Assistant Director, Product Analysis - Commercial Auto Underwriting

Underwriting experience is required for this position, and Commercial Auto Underwriting exposure is highly preferred!  Use your advanced Underwriting experience to join an exciting new opportunity!

We are hiring a seasoned Commercial Auto underwriting professional to lead portfolio performance for Global Risk Solutions (GRS) North America. This is a high-impact, technical role for someone who combines deep Commercial Auto underwriting judgment, and proven portfolio management skills. You will partner closely with Product, Actuarial & Analytics, Data Science, Underwriting Technology and field underwriting to monitor performance, diagnose root causes, and drive targeted actions that improve profitability and growth across the Auto portfolio.

Why join us

• Own the portfolio story for Commercial Auto across GRS North America and influence strategy at the Product Board level.
• Use advanced underwriting system expertise to translate portfolio insights into underwriting rules, guardrails and scalable execution.
• Lead cross-functional pilots (telematics, fleet segmentation, territory models) with measurable impact on loss outcomes and retention.
• High visibility role with autonomy to shape portfolio priorities and drive real change.

Core Responsibilities

• Monitor portfolio performance across Commercial Auto and produce clear, decision‑oriented reporting for leadership (loss ratio, frequency/severity, mix, retention, rate adequacy, telematics/mileage metrics).
• Analyze large volumes of performance data to identify trends, deviations from plan and causal drivers; translate findings into concise recommendations and roadmaps for action.
• Propose and prioritize portfolio shaping strategies (areas to grow, restrict or remediate) and socialize a cohesive portfolio narrative to underwriting segments and senior leadership.
• Work with actuarial/pricing and product teams to validate rate adequacy, support filings, and coordinate experiments to test pricing and segmentation hypotheses.
• Translate portfolio insights into underwriting authority, referral criteria, rules and playbooks; partner with field underwriting to operationalize changes.
• Serve as technical liaison to Product, Actuarial/Analytics, Data Science and Underwriting Technology to support research, testing, and maintenance of Auto underwriting and product capabilities (e.g., territory models, fleet tiering, mileage/UBI data, advanced location and driving attributes).
• Lead and coordinate cross‑functional initiatives to implement portfolio and product changes; build workplans, align stakeholders, manage timelines, and track outcomes to ensure measurable impact on profitability and growth.
• Provide guidance and training to underwriting teams on portfolio expectations, and application of portfolio guardrails.
• Maintain competitive market/industry intelligence to inform product positioning and underwriting responses.

What success looks like:

• Timely, actionable reporting that surfaces root causes and leads to measurable underwriting changes.
• Scalable platform-driven underwriting controls and playbooks that improve consistency and profitability.
• Successful experiments/pilots that demonstrate uplift in loss cost, retention or margin.
• Strong influence across Product, Actuarial, Data Science and field underwriting; documented improvements in portfolio performance.

This role reports to the Executive Underwriting Officer for Auto.

If you reside within 50 miles of a hub office, you will be required to go to said office twice a week.  We are open to fill this Director-level position based on candidate experience.

• Significant Commercial Underwriting experience, including products, pricing, and rules.
• Strong portfolio management experience; analyzing portfolio metrics, setting priorities and driving cross-functional implementation.
• Professional curiosity, strategic mindset, with strong analytical/critical thinking skills.
• Track record for making effective data-driven decisions.
• Objective and results-oriented with a track record of delivering results.
• Strong planning, organizational, and communication skills with the ability to build clear narratives, project plans, and influence across functions and levels.
• Demonstrated ability to lead cross-functional projects and influence without direct authority; comfortable operating autonomously, proactively probing partner needs, diagnosing causal drivers of performance, and soliciting feedback on potential portfolio/product initiatives.
• Experience with telematics/usage-based insurance, fleet segmentation, territory models, and advanced location/driver data is a plus!
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