Senior Director – Portfolio Risk & Underwriting Strategy

Protective Life

. Lead portfolio risk management and performance oversight across products, programs, distribution channels, and geographies, with accountability for profitable growth and disciplined risk selection .

Posted 11/4/2026full-timeRemote • United StatesSenior💰 $137,000 - $210,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in portfolio risk management, underwriting strategy, and performance oversight, with a strong focus on analytics and financial insights to drive profitable growth. Proven ability to lead cross-functional teams and influence senior leadership decisions in complex, high-impact situations.

Highest-signal resume keywords

Portfolio Risk ManagementUnderwriting StrategyPredictive AnalyticsCross-Functional LeadershipFinancial Insights

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Actuarial ScienceQuantitative AnalysisPricing StrategyForecastingTrend AnalysisScenario ModelingPerformance MeasurementRisk SelectionData ModernizationGovernance

Soft Skills

People LeadershipCoachingOrganizational Change CapabilityInfluencing DecisionsCollaboration

Tools & Technologies

DashboardsPredictive ModelsSimulationsPerformance MetricsAnalytical Tools

Certifications & Qualifications

ACASFCASCPCUARM

Industry Keywords

Insurance ProfitabilityP&C InsuranceAutomotive FinanceExtended Service ContractsVehicle Protection Products

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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