Head of Commercial

Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 23,000 employees spanning over 56 countries.People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.**Head of Commercial****About the Role**We’re looking for a dynamic **Head of Commercial** to lead the commercial strategy for our Personal Lines and SME insurance business, Tilt. Tilt is an innovative digital broker under the Howden umbrella, leveraging AI and automation to deliver effortless, self-service insurance solutions. We are redefining the commercial insurance space by removing unnecessary friction and making it easier for businesses to manage their policies online.This is a senior leadership role where you’ll shape growth plans, build strategic partnerships, and drive profitability while ensuring compliance with FCA regulations. If you’re passionate about innovation, digital transformation, and building strong industry relationships, this could be the perfect opportunity for you.**Roles and Responsibilities*** Develop and execute a commercial strategy aligned with company vision and growth objectives.* Identify new market opportunities and innovative distribution channels.* Lead the Commercial team, setting clear KPIs and performance targets.* Build and maintain strategic relationships with insurers, aggregators, and key partners.* Negotiate favourable terms and commission structures to maximise profitability.* Collaborate with internal teams on product and distribution strategies.* Drive data-led trading initiatives and capacity model development.* Monitor market trends and regulatory changes to stay ahead of emerging risks.* Ensure compliance with FCA regulations, GDPR, and internal governance frameworks.* Prepare and manage budgets, forecasts, and financial reports for the division.* Recruit, mentor, and develop a high-performing team, fostering a culture of collaboration and accountability.**About the Candidate**We’re looking for someone who combines strategic vision with hands-on leadership. You’ll have:* **Experience:** + Experience in a senior commercial role within insurance brokerage, with Leadership experience. + Proven success in managing product portfolios and optimising capacity and distribution. + Strong relationships with insurers, aggregators, and third-party suppliers.* **Skills & Competencies:** + Deep knowledge of motor and business insurance products and market dynamics. + Excellent negotiation and relationship management skills. + Strong understanding of FCA regulations and risk management. + Strategic thinker with financial acumen and leadership capability.A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us:* Our successes have all come from someone brave enough to try something new* We support each other in the small everyday moments and the bigger challenges* We are determined to make a positive difference at work and beyond# # **Reasonable adjustments**We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours\* or hybrid working\*.If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.\*Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.Permanent
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