Quality Audit Underwriter

About The Role

A variety of soft skills and experience may be required for the following role Please ensure you check the overview below carefully.
Team Strategic Underwriting - Life
Working Pattern - Remote/Home based.Full time, 37.5 hours per week.
We are happy to discuss flexible working!
Top 3 skills needed for this role Advanced Underwriting Expertise Deep knowledge of life, serious illness and income protection underwriting, with the ability to assess complex medical and financial risk accurately.
Audit & Analytical Capability Strong attention to detail with the ability to review automated decisions, identify trends in non-disclosure, and translate insights into meaningful improvements.
Stakeholder Collaboration & Influence Confidence working with underwriting, operational and automated underwriting teams to drive improvements, challenge processes and enhance overall quality standards.
What this role is all about:
At Vitality, this role sits at the heart of ensuring our life underwriting decisions truly reflect the needs of our members while maintaining the highest standards of accuracy and integrity. Youll play a key role in strengthening confidence in our automated underwriting engine by leading a robust post-issue audit programme, helping us better understand application disclosures and continuously improve outcomes. Alongside this, youll contribute to new business underwriting quality audits and support retrospective claim assessments, giving you broad exposure across underwriting and making a meaningful impact on how we evolve and enhance our approach. You will be a life underwriting expert who lives and breaths life insurance.
Key Actions Ensure a robust post-issue underwriting non-disclosure QA programme is in place, working with Operational colleagues; ensure post-issue communications are sound and evidence collation is appropriate.
Review monthly random and targeted samples of automated underwriting system decisions, completing findings on the post-issue audit log and issuing a monthly summary report.
Ascertain the non-disclosure rate of policies across each distribution channel, supporting training and development by identifying and reporting trends where non-disclosure can be improved.
Liaise with the Automated Underwriting Team to recommend improvements to question sets and/or underwriting philosophy, and suggest enhancements to data collection to maintain an effective audit process.
Report Operational Risks promptly to the Head of Underwriting Quality, discussing mitigation actions, and stay up to date with changes to underwriting philosophy, processes, systems, reinsurance manuals and internal guidelines.
Provide new business underwriting audits as required and support retrospective underwriting of claims.
What do you need to thrive? Experience at a senior underwriter level with in-depth medical and financial knowledge in respect of Life cover, Serious Illness and IncomeProtection. Familiar with concepts of a post issue underwriting QA.
Good working knowledge of regulatory procedures/requirements within the industry
Relevant life medical or underwriting qualifications

So, whats in it for you? Bonus Schemes A bonus that regularly rewards you for your performance
A pension of up to 12% We will match your contributions up to 6% of your salary
Our award-winning Vitality health insurance With its own set of rewards and benefits
Life Assurance Four times annual salary
These are just some of the many perks that we offer! To view the extensive range of benefits we offer, please visit our careers page. Fantastic Benefits. Exciting rewards. Great career opportunities!
If you are successfulin your application and join us at Vitality, this is our promise to you, w e will: Help you to be the healthiest youve ever been
Create an environment that embraces you as you are and enables you to be your best self
Give you flexibility on how, where and when you work
Help you advance your career by playing you to your strengths
Give you a voice to help our business grow and make Vitality a great place to be
Give you the space to try, fail and learn
Provide a healthy balance of challenge and support
Recognise and reward you with a competitive salary and amazing benefits
Be there for you when you need us
Provide opportunities for you to be a force for good in society
We commit to all these things because we want you to feel that you belong, and are supported to be happy and healthy.

About The Company
Were incredibly proud to be recognised for the culture we've created recently being named one of Glassdoors Best Places to Work 2026 , and in 2024 we were delighted to be awarded Top 10 Places to Work in the Sunday Times Awards.

Vitality is a multi-award-winning UK insurance brand, here to make the world a healthier, happier place.

Weve been a purpose and values-driven business from day 1- long before it became fashionable. Our core purpose is to make people healthier and enhance protect their lives. Vitality pioneered shared-value insurance. We incentivise people to live healthier longer lives they benefit, our business benefits, and society benefits. Were successful because we attract, develop, and retain the best people and because we care.

Plus, you get to join our 1.7+ million members with access to our unique health insurance and healthy living programme. Just to make sure you know our products inside and out.

Ready to find out if were the right fit for you? We cant wait.

If we are fortunate in receiving a high volume of quality applications we may need to close this vacancy early. xwzovoh If you are interested, please submit your application as soon as possible.