LV=
Hitchin, Hertfordshire
About The Role We have an exciting opportunity for a commercial and innovative individual to join us as our Head of Wealth Proposition in the LV= Wealth team. The role will be based out of either Bournemouth/Hitchin office or flexible/hybrid working pattern. The Head of Proposition is a pivotal, leadership role at the heart of LV's Wealth strategy. You will shape, steer and continually evolve our Platform, Investment Funds, Products and Annuity propositions-ensuring they deliver outstanding value for our members, meet the real needs of well defined target customers, and empower financial advisers with compelling, competitive solutions. You will shape and propel a proposition portfolio designed to be resilient, profitable and future ready, ensuring it advances LV='s long term vision. Success requires collaboration across Pricing, Marketing, Distribution, Customer Service, Finance, Risk and more-alongside close partnership with financial advisers, consolidators and technology providers-mobilising senior stakeholders around a clear roadmap, strong commercial insight and a disciplined approach to risk and governance. Your leadership will ensure our propositions don't just meet expectations but remain competitive and compelling in the market. Key Responsibilities Create and deliver the Wealth proposition strategy and transformation roadmap, identifying opportunities, shaping initiatives and securing business and financial backing needed to deliver them. Applying market intelligence, regulatory insight and adviser and customer research to ensure LV= propositions remain relevant and evolve. Drive high-quality change outcomes, translating strategic thinking into tangible results. As a key proposition subject matter expert, act as a highly effective communicator and proposition champion, able to convey the value of the propositions internally. Lead external relationship management and commercial negotiations with business partners, suppliers, trade bodies industry forums PR and lobbying. Lead an effective risk and governance oversight of all open and closed wealth propositions by systematically making objective assessment of their performance and suitability. Ensure the propositions deliver on customer outcomes, LV= risk appetite, commercial targets and strategic priorities. Ensure the management of decisions and risks are within LVFS appetite supported by timely and accurate reporting, including through to the relevant LV Management Committees, Supervisory Boards and Accountable Persons. Provide role model leadership for managing, motivating and developing a diverse and inclusive proposition team that consistently operates to, and delivers high standards of customer, enterprise, risk & performance culture. About You Strategic proposition leadership - demonstrable experience of ability to interpret industry shifts, adviser behaviour and customer trends to shape relevant strategies that deliver good proposition outcomes for advisers, customers and deliver meaningful commercial impact Customer focus - proven capability to understand the needs and perspectives of customers and advisers, using these insights to shape clear, actionable direction Strong knowledge of the Wealth financial services market - understanding how advisers place business, how platforms and products interact and engage with propositions and the technical, regulatory, financial and risk framework that underpin successful proposition design and delivery Commercially delivery focused - able to demonstrate how value is generated through the value chain and drives the impact changes can make to strengthen commercial performance and deliver measurable bottom-line results Influential communicator - confident and adept at stakeholder management and relationship building, able to work collaboratively across the internal and external organisation(s) and hold others to account for their delivery responsibilities Role model leader - capability to empower teams and adapt between leading from the front and collaborating as part of a wider cross-functional team Innovative - contribute fresh thinking, articulate ideas and decisions that influence practical value-add improvements that advance our proposition set Rewards and Benefits This role is a Band C in the LV= Structure. At LV= Savings and Retirement, you'll go above and beyond to do the right thing for our customers. We'll reward your hard work with an attractive, competitive salary and benefits package, which includes: 30 days' holiday, with the option to buy up to 2 additional days Competitive pension scheme - LV= Life and Pensions will double-match the amount you pay, up to 14% (subject to National Minimum Wage requirements) An annual bonus scheme based on personal performance Single-cover private medical insurance (with the option for you to upgrade to family cover) Flexible benefits, including a cycle to work scheme, personal accident insurance, critical illness cover and dental insurance Up to 20% discount on our life products for you and your immediate family A group life assurance policy with 4 x your basic pay to go to your dependents (you'll have the option to increase to 8 x cover) Group Income Protection (if you become a member of the Pension scheme and reach 5 years of service) Access to our Employee Assistance Programme (EAP) for support when you need it A virtual GP service Shared parental leave. Please note all salary sacrifice benefits are subject to National Minimum Wage requirements i.e. you are unable to select any benefits that would reduce your base pay below the minimum wage threshold. Please note that we are unable to offer Skilled Worker Visa Sponsorship for this role. Therefore, you must ensure that you are eligible to work in the UK without our sponsorship for your application to be considered. About Us We're proud of our inclusive culture at LV= and, as an equal-opportunity employer, we continually work to remove unconscious bias from our recruitment process. We value our colleagues for what they bring to our team regardless of any protected status or characteristics they may have. Talk to us about flexible working as part of your application; if it's right for you, our members and customers, and our business, then we'll do everything we can to make it happen.
About The Role We have an exciting opportunity for a commercial and innovative individual to join us as our Head of Wealth Proposition in the LV= Wealth team. The role will be based out of either Bournemouth/Hitchin office or flexible/hybrid working pattern. The Head of Proposition is a pivotal, leadership role at the heart of LV's Wealth strategy. You will shape, steer and continually evolve our Platform, Investment Funds, Products and Annuity propositions-ensuring they deliver outstanding value for our members, meet the real needs of well defined target customers, and empower financial advisers with compelling, competitive solutions. You will shape and propel a proposition portfolio designed to be resilient, profitable and future ready, ensuring it advances LV='s long term vision. Success requires collaboration across Pricing, Marketing, Distribution, Customer Service, Finance, Risk and more-alongside close partnership with financial advisers, consolidators and technology providers-mobilising senior stakeholders around a clear roadmap, strong commercial insight and a disciplined approach to risk and governance. Your leadership will ensure our propositions don't just meet expectations but remain competitive and compelling in the market. Key Responsibilities Create and deliver the Wealth proposition strategy and transformation roadmap, identifying opportunities, shaping initiatives and securing business and financial backing needed to deliver them. Applying market intelligence, regulatory insight and adviser and customer research to ensure LV= propositions remain relevant and evolve. Drive high-quality change outcomes, translating strategic thinking into tangible results. As a key proposition subject matter expert, act as a highly effective communicator and proposition champion, able to convey the value of the propositions internally. Lead external relationship management and commercial negotiations with business partners, suppliers, trade bodies industry forums PR and lobbying. Lead an effective risk and governance oversight of all open and closed wealth propositions by systematically making objective assessment of their performance and suitability. Ensure the propositions deliver on customer outcomes, LV= risk appetite, commercial targets and strategic priorities. Ensure the management of decisions and risks are within LVFS appetite supported by timely and accurate reporting, including through to the relevant LV Management Committees, Supervisory Boards and Accountable Persons. Provide role model leadership for managing, motivating and developing a diverse and inclusive proposition team that consistently operates to, and delivers high standards of customer, enterprise, risk & performance culture. About You Strategic proposition leadership - demonstrable experience of ability to interpret industry shifts, adviser behaviour and customer trends to shape relevant strategies that deliver good proposition outcomes for advisers, customers and deliver meaningful commercial impact Customer focus - proven capability to understand the needs and perspectives of customers and advisers, using these insights to shape clear, actionable direction Strong knowledge of the Wealth financial services market - understanding how advisers place business, how platforms and products interact and engage with propositions and the technical, regulatory, financial and risk framework that underpin successful proposition design and delivery Commercially delivery focused - able to demonstrate how value is generated through the value chain and drives the impact changes can make to strengthen commercial performance and deliver measurable bottom-line results Influential communicator - confident and adept at stakeholder management and relationship building, able to work collaboratively across the internal and external organisation(s) and hold others to account for their delivery responsibilities Role model leader - capability to empower teams and adapt between leading from the front and collaborating as part of a wider cross-functional team Innovative - contribute fresh thinking, articulate ideas and decisions that influence practical value-add improvements that advance our proposition set Rewards and Benefits This role is a Band C in the LV= Structure. At LV= Savings and Retirement, you'll go above and beyond to do the right thing for our customers. We'll reward your hard work with an attractive, competitive salary and benefits package, which includes: 30 days' holiday, with the option to buy up to 2 additional days Competitive pension scheme - LV= Life and Pensions will double-match the amount you pay, up to 14% (subject to National Minimum Wage requirements) An annual bonus scheme based on personal performance Single-cover private medical insurance (with the option for you to upgrade to family cover) Flexible benefits, including a cycle to work scheme, personal accident insurance, critical illness cover and dental insurance Up to 20% discount on our life products for you and your immediate family A group life assurance policy with 4 x your basic pay to go to your dependents (you'll have the option to increase to 8 x cover) Group Income Protection (if you become a member of the Pension scheme and reach 5 years of service) Access to our Employee Assistance Programme (EAP) for support when you need it A virtual GP service Shared parental leave. Please note all salary sacrifice benefits are subject to National Minimum Wage requirements i.e. you are unable to select any benefits that would reduce your base pay below the minimum wage threshold. Please note that we are unable to offer Skilled Worker Visa Sponsorship for this role. Therefore, you must ensure that you are eligible to work in the UK without our sponsorship for your application to be considered. About Us We're proud of our inclusive culture at LV= and, as an equal-opportunity employer, we continually work to remove unconscious bias from our recruitment process. We value our colleagues for what they bring to our team regardless of any protected status or characteristics they may have. Talk to us about flexible working as part of your application; if it's right for you, our members and customers, and our business, then we'll do everything we can to make it happen.
LV=
Bournemouth, Dorset
About The Role We are excited to announce a wonderful opportunity for two underwriting professionals to join LV= as Senior Life Underwriters. You'll efficiently underwrite new business applications for life, critical illness and income protection insurance on appropriate terms, based on risk factors presented in applications. You will make fair and balanced decisions using relevant evidence, and by gathering further information for additional clarity where required. About You Our ideal candidates will Be experienced underwriting professionals with a good understanding of life and income protection products. Demonstrate strong proof-reading skills, with a keen eye for detail. Be knowledgeable and efficient decision-makers, with a passion for delivering an excellent customer experience. Showcase strong administration and organisational skills, with the ability to prioritise workload effectively. Maintain an awareness of the wider market and competitors' products. Be adept at using Microsoft Office programmes such as Word, Excel, PowerPoint and Outlook. Consistently demonstrate excellent communication skills, with the ability to deliver information in a clear, concise manner, and with patience and empathy. Comfortably work and manage workload independently, while also supporting colleagues and the wider team with achieving mutual goals. Key Responsibilities Assessing new business applications and making underwriting decisions within risk appetite and the underwriting philosophy. Providing fair, balanced decisions using appropriate evidence, in an efficient, customer-focused manner. Providing clear and robust justification of decisions where required, and referring cases to third parties, including CMO and re-assurers accurately. Building and maintaining strong working relationships with colleagues, customers and intermediaries. Contributing ideas for continuous improvement of operational processes, and aiding the resourcing of the department, thus enabling KPI's to be met. S suggesting ideas to improve the overall customer journey. Obtaining ongoing CPD by self-education, attending training seminars, industry events and providing feedback to colleagues and business areas as required. Providing coaching, support and feedback to other members of the team where required, including quality checking, in a positive manner. Supporting on projects and testing where needed, to assist with business change plans. Partaking in the investigation of underwriting rules development/claims industry best practice, including analysis of MI where required. Acting as a strong representative on projects, including product initiatives and service improvements to drive the business forward. Rewards & Benefits This role is a Band B in the LV= salary structure. This role is subject to National Minimum Wage requirements for salary sacrifice benefits. At LV= Life and Pensions, you'll go above and beyond to do the right thing for our customers. We'll reward your hard work with an attractive, competitive salary and benefits package, which includes: 26 days' holiday - increasing after two years of service to 28 days The opportunity to buy or sell up to five days of holiday An annual bonus scheme based on company and personal performance Flexible benefits, including a cycle to work scheme, personal accident insurance, critical illness cover, private medical insurance, and dental insurance Competitive pension scheme - LV= Life and Pensions will double-match the amount you pay, up to 14% (subject to National Minimum Wage requirements) Group Life Assurance of four times your basic pay to your dependents (you'll have the option to increase this to 8 x cover) Group Income Protection, if you enroll into the pension scheme and reach 5 years of service Employee Assistance Programme (EAP) service for support when you need it Virtual GP service Shared parental leave Up to 20% discount on our life products for you and your immediate family. About Us We're proud of our inclusive culture at LV= and, as an equal-opportunity employer, we continually work to remove unconscious bias from our recruitment process. We value our colleagues for what they bring to our team regardless of any protected status or characteristics they may have. Talk to us about flexible working as part of your application; if it's right for you, our members and customers, and our business, then we'll do everything we can to make it happen. We're also open to conversations about flexible working as part of your application - if it's right for our customers, our business and for you, then we'll do everything we can to make it happen. Please note that we are unable to offer Skilled Worker Visa Sponsorship for this role. Therefore, you must ensure that you are eligible to work in the UK without our sponsorship in order for your application to be considered. Go on, bring your true self to LV.
About The Role We are excited to announce a wonderful opportunity for two underwriting professionals to join LV= as Senior Life Underwriters. You'll efficiently underwrite new business applications for life, critical illness and income protection insurance on appropriate terms, based on risk factors presented in applications. You will make fair and balanced decisions using relevant evidence, and by gathering further information for additional clarity where required. About You Our ideal candidates will Be experienced underwriting professionals with a good understanding of life and income protection products. Demonstrate strong proof-reading skills, with a keen eye for detail. Be knowledgeable and efficient decision-makers, with a passion for delivering an excellent customer experience. Showcase strong administration and organisational skills, with the ability to prioritise workload effectively. Maintain an awareness of the wider market and competitors' products. Be adept at using Microsoft Office programmes such as Word, Excel, PowerPoint and Outlook. Consistently demonstrate excellent communication skills, with the ability to deliver information in a clear, concise manner, and with patience and empathy. Comfortably work and manage workload independently, while also supporting colleagues and the wider team with achieving mutual goals. Key Responsibilities Assessing new business applications and making underwriting decisions within risk appetite and the underwriting philosophy. Providing fair, balanced decisions using appropriate evidence, in an efficient, customer-focused manner. Providing clear and robust justification of decisions where required, and referring cases to third parties, including CMO and re-assurers accurately. Building and maintaining strong working relationships with colleagues, customers and intermediaries. Contributing ideas for continuous improvement of operational processes, and aiding the resourcing of the department, thus enabling KPI's to be met. S suggesting ideas to improve the overall customer journey. Obtaining ongoing CPD by self-education, attending training seminars, industry events and providing feedback to colleagues and business areas as required. Providing coaching, support and feedback to other members of the team where required, including quality checking, in a positive manner. Supporting on projects and testing where needed, to assist with business change plans. Partaking in the investigation of underwriting rules development/claims industry best practice, including analysis of MI where required. Acting as a strong representative on projects, including product initiatives and service improvements to drive the business forward. Rewards & Benefits This role is a Band B in the LV= salary structure. This role is subject to National Minimum Wage requirements for salary sacrifice benefits. At LV= Life and Pensions, you'll go above and beyond to do the right thing for our customers. We'll reward your hard work with an attractive, competitive salary and benefits package, which includes: 26 days' holiday - increasing after two years of service to 28 days The opportunity to buy or sell up to five days of holiday An annual bonus scheme based on company and personal performance Flexible benefits, including a cycle to work scheme, personal accident insurance, critical illness cover, private medical insurance, and dental insurance Competitive pension scheme - LV= Life and Pensions will double-match the amount you pay, up to 14% (subject to National Minimum Wage requirements) Group Life Assurance of four times your basic pay to your dependents (you'll have the option to increase this to 8 x cover) Group Income Protection, if you enroll into the pension scheme and reach 5 years of service Employee Assistance Programme (EAP) service for support when you need it Virtual GP service Shared parental leave Up to 20% discount on our life products for you and your immediate family. About Us We're proud of our inclusive culture at LV= and, as an equal-opportunity employer, we continually work to remove unconscious bias from our recruitment process. We value our colleagues for what they bring to our team regardless of any protected status or characteristics they may have. Talk to us about flexible working as part of your application; if it's right for you, our members and customers, and our business, then we'll do everything we can to make it happen. We're also open to conversations about flexible working as part of your application - if it's right for our customers, our business and for you, then we'll do everything we can to make it happen. Please note that we are unable to offer Skilled Worker Visa Sponsorship for this role. Therefore, you must ensure that you are eligible to work in the UK without our sponsorship in order for your application to be considered. Go on, bring your true self to LV.
