Personal Lines Underwriting Director – Strategy

🔥 10 minutes ago

🍂 Massachusetts, Michigan – Remote

🍂 Massachusetts – Remote 🚗 Michigan – Remote

⏰ Full Time

🔴 Lead

🧐 Strategy

👻 Ghost score 10%

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The Hanover Insurance Group

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1852

🛡️ Insurance

🤝 B2B

👥 B2C

💰 $500M Post-IPO Debt - The Hanover Insurance Group on 2025-08

Insurance • B2B • B2C

The Hanover Insurance Group is a U. S. -based insurance company that provides personal and commercial insurance products and services. Hanover offers individual lines such as home, auto, motorcycle, umbrella, condominium, renters, and specialty coverages (collector cars, watercraft, valuable items), as well as comprehensive business products including business owner’s policies, commercial auto, workers' compensation, management liability, cyber, professional liability, property, surety, and industry-specific coverages for construction, healthcare, life sciences, retail, and more. The company supports customers and agents with claims services, policy management tools, educational resources, risk solutions, and an agent/broker distribution network. Hanover emphasizes customer service, preparedness resources, corporate responsibility, and agent support.

📋 Description

• Define and evolve the Personal Lines risk appetite framework, including growth targets, profitability thresholds, volatility tolerance, and concentration limits • Develop and maintain a portfolio strategy view across products, segments, geographies, and distribution channels • Assess portfolio performance relative to risk appetite and strategic objectives; identify emerging risks, exposure shifts, and opportunity areas • Lead scenario analysis and stress testing under varying market, weather, and competitive conditions • Partner with Actuarial and Finance on underwriting strategy, pricing adequacy, capital considerations, and financial outcomes • Translate portfolio insights into strategic direction for Product and Underwriting teams • Provide recommendations on where to grow, maintain, or pull back, supported by rigorous analysis • Establish portfolio KPIs and dashboards for senior leadership oversight and decision-making • Prepare and present executive- and Board-level materials on portfolio health, tradeoffs, and strategic options • Lead cross-functional initiatives involving rebalancing actions and growth pivots • Manage and develop a team of strategy professionals through coaching, feedback, and career development • Serve as a strategic thought partner to Personal Lines leadership on market positioning and enterprise risk tradeoffs, including reinsurance strategy

🎯 Requirements

• 7+ years of relevant work experience • 3+ years of proven experience leading cross-functional teams • Strong understanding of insurance portfolio dynamics, risk appetite frameworks, and return tradeoffs • Ability to connect underwriting, pricing, capital, and growth strategies into a coherent portfolio view • Comfortable interpreting complex analyses, scenarios, and tradeoffs without oversimplification • Ability to challenge assumptions, influence senior leaders, and drive difficult tradeoff discussions • Ability to proactively anticipate market, competitive, regulatory, and climate-related portfolio shifts • Proven experience leading and developing high-performing strategy teams • Strong written and verbal communication skills; credible and persuasive with senior leaders and Boards

🏖️ Benefits

• Full-time, exempt role