Retail Credit Insurance

Former Head of Commercial Underwriting, Euler Hermes UK

Why is this interview interesting?

  • How credit insurance works
  • A hypothetical example of retail credit insurance
  • Cash flow profiles of a typical agreement between underwriter and retailer
  • How an underwriter looks at the risk profile of retailers
  • When and why an underwriter would typically cut coverage

Executive Bio

Stephen Birmingham

Former Head of Commercial Underwriting, Euler Hermes UK

Steve has over 30 years experience in underwriting trade credit across various different industries. He spent 20 years at Euler Hermes, a leading global credit insurance company, which was one of th first company to reduce coverage for UK department stores in 2018. During his time at Euler Hermes, he oversaw the £80bn commercial underwriting portfolio. Prior to managing the portfolio, Steve led pricing and product development for commercial insurance. Steve remains one of the most experienced underwriters in the UK and has a deep understanding of the frameworks underwriters use when providing insurance for corporates.Read more

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Interview Transcript

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Retail Credit Insurance(November 5, 2019)

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