Description

I’m a senior insurance underwriting and portfolio specialist with 20+ years of experience across motor, pet and gadget insurance. I help insurers, MGAs and brokers improve underwriting performance, pricing strategy, portfolio profitability and reporting through a commercial, data-driven approach.

My background includes underwriting strategy, portfolio management, risk analysis, pricing oversight, broker and distribution relationships, MI/dashboard creation, Excel modelling and operational improvement. I’m highly experienced in identifying loss trends, segment opportunities, pricing leakage and growth optimisation while balancing fair customer outcomes and commercial performance.

I can help with:

• Insurance portfolio analysis

• Underwriting audits and reviews

• Excel dashboards and reporting

• Pricing and profitability analysis

• Loss ratio / COR analysis

• Data interpretation and business insight

• Product and underwriting strategy

• Process improvement

• Market and competitor analysis

• Insurance consulting projects

• KPI/KRI reporting

• PowerPoint presentations and executive summaries

I’m particularly strong at turning complex data into clear commercial recommendations for leadership teams. I combine technical understanding with practical business experience and can quickly deliver structured, actionable insight.

Keywords: Insurance, Underwriting, Portfolio Management, Pricing, Risk Management, Excel, Dashboard, MI Reporting, Data Analysis, Insurance Consulting, Motor Insurance, Pet Insurance, Product Strategy, Commercial Analysis, KPI Reporting, Business Intelligence, MGA, Broker, Combined Ratio, Loss Ratio, Pricing Strategy

Industry field of expertise

Languages

English
Native or bilingual

Workplace preferences

Can work on-site

London (up to 50km)

Independent Consultant
Independent Insurance Consultant
CONSULTING AND AUDITS
January 2026 - Today (5 months)
London, United Kingdom
Independent insurance consultant specialising in underwriting, portfolio management, profitability analysis and Excel-based business intelligence.

I help insurers, MGAs and brokers improve portfolio performance through data analysis, reporting, market insight and commercial recommendations.

Areas of expertise include pet insurance, motor insurance, pricing performance, underwriting strategy, portfolio reviews, forecasting and management information.
insurance Portfolio Management Analytics Data analysis
ERGO TIS
Underwriting Manager
January 2025 - December 2025 (11 months)
Managed a £50m+ Pet and Gadget insurance portfolio at ERGO TIS, using MI and performance reporting to monitor profitability, KPIs, and emerging trends.
Produced and interpreted underwriting and portfolio MI to support pricing reviews, governance, and data-driven decision-making aligned to budget and risk appetite.
Applied analytical insight to inform product development and optimisation, balancing competitive pricing, sustainable growth, and regulatory compliance. Presented clear, actionable performance analysis to senior stakeholders and mentored an Underwriter to build capability in MI usage and analytical thinking.
Data analysis Underwriting Pet Insurance Microsoft Excel Pivot Tables
esure
Portfolio Underwriter
March 2024 - December 2024 (9 months)
Managed the performance and profitability of Additional Services Revenue (ASR) portfolios across Home and Motor, using data-led analysis to support product reviews, pricing, governance, and rating decisions for products including Breakdown, Home Emergency, and Motor Legal Protection.
Carried out detailed data analysis using SQL and Microsoft Excel to interrogate sales, conversion, and claims data, supporting insight generation, performance tracking, and identification of risks and opportunities across ASR products. Used Databricks as a core data platform to access, manipulate, and analyse large datasets, enabling efficient segmentation and more scalable reporting aligned to business and regulatory needs.
Built and maintained dashboards and visualisations in Tableau, presenting clear, actionable insights on portfolio performance, customer behaviour, and product outcomes to a range of technical and non-technical stakeholders.
Supported improvements to customer experience and commercial performance through A/B testing of sales journeys, working with third-party UX specialists and analysing results using tools such as Mixpanel to assess behavioural impact.
Managed workstreams and analytical delivery through Jira, collaborating closely with data engineering, product, and UX teams to prioritise tasks, track progress, and deliver continuous improvement.
Portfolio Management