Digital Flow Underwriting Lead

Overview

Job Role: Digital Flow Underwriting Lead

Salary: £80,000 - £85,000 + 15% performance bonus

Working Location: Milton Keynes/London, Hybrid working, 2 days in office

Employment Type: Full Time, Permanent

Closing Date: 26th November 2026

Job summary:

As our Digital Flow Underwriting Lead, you'll play a key role in shaping how we use technology and automated decision-making across our underwriting operations. You'll own and develop our rules-led and AI-assisted underwriting processes, ensuring straightforward risks are assessed accurately, consistently and within our risk appetite. Working closely with underwriting, data and technology colleagues, you'll help improve automation, maintain decision quality and ensure more complex risks are referred to the right people at the right time.

What you’ll be doing:

• Own and maintain automated underwriting rules, ensuring they reflect our risk appetite, pricing and business requirements.
• Monitor automated decisions, identifying trends, exceptions and opportunities to improve accuracy and efficiency.
• Manage referral processes, ensuring risks outside automated criteria are escalated appropriately.
• Identify and address any issues with automated decision-making, taking action where quality or risk thresholds are not met.
• Work closely with data, technology and underwriting teams to test and implement improvements.
• Provide insights and management information to support better underwriting and portfolio decisions.

What we’re looking for:

• Experience in underwriting, risk decision-making or a similar environment.
• Experience designing, managing or monitoring rules-based or automated decision-making processes.
• Confidence translating underwriting policies and risk appetite into clear, practical and testable rules.
• Strong analytical skills, with the ability to identify patterns, investigate anomalies and improve decision quality.
• Experience working with technology or data teams to implement business rules and process improvements.
• The ability to influence and collaborate with stakeholders across different teams.

What we offer

Our benefits package includes:

• 27 days annual leave + bank holidays
• holiday purchase scheme
• enhanced pension scheme (up to 10.5%)
• life assurance
• subsidised private medical insurance
• employee discounts platform
• two days volunteer leave
• enhanced maternity, paternity, adoption leave and pay for all new parents

+ many more!

Who we are

At NHBC, we pride ourselves on being truly unique. No other organisation in our sector matches the range of services and scale we provide. As the market leader, we are recognised as the go-to for new home warranties and insurance. Our team is united by a core purpose: to raise the standards of house building and protect homeowners.

Why you should join us

As a modern, family-friendly employer, we’re in a phase of rapid growth, embracing technology, data and new ways of working. We’re seeking passionate, skilled and driven individuals to join us on this exciting journey.

Once onboard, you’ll have access to fantastic opportunities for personal and career growth. You’ll receive thorough training, continuous development and the chance to earn recognised qualifications and professional memberships to support your journey.

We support flexible working and encourage our colleagues to find a balance that suits them. While we may not be able to accommodate every request, we’re always happy to have a conversation about flexible working arrangements.

Our inclusive culture

We are dedicated to fostering an inclusive culture where everyone feels empowered to bring their authentic selves to work. We firmly believe in the right of all our employees and customers to be treated fairly, with dignity and respect, and free from discrimination. Our active employee networks support colleagues and their allies, providing safe spaces for open conversations and idea-sharing.

We are a Disability Confident organisation committed to fair and inclusive recruitment. Our first step is to review applications to ensure candidates meet the essential criteria for the role. We assess skills, experience, and potential objectively, and provide support or reasonable adjustments where needed. Candidates who meet the criteria will progress to the next stage.

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