Hoxton Insurance Services is a Insure-tech, mid to high net-worth MGA, with capacity provided by Hiscox. Hoxton’s goal is to provide a fully digital, frictionless “quote to bind” solution for Brokers. Responsibilities:• Accountable for the full development & operation of an integrated technology solution which has produced a highly automated underwriting model with 80% automated quotes <£1m rebuild• Led the offshore Third Party development, testing and support partner of over 30 FTE inc. SLA, KPI and performance management• Established an autonomous, fit for purpose, agile DevOps model for all Technology change• Balanced the workload of the partner for both Technology incidents and new or emerging requirements• Defined and governed the implementation of new regulatory changes• Managed the relationship with compliance, risk and finance• Monitoring performance of the Product through the use of real time data to increase conversion, reduce exposure and ensure a balanced, segmented book of business• Developed aggregated data sources to increase automation and reduce question set• Managed Broker engagement, ensuring feedback into future development releases • Challenged the existing comparable market leading Products by removing unnecessary coverage to improve rating and increase conversion whilst ensuring Treating Customers Fairly • Identifying potential breaches through effective testing & quality assurance• Defined the Underwriting rules to enable a fully digital experience• Led binder negotiation with capacity providers

Responsibilities:• Reviewing Broker & Product performance, identifying risk factors/ perils to aid underwriting and stimulate broker growth.• Reviewing underwriting rules to ensure that the product is built to target set footprint.• Support fraud prevention through proactive engagement with Anti-Fraud and Claims department’s inc. ensuring current rules/capstones are appropriate.• Working with Technical Underwriting to review policy terms to identify areas for improvement• Present Broker & Product recommendations with supporting Management Information to the Pricing Committee for approval (100% approval)• Reviewing Pricing amendments to ensure out-of-sync amendments are impact assessed before implementation.• Amend the Product rate book to reflect changes.• Preparing the Rate Book for Product Delivery to amend on the Underwriting Software Houses (inc. Polaris, CDL, OGI)• Liaising with other departments to understand any impact on underwriting department.• For instances of large loss, review perils to understand any areas of exposure.• Using various underwriting tools, (inc. SAS, cubes) to monitor and analyse product performance. Key Achievements:• Led a project to improve operational efficiencies inc. consolidating all historical pricing and underwriting decisions, establishing a process to ensure all future decisions are captured centrally• Nominated as Employee Engagement Champion for Underwriting• Member of the 2018 LV= Olympic Team (5km)

• Monitoring and reporting on key broker performance with specific ownership over 15 brokers• Monitoring and resolution of inbound queries from brokers.• Developing a trusted partnership with brokers to generate increased revenue.• Analysing, reporting and presenting scheme changes to the pricing committee.• Departmental representative on the MID committee.• Daily reporting of broker MID performance and reporting to the head of compliance on any risk governance.• Devising and producing reports on coverholder scheme performance with recommendations on potential improvement to Loss Ratio.• Completing of monthly broker quality controls/audits to ensure that brokers are complying with coverholder agreements and regulations.• Underwriting of bespoke risks.• Monitoring and reporting of claims MI and proposing of changes.• Understandings the peril of large losses to implement scheme change.• Working with other departments to identify trends which could impact underwriting performance within other sectors.• Member of Data Enrichment Committee

• Understanding the demands and needs of prospective customers and providing them with tailored quotations• Processing and setting up of new business and renewal polices and also midterm adjustments.• Providing excellent customer service to clients both face-to-face and over the telephone• Complying and understanding of FCA regulations

As Freeway Insurance were coverholders, insurers would provide them with monetary capacity and then would then create schemes on behalf of the insurer. Responsibilities:• To monitor market conditions and provide feedback and propose changes to the board of directors.• Analysing of business performance – e.g. Claims loss ratios• Producing and reporting of changes to schemes.• Named on binding coverholder guides to apply discounts and authorise delegates rates – discounted ranging from 10% - 20% off technical rate depending on the insurer.• To attend weekly meetings with the head of in house underwriting to discuss tends and potential threats to the business.• Responsible for monitoring and devising plans to ensure that renewal retention for all classes of business was above 70%.• Analysing and reporting of customer complaints to identify areas of weakness and to improve customer experience.• Conducting individual evaluations with sales team on a monthly basis• Providing training on new products, areas of weakness and developing knowledge of other members of staff.• Sourcing of new products to meet the needs of new and existing customer.• Reinforcing corporate ethos though out of the department.• Ensuring that the principles of treating customers fairly are embedded within the companies culture.• Leading daily buzz meetings and managing targets to ensure that business objectives are achieved• Completing employee feedback forms