Director, Commercial Portfolio Accounts – Product and Underwriting

This is a fully remote position, open to applicants in Arizona.

📋 Description

• Lead the product management and underwriting team.

• Recruit, nurture, and retain top-tier underwriters.

• Oversee underwriting, pricing, quoting, implementation, and lifecycle management for both new and renewal Portfolio Accounts.

• Manage profitability, growth, retention, rate adequacy, segment and state mix, concentration, and the remediation or exit of underperforming cohorts.

• Develop underwriting guidelines and assess their effectiveness regularly.

• Design, implement, and enhance underwriting tools, processes, procedures, triage rules, and minimum data requirements.

• Evaluate appetite, structure, pricing, and workflow modifications through pilot accounts and cohorts.

• Optimize processes and leverage advanced technology, analytics, and enhanced risk-assessment methods.

• Ensure documented human oversight and explainability for model-assisted eligibility or pricing decisions.

• Cultivate relationships with brokers and wholesalers while managing distribution productivity, appetite fit, and bind conversion.

• Assist in client targeting, business development, onboarding, and renewal strategies.

• Act as the underwriting escalation point for the portfolio.

• Set and monitor account-level and book-level KPIs.

• Collaborate with Client Organization, Operations, Claims, IT, Billing, Finance, Accounting, Actuarial, Product Development, Legal, and Compliance teams.

• Present referrals that exceed 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 discussions, and reserving conversations.

• Provide insights into ceded structure, treaty design, and quota share economics.

• Train and enhance the skills of product managers and underwriters.

• Serve as a subject-matter expert for Portfolio Account Managers and Development Product Managers.

• Manage portfolio performance amidst changing market and underwriting cycles.

⛳️ Requirements

• 10 years of relevant work experience.

• 7 years of increasingly responsible roles within the insurance industry.

• 5+ years of experience leading teams, enterprise-wide programs, or extensive cross-functional initiatives.

• Bachelor of Arts or Bachelor of Science degree, or an equivalent combination of education and experience.

• Expert-level underwriting knowledge across a variety of commercial lines products.

• Comprehensive understanding of commercial lines forms, coverage, product rules, rating algorithms, risk-sharing models, and pricing models.

• A minimum of 2 years managing a book of business to a specified 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.

• Capability to establish repeatable underwriting processes and evaluate throughput, quality, and consistency.

• Proficiency in attracting, developing, and retaining high-performing underwriting talent.

• Strong skills in building broker and distribution relationships.

• Extensive knowledge of the P&C industry, its competitors, insurance product pricing, financial profitability drivers, legislative requirements, and Department of Insurance regulations.

• Analytical fluency with portfolio reporting and data tools.

• Sound judgment to analyze model outputs for bias, explainability, and fairness risks.

• Excellent organizational, problem-solving, negotiation, influencing, oral, and written communication skills.

• An MBA, CPCU, or similar certification, along with comparable leadership experience, is considered an additional asset.

• Willingness 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

• Eligibility for annual bonuses for most positions.

• 401(k) plan with company matching.

• Support for career growth through guidance from leaders and mentors.

• Opportunities for professional development.

• A remote-first flexible working environment.

• Home-Flex roles allowing primarily remote work.

• Flexibility to work from various locations, including Mobilitas offices.

• An inclusive and welcoming workplace culture.

• Reasonable accommodations for qualified applicants and employees with disabilities or other limitations.