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Associate Vice President, Product and Underwriting, Small Business Insurance
TD. Define and execute the Product and Underwriting strategy and roadmap for Commercial Automobile and Commercial Property & Liability .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in developing and executing product and underwriting strategies for Commercial Automobile and Commercial Property & Liability, with a strong focus on profitability, risk management, and regulatory compliance. Proven ability to lead high-performing teams and influence stakeholders in a complex, matrixed environment.
Highest-signal resume keywords
Senior Leadership Experience in General InsuranceProduct and Underwriting Strategy DevelopmentActuarial Principles and Pricing UnderstandingPortfolio Management and Risk GovernanceStrong Business and Financial Acumen
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Product DevelopmentUnderwriting StrategyPortfolio ManagementRisk GovernancePricing StrategyRegulatory ComplianceContract WordingsMarket AnalysisPerformance MonitoringDecision-Making
Soft Skills
Excellent CommunicationNegotiation SkillsInfluencing StakeholdersCollaborative LeadershipTalent Development
Industry Keywords
Commercial Automobile InsuranceCommercial Property InsuranceSmall Business InsuranceProfit-and-Loss ManagementMatrixed EnvironmentUnderwriting RulesEndorsementsService-Level CommitmentsEmerging Business SegmentsHigh-Performing Teams
About the role
Key responsibilities & impact- Define and execute the Product and Underwriting strategy and roadmap for Commercial Automobile and Commercial Property & Liability
- Lead development of new products and assess the existing portfolio to support growth, profitability and customer needs
- Monitor market, industry and competitor trends and translate insights into strategic product and underwriting decisions
- Own commercial policy contract wordings and provide coverage interpretation to business partners and stakeholders
- Establish and maintain underwriting strategies, rules and manuals aligned with risk appetite, pricing strategies and business objectives
- Monitor portfolio performance and adjust underwriting approaches based on profitability, risk and market conditions
- Oversee complex referrals, renewals, escalations, large total insured value accounts and emerging business segments
- Ensure timely, high-quality underwriting decisions and delivery against referral, renewal and service-level commitments
- Maintain relationships with regulators and ensure required underwriting rules, endorsements, forms and manuals are filed appropriately
- Partner with Pricing, Actuarial, Reinsurance, Risk, Legal, Distribution and other key functions
- Monitor and report on Product and Underwriting performance, identifying opportunities to improve growth, profitability, controls and customer outcomes
- Build a high-performing, inclusive team with strong technical capability, accountability and succession depth
Requirements
What you’ll need- Senior leadership experience in General Insurance, with deep knowledge of Small Business Insurance, Product and Underwriting
- Demonstrated experience developing and executing product and underwriting strategies that support profitable growth
- Strong understanding of actuarial principles, pricing, portfolio management, risk governance and regulatory requirements
- Experience leading complex portfolios and making sound decisions within established risk appetite and control frameworks
- Proven ability to influence senior stakeholders and operate effectively in a highly matrixed environment
- Strong business and financial acumen, including experience supporting profit-and-loss and growth objectives
- Excellent communication, negotiation and executive presence
- Ability to simplify complex issues and align diverse stakeholders
- Collaborative and inclusive people leadership, with a track record of building capability and developing talent
- Ability to bring a clear strategic point of view while remaining open to new information, analysis and different perspectives
Benefits
Comp & perks- Base salary and variable compensation
- Health and well-being benefits
- Savings and retirement programs
- Paid time off
- Banking benefits and discounts
- Career development
- Reward and recognition programs
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Interview accommodations, including accessible meeting rooms and captioning for virtual interviews