Head of Underwriting

🔥 1 minute ago

🏄 California – Remote

🏄 California – Remote

💵 $175k - $200k / year

⏰ Full Time

🔴 Lead

📋 Underwriter

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Delos Insurance Solutions

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2016

🤖 Artificial Intelligence

👥 B2C

Artificial Intelligence • B2C

Delos Insurance Solutions is an insurtech and California-licensed managing general agent that provides homeowner insurance tailored to wildfire-prone areas. The company uses proprietary, science-based wildfire risk models and artificial intelligence that incorporate NASA and other satellite/climate datasets to underwrite coverage where traditional insurers often decline. Delos partners with agents and A-rated carriers, offers dynamic risk monitoring, personalized home-hardening advice, and focuses on enabling affordable, accurate coverage and proactive loss prevention for homeowners.

📋 Description

• Define and execute underwriting strategy aligned with company risk appetite and growth goals • Establish clear underwriting frameworks, guidelines, and authority structures • Lead and develop the underwriting team to ensure consistent, high-quality decision-making • Manage, mentor, and scale a team of underwriters • Set performance expectations, KPIs, and accountability standards • Foster a culture of discipline, collaboration, and continuous improvement • Own portfolio performance, including loss ratio, exposure, and concentration risk • Monitor trends and adjust underwriting strategy based on performance and market conditions • Actively manage catastrophe exposure, including wildfire and other perils • Ensure alignment between underwriting decisions and pricing models • Partner with actuarial and data teams to refine segmentation and risk selection • Maintain balance between growth targets and profitability • Drive adoption of data-driven underwriting tools, models, and risk scores • Collaborate with data science teams to improve model performance and usability • Ensure underwriting decisions are informed by robust analytics and insights • Partner with reinsurance to align underwriting strategy with risk transfer programs • Ensure portfolio construction reflects reinsurance structures and constraints • Support optimization of retention and exposure • Ensure underwriting practices meet regulatory requirements and internal controls • Maintain clear documentation, auditability, and consistency • Support regulatory interactions and internal reviews • Collaborate with claims, finance, and revenue teams to align on performance and strategy • Provide insights into loss drivers and emerging risks • Serve as a key advisor to executive leadership on portfolio risk and growth

🎯 Requirements

• 10–15+ years of underwriting experience, preferably in property insurance • Active Property & Casualty (P&C) insurance license in at least one U.S. state is required. If not currently licensed in California, candidates must be able to obtain a California Non-Resident Property & Casualty license within 90 days of hire. • Proven leadership experience managing and developing underwriting teams • Strong expertise in catastrophe-exposed risks; wildfire experience strongly preferred • Deep understanding of underwriting, pricing, and portfolio management • Experience in insurtech or data-driven underwriting environments preferred • Familiarity with regulatory and compliance frameworks

🏖️ Benefits

• Competitive salary plus equity stock options • Flexibility to work from anywhere in the United States • Unlimited PTO, including sick leave and company holidays • Comprehensive medical, dental, vision, and life insurance. (25% paid by employee, 75% covered by Delos including dependents) • 401(k) retirement savings plan • Professional development opportunities and tuition assistance