Mid-Level Decision Science Analyst - P&C Underwriting Analytics

USAA Life Insurance Company; United States; Hybrid; USD 100,000 - 160,000; Full time

Job summary

USAA Life Insurance Company is seeking a Decision Scientist to optimize underwriting strategies through advanced analytics in a remote-friendly, continental U.S. role with travel. You will analyze complex datasets, synthesize findings, and translate results into clear, actionable recommendations that influence risk precision and growth.

Some on-site work may be required for certain locations. The role emphasizes collaboration with stakeholders, data hygiene, and emerging technology adoption to

Qualifications

• Bachelor's degree in quantitative analytics or closely related field; equivalent experience considered.
• 4+ years in data/analytics within P&C, finance, or related sectors; advanced degree with 2+ years acceptable.
• Strong competency in mathematical and statistical techniques and approaches to drive fact-based decision making.

Responsibilities

• Participates in cross-functional discussions to align objectives and influence solution strategies.
• Applies advanced analytical techniques to solve medium to large-scale business problems.
• Translates insights into actionable recommendations for risk strategies and business decisions.
• Delivers communication materials for stakeholder review and management.
• Uses visualization to present findings to non-technical audiences.
• Gathers and integrates relevant data sources and performs data cleaning.
• Documents methodology, assumptions, validation and testing for compliance.
• Keeps abreast of emerging technologies affecting quantitative analysis.
• Delivers findings that support profitable growth and member protection.
• Ensures risks are identified, measured and controlled per policies.

Skills

Analytical thinking

Statistical methods

Data visualization

Cross-functional collaboration

Education

Bachelor's degree in quantitative analytics

Advanced degree in quantitative analytics

Tools

SQL

SAS

BI tools

Job description

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active‑duty military spouses. USAA roles may offer remote or hybrid flexibility for active‑duty military spouses consistent with applicable policy and business needs.

The Opportunity

This Decision Science role is integral to optimizing underwriting strategies within the personal lines Property & Casualty business. The role focuses on applying advanced analytics and data‑driven insights to answer critical business questions and support decision‑making.

Working with established data assets and in close partnership with business stakeholders, this role will analyze complex datasets, synthesize findings, and translate results into clear, actionable recommendations. Insights will directly inform strategic decisions related to risk precision, risk sharing, risk mitigation, and risk acceptability, ultimately driving profitable growth and enhanced member protection.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60‑mile radius of a USAA office will be expected to work on‑site four days per week.

What you’ll do:

• Leverages intermediate and some advanced business, analytical and technical knowledge to participate in discussions with cross‑functional teams to understand and collaborate on business objectives and influence solution strategies.
• Applies advanced analytical techniques to solve business problems that are typically medium to large scale with impact to current and/or future business strategy.
• Applies innovative and scientific/quantitative analytical approaches to draw conclusions and make 'insight to action' recommendations to answer the business objective and drive the appropriate change.
• Translates recommendation into communication materials to effectively present to colleagues for peer review and mid‑to‑upper‑level management.
• Incorporates visualization techniques to support the relevant points of the analysis and ease the understanding for less technical audiences.
• Identifies and gathers the relevant and quality data sources required to fully answer and address the problem for the recommended strategy through testing or exploratory data analysis (EDA).
• Integrates/transforms disparate data sources and determines the appropriate data hygiene techniques to apply.
• Thoroughly documents assumptions, methodology, validation and testing to facilitate peer reviews and compliance requirements.
• Understands and adopts emerging technology that can affect the application of scientific methodologies and/or quantitative analytical approaches to problem resolutions.
• Delivers analysis/findings in a manner that conveys understanding, influences mid to upper level management, garners support for recommendations, drives business decisions, and influences business strategy.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• Bachelor's degree in quantitative analytics field such as Economics, Finance, Statistics, Mathematics, Actuarial Sciences, Operations Research, Data and/or Business Analysis, Data Science or other quantitative discipline; OR 4 years of related experience in statistics, mathematics or quantitative analytics (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 4 years of experience in data/analytics or functional business experience within the respective industry of responsibility (i.e. P&C, Bank, Finance) OR Advanced degree in quantitative analytics field such as Economics, Finance, Statistics, Mathematics, Actuarial Sciences, Operations Research, Data and/or Business Analysis, Data Science or other quantitative discipline with 2 years experience in data/analytics or functional business experience within the respective industry of responsibility (i.e. P&C, Bank, Finance).
• Demonstrates competency in mathematical and statistical techniques and approaches used to drive fact‑based decision‑making.
• Intermediate and some advanced knowledge of data analysis tools, data visualization, developing analysis queries and procedures in SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect external insights to business problems.

What sets you apart:

• US military experience through military service or a military spouse/domestic partner
• Deep experience with descriptive and prescriptive analytical work supporting Core P&C Insurance Functions
• Extensiv