Sr Underwriter

Senior Underwriter Vehicle Protection & P&C

Optiom Inc. Driven by Aviva Calgary Alberta Full-Time Hybrid

THE OPPORTUNITY

Optioms vehicle protection suite vehicle replacement extended warranty mechanical tire and rim protection appearance protection and related ancillary products is distributed through more than 330 dealerships and 900 broker offices across Canada with over 600000 policies sold to date. Were looking for a Senior Underwriter to own risk assessment and adjudication across that entire product suite not just one line of business.

This role also carries in-house underwriting authority for property & casualty placements of standard and non-standard business and a mandate to market Lloyds open market business for the placement of risk. Youll accept reject endorse renew and cancel policies within our underwriting risk criteria and procedures contribute to the development and implementation of Lloyds binder agreements and build direct relationships with Lloyds partners brokers and other market stakeholders. Youll also mentor and train junior underwriting staff and help shape the workflows procedures and technology behind how we underwrite risk.

This is a hands-on role for someone who has spent real time on the automotive dealership side of the business understands how dealer principals and F&I managers think and is just as comfortable placing business in the Lloyds open market or defending a rating decision to a broker partner as they are mentoring a junior underwriter or presenting portfolio performance internally. Youll work closely with our VP Underwriting & Product Portfolio to shape underwriting standards for a specialty product suite at a company thats actively scaling its dealer and broker footprint.

WHO YOU ARE

You Bring

• Minimum 10 years of progressive property & casualty underwriting experience including direct hands-on underwriting of automobile dealership-related risk (vehicle extended warranty GAP tire and rim appearance protection or comparable F&I/ancillary vehicle protection products)
• Demonstrated ability to underwrite and manage a multi-product suite not just a single line with evidence of rating adjudicating and monitoring performance across several related products concurrently
• Direct experience holding or exercising in-house underwriting authority accepting rejecting endorsing renewing and cancelling policies for standard and non-standard P&C business within delegated criteria
• Direct experience underwriting or marketing business in the Lloyds of London market (open market placements and/or binding authority/binder business)
• Chartered Insurance Professional (CIP) designation
• Direct experience working with automotive dealer principals F&I departments or broker partners on risk submissions program design or claims-related underwriting matters
• Strong analytical skills with the ability to read loss ratio and claims trend data and translate it into underwriting action

Bonus Points For

• Fellow Chartered Insurance Professional (FCIP) designation
• Prior experience contributing to Lloyds binder development wording negotiation or other delegated authority agreement work
• Experience mentoring training or providing technical guidance to junior underwriting staff
• Experience underwriting within an MGA program administrator or specialty insurer environment
• Experience within an Aviva-affiliated bank-owned or other large-insurer-backed environment with familiarity operating under parent-company governance
• Familiarity with OMVIC-regulated dealership environments and F&I compliance considerations
• Bilingual (English/French)

WHO WE ARE

Optiom is a specialty MGA and a wholly owned subsidiary of Aviva Canada one of the countrys largest property and casualty insurers. We design and distribute specialty vehicle protection products through a national network of broker and dealer partners embedded at the point of vehicle financing and leasing.

Were a team of specialists who take pride in the discipline behind our products the underwriting the rating the claims data as much as the products themselves. Joining Optiom means joining a business with strong backing a clear purpose and real room to shape how we underwrite risk as we grow.

Optiom uses AI tools to assist with initial candidate screening. All final hiring decisions are made by our human hiring team.

Optiom Inc. Driven by Aviva

Required Experience:

Senior IC