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 workplace 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

📌 Head of Property (Sydney)
🏢 Mitti by SafetyCulture
📍 Sydney