Actuary, Auto Analytics, State Deep Dive

Liberty Mutual Group; Boston (MA); Hybrid; USD 130,000 - 190,000; Full time

Job summary

Liberty Mutual Insurance seeks an experienced actuarial professional to support the Auto Analytics State Deep Dive team in shaping state strategy and profitability. You will analyze segment performance, identify pricing and underwriting opportunities, and partner with Tactical Pricing and Underwriting to implement changes.

You'll build growth and profitability projections, monitor market trends, and translate insights into actionable recommendations for state leadership.

Qualifications

• Bachelor's degree required; Master’s degree preferred.
• ACAS/FCAS or ASA/FSA designation preferred or comparable education/designation with relevant experience.
• Minimum 5-7 years relevant experience required.
• Sound knowledge of actuarial techniques and standards.
• Advanced communication and interpersonal skills and ability to build relationships.

Responsibilities

• Turn segmentation insight into pricing and underwriting changes.
• Inform state strategy and planning with PIF, retention and loss ratio projections.
• Monitor performance and drive tactical action from trends.
• Evaluate program launches and initiatives and measure performance.
• Be a trusted partner to DSOs with timely insights and recommendations.
• Become the state expert on product history, regulatory environment and market dynamics.
• Collaborate across teams to reflect state-specific needs.
• Work to enhance analytical tools and AI for efficient analysis.

Skills

Analytical mindset

Communication

Cross-functional collaboration

Modeling

Education

Bachelor's degree

Master’s degree preferred

ACAS/FCAS or ASA/FSA designation preferred

Tools

SAS

MS Excel

Job description

Description

The Auto Analytics State Deep Dive team is the analytical partner to state leadership in Liberty Mutual’s largest and most complex Personal Auto markets. In this role you will work directly with the Directors of State Operations (DSOs) on the questions that shape each state’s direction. You will analyze segment-level performance to identify targeted pricing and underwriting changes, and partner with Tactical Pricing and Underwriting teams to implement them. You will build the growth and profitability projections behind state planning and key strategic decisions, such as rating program launches, distribution strategy and responses to competitive moves. You will also monitor marketplace, operational and claims trends to catch emerging opportunities and risks early, and turn those insights into tactical actions with partners across Risk Analytics and the business. You will join a team of three actuaries and report to the Auto Analytics State Deep Dive Team Manager. Your work will directly shape state strategy and support Liberty’s goal of top-quartile profitability.

• Applicants that live within 50 miles of the following Liberty Mutual offices will have a 2 day/week hybrid requirement: Boston, MA; Portsmouth, NH; Columbus, OH; Seattle, WA; and Plano, TX.**

Responsibilities

• Turn segmentation insight into pricing and underwriting change. Identify underwriting rules and segment-level opportunities in rating variables, coverage limits and discounts. Partner with Tactical Pricing, Underwriting and Product teams to move recommendations into implementation.
• Inform state strategy and planning. Build policies in force (PIF), retention and loss ratio projections for annual planning, long-range growth targets, program launches and rate changes. Quantify the growth and profitability trade-offs behind major strategic decisions.
• Monitor performance and drive tactical action. Track marketplace, operational and claims trends. Discover what is driving the changes and proactively identify opportunities for tactical actions.
• Evaluate program launches and initiatives. Measure how new rating programs, underwriting models and state initiatives perform against expectations, including retention, renewal dislocation, mix and loss ratio. Recommend course corrections.
• Be a trusted partner to your DSOs. Bring forward-looking insights and recommendations, answer time-sensitive business questions quickly, and frame findings around decisions, impact and trade-offs.
• Become the expert on your states. Build deep knowledge of each state’s product and program history, regulatory environment, competitive landscape and market dynamics. Use competitor filings and industry developments to anticipate change.
• Collaborate across the organization. Work with Countrywide Analytics, Indications, Tactical Pricing, Product, Underwriting, Modeling, Claims, Reserving, Finance and Distribution so that cross-team work reflects state-specific needs.
• Work smarter. Leverage and enhance the team’s analytical tools, automation and AI to spend less time on routine work and more on interpretation and partner engagement.
• Contribute to the team culture. Share findings, methods and state knowledge openly, and help build an inclusive, high-performing team.

Qualifications

• Bachelor's degree required; Master’s degree preferred.
• Associateship or Fellowship in the Casualty Actuarial Society (ACAS/FCAS) or in Society of Actuaries (ASA/FSA) designation preferred or comparable education/designation with relevant experience.
• Minimum 5-7 years relevant experience required.
• Sound knowledge of actuarial techniques and standards, as well as other business operations including financial, underwriting, legal, statistics, claims, sales, etc.
• Advanced communication and interpersonal skills and ability to build relationships and interact effectively with others within and outside the organization.
• Ability to motivate and mentor peers and motivate and train subordinates.
• Advanced computing skills (MS Office Excel, SAS, etc.) with ability to build complex models.

About Us

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

Fair Chance Notices

• California
• Los Angeles Incorporated
• Los Angeles Unincorporated
• Philadelphia
• San Francisco