. • Embrace the benefits of our Colleague Clubcard, enjoy a 10% discount that increase to 15% every payday (worth up to £2K). As an added perk, we’ll give you a second card to share with someone else. • Access to Green Car Leasing Scheme. • Benefit from our family-oriented initiatives, encompassing enhanced maternity leave pay, a shared parental leave policy, and a generous 8-week paid paternity leave. • Take part in our Buy as you Earn and Save as you Earn share schemes.
Everyone’s welcome
We want all our colleagues to always feel welcome and be themselves. We’re committed to building a more inclusive workplace and celebrating everything that makes colleagues unique, and value the richness and diversity this brings to our business. A more diverse business helps us deliver on our purpose to serve our customers, communities, and planet a little better every day.
Additional Information
We also know the importance of balancing work with life’s other commitments. Please talk to us at interview about the flexibility you need, as we’re committed to exploring part time and flexible working opportunities, at every level of the organisation.
Interviews
Interviews are expected to be from February 2026.

Why Tesco Insurance and Money Services?

Seeing your impact all around you: there's no better feeling.

Lucky for us, we get to feel it all the time. Because whatever our role, we're helping our colleagues and serving our customers, communities and planet a little better every day.

We deal in the personal – from pet insurance for your best friend, and home insurance for peace of mind, to motor insurance for your dream car or travel money for that trip you’ve worked hard for.

Everything we do is about making things better. Not just for others, but for you too. It's why you'll get bags of choice and plenty of development. It's why you'll always be heard and find balance that works for you. It's why you'll feel totally at home in a place where everyone's welcome.

So, if you want a career where you can do good and feel good, you've found it.

Let's make everyday a little better.

Our story

Making Insurance and Money Services more rewarding and offering great value and choice - because we know little wins can make a big difference.

We began life in 1997 and now help more than 2 million customers protect what matters to them.

We want to deliver a helpful service in everything we do and to make life easier for our customers. Our policies are really easy to manage online for our customers, but we know that being able to speak to our customer service staff when you need to is really important. This is why our customer service centers are open seven days a week.

Delivering great customer service means having great people behind the scenes – people who understand our customers and are driven by doing the right thing for them. We offer colleagues a place where they can feel totally at home in a place where everyone's welcome, where they can be part of a great team focused on making a real difference for our customers.

How to apply

We value our people and diverse teams and believe the variety of backgrounds and experiences make us stronger to achieve our goals.

Our colleagues are working hybrid, taking time to meet with colleagues in our offices for moments that matter, such as team catch ups, planning meetings and more. If you’re interested in finding out more about what a career at Tesco Insurance and Money Services looks like, click apply to find out more!