Senior Enterprise Risk & Capital Strategy Analyst

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🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $105.2k - $147.9k / year

⏰ Full Time

🟠 Senior

🎲 Risk

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Horace Mann

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1945

🛡️ Insurance

💸 Finance

📚 Education

Insurance • Finance • Education

Horace Mann is a company that provides comprehensive insurance and financial solutions tailored for educators and public sector workers. The company offers a wide range of insurance options including auto, home, renters, liability, life, and supplemental insurance. In addition to insurance, Horace Mann provides retirement and financial strategies, such as 529 College Savings Plans, investment management, and student loan solutions designed specifically to help educators. They are committed to supporting educators through various programs, workshops, webinars, and partnership initiatives that aid in professional and personal financial wellness. Horace Mann is recognized for its strong financial stability and ethical governance practices, ensuring security and privacy for its nearly one million educator clients across the nation.

📋 Description

• Play a critical part in ensuring financial strength, optimizing capital allocation, and evaluating strategic growth opportunities. • Partner closely with actuarial, finance, investments, and executive leadership to drive data-informed decisions that balance risk, return, and regulatory requirements. • Influence the company’s financial resilience and growth strategy directly by ensuring appropriate risk-taking, efficient capital deployment, and disciplined evaluation of strategic opportunities. • Play a key role in maintaining strong regulatory standing and supporting rating agency relationships. • Evaluate strategic initiatives including Mergers & Acquisitions (M&A), reinsurance transactions, distribution partnerships, and new product/market entry. • Build and review financial models for acquisitions, divestitures, and strategic investments. • Perform valuation analyses (discounted cash flow [DCF], comparable companies, embedded value where applicable). • Conduct industry and competitor analysis across life, annuity, and/or Property & Casualty (P&C) markets. • Support due diligence and integration planning for transactions. • Develop and maintain capital models across regulatory and economic frameworks (e.g., risk-based capital [RBC], economic capital, rating agency models such as AM Best/Standard & Poor’s [S&P]). • Analyze capital adequacy and support capital allocation decisions across business lines. • Perform sensitivity and scenario testing to assess impacts on surplus, earnings, and ratings. • Partner with actuarial and finance teams on projections, reserve impacts, and asset-liability management (ALM). • Support ORSA filings, rating agency submissions, and capital-related disclosures. • Support the design, enhancement, and execution of the company’s ERM framework in alignment with National Association of Insurance Commissioners (NAIC) and Own Risk and Solvency Assessments (ORSA) requirements. • Identify, assess, and monitor key risks including underwriting, market, credit, liquidity, and operational risks. • Lead risk assessments, scenario analysis, and stress testing (e.g., interest rate shocks, catastrophe events, lapse risk). • Prepare risk reports and dashboards for senior management and the Board. • Collaborate with business units to develop and track risk mitigation strategies.

🎯 Requirements

• Bachelor’s degree in Actuarial Science, Finance, Economics, Mathematics, or related field. • 5–10+ years of experience in insurance risk management, actuarial, corporate finance, investment banking, or strategy. • Strong understanding of insurance fundamentals (reserving, pricing, reinsurance, ALM). • Experience with capital frameworks such as RBC and/or economic capital models. • Progress toward or attainment of FSA/ASA, CFA, or MBA strongly preferred. • Advanced Excel skills; experience with modeling tools (e.g., Python, R, VBA, Prophet, AXIS, or similar) is a plus.