Director, Commercial Portfolio Accounts – Product and Underwriting

Job not on LinkedIn

🔥 0 minutes ago

🌵 Arizona – Remote

🌵 Arizona – Remote

⏰ Full Time

🔴 Lead

📋 Underwriter

👻 Ghost score 10%

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CSAA Insurance Group, a AAA Insurer

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🛡️ Insurance

💸 Finance

👥 B2C

Insurance • Finance • B2C

CSAA Insurance Group is a leading insurance provider affiliated with AAA, offering a variety of insurance products including auto, home, and other coverage options tailored to meet the needs of its members across several states. The company prioritizes excellent customer service and convenience, providing online policies management, claims assistance, and resources for members to maximize their benefits. CSAA Insurance Group is committed to improving the insurance experience through user-friendly services and a strong emphasis on customer satisfaction.

📋 Description

• Lead the product management and underwriting team • Hire, develop, and retain high-performing underwriters • Lead underwriting, pricing, quoting, implementation, and lifecycle management for new and renewal Portfolio Accounts • Manage profitability, growth, retention, rate adequacy, segment and state mix, concentration, and remediation or exit of underperforming cohorts • Develop underwriting guidelines and monitor their effectiveness • Design, implement, and improve underwriting tools, processes, procedures, triage rules, and minimum data requirements • Test appetite, structure, pricing, and workflow changes through pilot accounts and cohorts • Streamline processes and apply advanced technology, analytics, and improved risk-assessment methods • Maintain documented human oversight and explainability for model-assisted eligibility or pricing decisions • Build broker and wholesaler relationships and manage distribution productivity, appetite fit, and bind conversion • Support client targeting, business development, onboarding, and renewal strategy • Serve as the underwriting escalation point for the book • Establish and monitor account-level and book-level KPIs • Coordinate with Client Organization, Operations, Claims, IT, Billing, Finance, Accounting, Actuarial, Product Development, Legal, and Compliance • Present referrals exceeding delegated authority to the Underwriting Committee and maintain decision records • Report book-level results and outlook to divisional leadership • Contribute Portfolio Accounts content to quarterly business reviews, large loss, and reserving discussions • Provide input into ceded structure, treaty design, and quota share economics • Train and upskill product managers and underwriters • Serve as subject-matter expert for Portfolio Account Managers and Development Product Managers • Manage portfolio performance through changing market and underwriting cycles

🎯 Requirements

• 10 years of related work experience • 7 years of progressively more responsible assignments within the insurance industry • 5+ years of leading teams, enterprise-wide programs, or large cross-functional programs • Bachelor of Arts or Bachelor of Science, or equivalent combination of education and experience • Expert underwriting knowledge across many commercial lines products • Thorough mastery of commercial lines forms, coverage, product rules, rating algorithms, risk-sharing models, and pricing models • At least 2 years managing a book of business to a stated profitability target (highly preferred) • Familiarity with primary and excess insurance, surplus lines, large and matching deductibles, collateral and credit risk, third-party claims administrators, MGAs and MGUs, fronting programs, and ceded and assumed reinsurance • Ability to build repeatable underwriting processes and measure throughput, quality, and consistency • Ability to attract, develop, and retain high-performing underwriting talent • Broker and distribution relationship-building skills • Deep knowledge of the P&C industry, competitors, insurance product pricing, financial drivers of profitability, legislative requirements, and Department of Insurance regulations • Analytical fluency with portfolio reporting and data tools • Judgment to interrogate model outputs for bias, explainability, and fairness risk • Strong organizational, problem-solving, negotiation, influencing, oral, and written communication skills • MBA, CPCU or similar certification, and similar leadership experience are stated as additional desirable qualifications • Ability to travel as needed for enterprise, divisional, team, industry, and other in-person meetings • Must have authorization to work indefinitely in the United States • Mobilitas does not provide visa sponsorship

🏖️ Benefits

• Annual bonus eligibility for most roles • 401(k) with a company match • Career growth support through leaders and mentors • Development opportunities • Remote-first flexible workplace • Home-Flex roles working primarily from home • Flexibility to work from various locations, including Mobilitas offices • Inclusive and welcoming workplace • Reasonable accommodations for qualified applicants and employees with disabilities or other limitations