Responsible for driving underwriting strategy, portfolio performance, and risk selection across assigned geographic regions
Collaborates with state management, pricing, product, capital management, compliance, and underwriting operations
Implement underwriting actions that optimize profitability, mitigate adverse selection, and enhance long term member value
Data driven decision making using a strong working knowledge of product management fundamentals
Monitor the book of business in assigned region, including new and inforce business mix, risk attributes, and channel patterns
Evaluate modeled results and portfolio risk drivers across the book of business
Recommend and lead the implementation of targeted underwriting action to support improvements in profitability, retention, lifetime value, and member experience
Partner with regional state management teams to understand market conditions, state strategies, and business objectives
Collaborate with pricing, product management, compliance, and capital management to ensure alignment on underwriting recommendations and business impacts
Manage portfolio expenses by monitoring effective financial and resource management of assigned portfolio
Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Bachelor's degree in Risk Management, Business, Finance, Analytics, or a related field; OR 4 years of related experience may be substituted in lieu of degree
8 years of progressive Property & Casualty underwriting, product management, pricing, or portfolio management
Proven ability to apply comprehensive knowledge of underwriting fundamentals, industry practices, market trends, and regulatory requirements to effectively manage risk selection, pricing, and product performance
Demonstrated analytical mindset with the ability to interpret data, models, and trends to influence business decisions
Ability to translate analytic findings into actionable recommendations
Proven ability to collaborate and influence across multiple stakeholders and functions
Experience with business mix analysis and using data to tell a story.
Working knowledge of USAA underwriting systems, segmentation tools, or analytic platforms.
Demonstrated experience developing or applying underwriting guidelines, segmentation strategies, or rule frameworks.

P&C Regional Portfolio Underwriting Director

Key skills