Head of Property

Why join us?

Mitti by SafetyCulture is a global tech company, just not the kind you're picturing. Our almost 1,000-person team builds tools that make work better for the three billion frontline workers who keep the world moving. We've got big tech scale, without the sign-off layers or corporate theatre. Every permanent team member gets equity, so when we grow, you do too. This next chapter is about scaling smart, powered by AI, a clear vision and real ownership.

As the Head of Property, you will build and lead Mitti Insurance’s ISR Property underwriting function in Australia. establishing a profitable, well-underwritten portfolio of ISR and related commercial lines while developing the team, broker relationships, and market credibility that will underpin long-term growth. The Head of Property sets the underwriting strategy, owns portfolio performance, and shapes what Mitti Insurance stands for in the Australian general insurance market.

Key Responsibilities

• Own end-to-end portfolio performance across all general property lines in Australia - setting underwriting strategy, managing risk quality and profitability, and delivering against agreed loss ratio and premium growth targets.
• Lead and develop the ISR underwriting team, building a high-performing culture of technical excellence, continuous improvement, and clear accountability.
• Drive broker engagement and new business development, establishing Mitti Insurance as a credible and preferred ISR partner across target segments in the Australian market.
• Set and maintain underwriting guidelines, authority frameworks, and risk appetite for the ISR portfolio, aligned with reinsurance arrangements and Mitti Insurance’s overall risk strategy.
• Collaborate with actuarial, claims, and product teams to ensure pricing adequacy, coverage alignment, and claims experience feedback into underwriting decisions in a closed loop.
• Ensure all underwriting activity complies with Australian Securities and Investments Commission (ASIC) requirements, Australian Financial Services Licence (AFSL) conditions, and Mitti Insurance internal risk and compliance framework.
• Represent Mitti Insurance in broker and industry forums, building the brand and reputation of the ISR portfolio across the Australian market.

Required Skills & Experience

• Deep technical expertise in commercial liability lines - General Property, ISR, - demonstrated through hands-on underwriting of complex and large risks.
• Demonstrated ability to manage an ISR portfolio from a profit and loss (P&L) perspective, including pricing strategy, capacity management, and reinsurance utilisation.
• Strong working knowledge of Australian insurance regulatory requirements, including Australian Financial Services Licence (AFSL) compliance obligations and Australian Securities and Investments Commission (ASIC) conduct standards.
• Track record of setting underwriting guidelines and authority frameworks, including managing delegated authority arrangements and binding authority agreements.
• Analytical capability to interpret loss experience, exposure data, and market trends to inform underwriting strategy and test pricing adequacy.

Behavioural Skills

• Leads with conviction - makes clear, well-reasoned underwriting decisions and builds confidence in team members, brokers, and leadership by standing behind them.
• Commercially sharp - connects underwriting decisions to business outcomes and views the portfolio through a profitability lens, not just a risk lens.
• Builds genuine broker relationships - invests in long-term partnerships grounded in trust, responsiveness, and consistent service rather than transactional interactions.
• Proactive, collaborative, and resilient - manages competing priorities across strategy, technical underwriting, people leadership, and stakeholder engagement without losing momentum.
• Develops the people around them - creates a team environment where underwriters build technical capability, take on greater authority, and feel real ownership of their decisions.

AI Skills

• Uses AI tools to accelerate risk assessment, portfolio analysis, and market research reducing manual effort and surfacing insights faster than traditional methods.
• Evaluates AI-assisted outputs with sound underwriting judgment - validates and refines AI-generated risk summaries or pricing signals rather than accepting them uncritically.
• Actively explores how emerging AI capabilities can improve underwriting workflows and brings relevant tools and ideas to the team.

Our Culture

We’re committed to building inclusive teams and cultivating a sense of belonging so our people can bring their whole authentic selves to work each day. We seek to make reasonable adjustments throughout our recruitment process to create an even playing field for all candidates. Thanks to the tireless efforts of the entire Mitti team we’ve built an incredible culture which has seen us recognised as a Best Place to Work in Australia , the US and the UK .

Even if you don't meet every requirement listed in the ad, please consider applying for this role. We prioritise inclusion and value individuals with potential over a checklist of qualifications. Don't rule yourself out,

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