Senior Director – Portfolio Risk & Underwriting Strategy

🔥 4 minutes ago

🌾 Nebraska, Missouri – Remote

🌾 Nebraska – Remote 🏰 Missouri – Remote

💵 $137k - $210k / year

⏰ Full Time

🟠 Senior

📋 Underwriter

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Protective Life

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1908

💸 Finance

🛡️ Insurance

Finance • Insurance

Protective Life is a financial services company specializing in providing affordable life insurance and annuities. The company offers a variety of insurance products such as term life, whole life, and universal life policies, as well as fixed, immediate, indexed, and variable annuities. Protective Life assists individuals in planning for their future, including retirement, estate planning, and financial protection for families. The company emphasizes its commitment to sustainability, community involvement, and helping customers achieve protection and security throughout various life stages. Protective Life is known for its strong financial foundation and is licensed to operate in all states except New York.

📋 Description

• Lead portfolio risk management and performance oversight across products, programs, distribution channels, and geographies, with accountability for profitable growth and disciplined risk selection • Analyze loss, exposure, pricing, frequency, severity, mix-of-business, and market trends to identify emerging risks and recommend timely portfolio actions • Direct underwriting strategy and governance, including pricing, eligibility, authority, referral, and exception frameworks • Partner with Actuarial, Product, Finance, Sales, and Operations to evaluate product changes, pricing actions, reserving implications, and opportunities to improve portfolio returns • Guide forecasts, predictive models, simulations, dashboards, and scenario analyses, translating technical results into practical business decisions • Establish portfolio monitoring routines, performance thresholds, and executive reporting • Influence product design and program strategy by assessing financial, actuarial, underwriting, operational, and customer impacts • Lead complex decisions in ambiguous, high-impact situations and communicate recommendations, trade-offs, and financial implications to senior leadership • Improve underwriting processes, data, tools, controls, and governance • Lead, coach, and develop a high-performing team while strengthening organizational collaboration and analytical capability • Protective Asset Protection provides finance and insurance solutions, vehicle protection plans, GAP coverage, limited warranties, and ancillary products to automotive, marine, powersports, and recreational vehicle markets

🎯 Requirements

• Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics, Finance, Risk Management, Business, or a related field • 7+ years of progressive experience in underwriting, actuarial, portfolio management, product management, risk management, or a related insurance discipline • 4+ years of relevant leadership experience, including direct people management • Experience managing portfolio performance and profitability across multiple products, programs, markets, or distribution channels • Experience using analytics, performance metrics, and financial insights to support strategic decisions and portfolio actions • Demonstrated success partnering across functions to shape business strategy and execute complex initiatives • Ability to present recommendations and influence decisions at the senior-leadership level • Deep knowledge of underwriting, portfolio management, risk selection, and insurance profitability drivers • Strong actuarial and quantitative orientation, including pricing, forecasting, trend analysis, scenario modeling, and performance measurement • Understanding of loss cost, frequency, severity, exposure, mix, concentration, and rate adequacy concepts relevant to P&C or specialty insurance portfolios • Cross-functional leadership and influence across Actuarial, Product, Finance, Sales, Operations, and Technology • People leadership, coaching, talent development, and organizational change capability • Preferred: 8+ years of progressive experience in actuarial, underwriting, portfolio management, product, or insurance risk leadership • Preferred: ACAS, FCAS, or meaningful progress toward a Casualty Actuarial Society designation; CPCU, ARM, or another relevant insurance credential • Preferred: Experience in automotive finance and insurance (F&I), extended service contracts, vehicle protection products, warranty administration, specialty insurance, or adjacent P&C markets • Preferred: Experience with pricing strategy, reserving, predictive analytics, loss trend analysis, or actuarial model implementation • Preferred: Experience leading underwriting transformation, governance, data modernization, or technology-enabled decisioning • Preferred: Advanced degree such as an MBA, MS, or related discipline

🏖️ Benefits

• Comprehensive health, dental, and vision insurance • Mental health benefits • Employee assistance program • Paid time off • Paid parental leave • Short-term disability • Cultural observance day • Contributions to healthcare accounts • Pension plan • 401(k) plan with Company matching • ProHealth Rewards wellness platform with cash rewards • Additional incentive opportunities through an annual incentive based on individual and Company performance

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