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Product
Underwriting Lead (Motor (mass))

We're a tech-driven insurance company with Latvian roots, causing waves in industry with our fresh approach. Our secret? Placing people's lifestyles at the heart of our products and leveraging the power of automation. The result is an insurance experience that's as hassle-free as it gets. No need to buy and cancel policies anymore - just a simple, convenient subscription service that smoothly integrates insurance into your everyday life. Today, we are sprinkled across Latvia, Lithuania, Poland, France, Germany, Italy, and Estonia. We're all over the place, and we're just getting started. We are on a mission to redefine the way you think about insurance.

Experience
Expert
Your mission
Lead Underwriter
Salary (brutto)
2700-3300
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Which Balcia insurance subscription are you?
background Reinis Bērzkalns
Reinis Bērzkalns
Vice President
Meet your leader

Position

Motor Product Underwriting Lead is the engine behind the execution of our motor insurance strategy. You won’t just apply underwriting rules; you’ll turn product strategy into smart risk decisions, sharp pricing, and strong portfolio performance. From refining underwriting approaches to supporting product enhancements, you’ll help shape and strengthen our motor insurance offering—ensuring it delivers on today’s market needs while staying aligned with where Balcia is heading tomorrow.

Get ready to: 

  • Lead the execution of the motor insurance product portfolio at branch level in line with the strategy set by the Group Product Manager.
  • Make underwriting decisions within your authority and manage referrals when limits are exceeded.
  • Assist Group Product Manager (Motor (mass)) in product development
  • Support product design, updates, and reviews by contributing underwriting and market expertise.
  • Track competitor activity and market trends to help keep the product competitive and relevant.
  • Identify and flag legislative or regulatory changes affecting the product.
  • Prepare training materials and deliver product and underwriting training to internal teams and partners.
  • Work closely with underwriting, claims, sales, and other teams to ensure smooth product execution and continuous improvement.


    About you:

    • You have solid experience in insurance and feel confident making underwriting decisions that balance risk and business goals.
    • You enjoy collaborating across teams and acting as a link between product strategy and execution.
    • You communicate clearly and can explain complex topics in a practical way.
    • You’re detail-oriented, well-organized, and take ownership of your responsibilities.
    • You stay calm under pressure and adapt easily in a changing environment.

Sound familiar? Great! Shoot us a message and let’s see where this connection takes us!

You’ll fit right in if you have:

  • Solid insurance experience (at least 5 years under your belt) and a strong underwriting background (3+ years)
  • A degree in Business, Finance, or a related field
  • A sharp analytical mind and strategic decision-making skills
  • A good grasp of regulatory rules and market dynamics
  • Excellent Latvian + solid English (both written and spoken)

    Reasons why you’ll love it here

    illustration

    You will be working from our modern HQ offices in the Riga city centre, while also having the option of a nomad-desk. What does that mean? Simple! In addition to our HQ, you can occasionally choose to work from dynamic locations across Riga, Tallinn, Warsaw, and Vilnius, or, if you wish, your home office.

    Say goodbye to micromanagement and hello to creative freedom! Our flat organizational structure empowers each employee to make meaningful decisions and contribute directly to our shared vision. Our OKR (Objective and Key Results) bonus system aligns your personal goals with company objectives, giving you the freedom to grow in a way you see fit and earn a little extra along the way.

    Balcia brings a whole new meaning to insurance, making it dynamic, vibrant, and full of exciting surprises! From creative brainstorming and innovative projects to unique collaborations, it's never boring at Balcia! To make your start here as smooth as possible we'll provide effective onboarding, and any additional training or guidance you may need.

illustration

Pleasures

No 1
Life in Balance

We wish you to be the most productive me you can be!

Flexible working hours
Kudos Day
Shorter Summer Fridays
Work abroad for three months a year
Work and travel across Balcia branches
Hybrid Work
No 4
Health and Wellness

Whether it's physical or mental, your health and well-being are always a priority!

Wellness Recharge Days
Kindness Day
Significant life fund
Active Lifestyle funding
Health insurance
Walk to connect with colleagues
No 2
Beyond your salary

We are ready to compensate your efforts in addition to your salary!

Educational Sponsorship
Conference Support
Performance Bonus
Participation in Balcia sponsored events
Individual training budget
Unlimited career growth
No 3
Balcia Lifestyle

These perks are here to make your workdays smoother, brighter, and more fun.

Merch Shop
Shared electric scooters
Inspiring story tellers
Insider deals 50%
Referral bonus
Internal events
Snacks in the office
Flat structure
Partner discounts
Residence discount 20%
Phone expenses
Free Parking
Rooftop Fun
No 1
Life in Balance

We wish you to be the most productive me you can be!

Flexible working hours
Kudos Day
Shorter Summer Fridays
Work abroad for three months a year
Work and travel across Balcia branches
Hybrid Work
No 2
Beyond your salary

We are ready to compensate your efforts in addition to your salary!

Educational Sponsorship
Conference Support
Performance Bonus
Participation in Balcia sponsored events
Individual training budget
Unlimited career growth
No 3
Balcia Lifestyle

These perks are here to make your workdays smoother, brighter, and more fun.

Merch Shop
Shared electric scooters
Inspiring story tellers
Insider deals 50%
Referral bonus
Internal events
Snacks in the office
Flat structure
Partner discounts
Residence discount 20%
Phone expenses
Free Parking
Rooftop Fun
No 4
Health and Wellness

Whether it's physical or mental, your health and well-being are always a priority!

Wellness Recharge Days
Kindness Day
Significant life fund
Active Lifestyle funding
Health insurance
Walk to connect with colleagues

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Product
Underwriting Lead (Motor (mass))


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