Policy Wording and Technical Underwriting Specialist

Policy Wording and Technical Underwriting Specialist

Date: 16 Feb 2026

Location: Johannesburg, Gauteng, ZA

SBS Underwriting in its Personal Lines Underwriting team has a position available for a Policy Wording and Technical Underwriting Specialist who will be based in Auckland Park, Johannesburg or Bellville, Cape Town.

The purpose of the role is to support Personal Lines and Outsourced Business:

• Compiling, updating, reviewing and maintaining policy wordings, endorsements, addendums, terms, conditions, PPR/ Disclosure notices etc.
• Giving sound claims and personal lines underwriting advice from legal and underwriting perspective.
• Adhering to all regulatory requirements within Personal Lines Underwriting.
• Integrating and updating existing Underwriting manuals/policies, operational manuals and underwriting guidelines.
• Creating new underwriting guidelines and procedures if required.
• Assisting in formulating and sign off of underwriting circulars and media articles.
• Analyzing, interpreting, reviewing, recommending and communicating policy wording/endorsement changes to Binderholders/relevant stakeholders.
• Assisting with product changes and associated projects.
• Aligning product changes to policy wordings, endorsements etc.
• Driving implementation and monitoring results.

• 8 years' experience in Short Term insurance - Personal Lines.
• Strong Technical product underwriting knowledge and proficiency - Personal Lines.
• Understanding of Risk management.
• Degree in Insurance & Risk Management or similar disciplines would be an advantage.
• Computer literate (extensive experience with Excel, Word, Acrobat Pro and PowerPoint).
• Knowledge of short term insurance legal framework.

• High analytical thinking.
• Ability to grasp concepts quickly.
• Exceptional problem solving skills.
• Strong ability to manipulate and interpret policy wording.
• Strong communication and presentation skills.
• Proactive and self motivated.
• Ability to perform under pressure.
• Time management and focused delivery of deadlines.
• Good planning, analytical and decision making skills.
• Good team player - integrates and shares knowledge and skills.
• Displays keen insight and intuition.

• Problem solving.
• Producing creative solutions.
• Developing and implementing strategy.
• Adapting to changing circumstances.
• Performing under pressure.
• Enterprising and commercial thinking.
• Deciding and initiating action.
• Leadership.
• Building networks and good relations.
• Flexibility and adaptability.
• Action orientated.
• Applying expertise and technology.

Santam is the market leader in the general insurance industry in Southern Africa. As a large, diversified, and expanding company, we are committed to transformation and growth. While our headquarters are in South Africa, we are rapidly extending our presence into emerging markets across Africa and Asia.

With a client base of over 1 million policyholders, Santam serves individuals, commercial enterprises, specialist business owners, and institutions-including 80 of the Top 100 companies listed on the JSE. Our commitment to Insurance, Good and Proper goes beyond just providing cover-we offer peace of mind, ensuring our clients can focus on living in the moment, not worrying about the unexpected. Because at Santam, we believe the freedom to seize every day is worth protecting.

People drive our business, and we are committed to attracting the best talent, whether for permanent roles or short term opportunities.

Santam is committed to diversity, inclusion, and belonging. As an equal opportunity employer, we encourage applications from candidates of all backgrounds, including persons with disabilities. We are dedicated to neuro inclusivity and fostering a workplace where everyone can thrive.

Take the next step in your career-apply now and be part of a company that's shaping the future of insurance. This is Freedom!