Program Lead, Insurance View role

Etude Capital LLC; United States; Remote; USD 230,000 - 380,000; Full time

Benefits offered by this job

Remote work

Job summary

Etude Capital LLC is building a new specialty program portfolio in the insurance space. The Program Lead will define strategy, establish relationships with program administrators, MGAs, and other sources, and own growth and profitability from concept to launch.

This is a senior hunter role with P&L accountability. You will source and close major opportunities across commercial property and casualty, with support from an AI-enabled platform, engineering, actuarial, and claims teams.

Qualifications

• 15+ years of commercial P&C experience.
• 8+ years building and scaling programs with premium growth.
• Senior-level relationships with carriers and MGAs.
• Proven P&L management for a program portfolio.
• Deep knowledge of commercial property coverage and underwriting guidelines.
• Executive negotiation for program agreements and capacity terms.
• Experience recruiting and leading program, underwriting, or business development teams.
• Proactive hunter mindset with willingness to travel 30–40%.

Responsibilities

• Set program growth strategy across classes, states, and partners.
• Source and close major program opportunities via network of administrators, MGAs, wholesalers, and associations.
• Evaluate opportunities based on market size, loss history, distribution reach, and risk alignment.
• Lead executive negotiations on commissions, profit sharing, underwriting authority, and multi-year contracts.
• Own program business plans, premium projections, and loss-ratio targets; present to carriers and board.
• Establish appetite, guidelines, rating structures, and authority levels with underwriting and actuarial teams.
• Oversee due diligence, contract execution, regulatory filings, and launch across legal, compliance, product, and ops teams.
• Recruit, mentor, and lead program managers and business development staff as portfolio expands.
• Represent the business in the market; participate in panels and industry events.

Skills

Executive leadership

Program management

P&C insurance

Strategic planning

Negotiation

Business development

P&L management

Networking

Travel willingness

Job description

About the business

Etude operates in insurance, commercial real estate, and industrials. Our insurance business covers more than 5,000 properties with billions of dollars in insured value. Our real estate business owns approximately $1B of commercial property alongside the Kinder Family Office. Our industrial business is developing a multibillion-dollar, 40-acre steelworks to secure the domestic supply chain for electrical infrastructure.

About the team

We are roughly a 100-person team. We hire high-agency people and give them autonomy, responsibility, and diverse problems to work on. We operate with the intensity of a small company where every person's work is visible and believe responsiveness is a form of respect. If you're looking for a place to sharpen your craft alongside people who take their work seriously, you'll fit right in.

About the role

The Program Lead is a senior executive who will build and own our specialty program portfolio. You will define the program strategy and establish relationships with program administrators, MGA agents, and other production sources. You will guide each new program from concept to launch and scaling, owning both its growth and profitability.

This is a senior hunter role with P&L accountability. You will personally source and close the largest opportunities across commercial property and casualty lines, representing our E&S carrier across a variety of business areas. As a new carrier, we are open to exploring various classes of business.

You will be supported by a fully AI-enabled platform, a team of engineers, an actuarial and insurance product department, and a fully integrated claims function.

Location: Remote (US), with regular travel to partners and industry events.

What you'll do

Set strategy and win new programs

• Define the program growth strategy: determine which classes, states, and partners to pursue or pass on


• Personally source and close major program opportunities through your network of program administrators, MGAs, wholesalers, and industry associations


• Evaluate opportunities based on market size, loss history, distribution reach, and alignment with our risk appetite


• Lead executive-level negotiations regarding commissions, profit sharing, underwriting authority, and multi-year contract terms

Secure capacity and launch

• Own program business plans, premium projections, and loss-ratio targets presented to carriers and the board


• Establish appetite, guidelines, rating structures, and authority levels in collaboration with underwriting and actuarial teams


• Oversee due diligence, contract execution, regulatory filings, and launch execution across legal, compliance, product, and operations teams

Own the P&L and build the team

• Manage the program portfolio P&L, including written premium, loss ratio, profit sharing, and expenses


• Conduct executive business reviews with partners and carriers, proactively addressing performance variances


• Drive expansion into new geographic regions, adjacent business classes, and additional coverage offerings


• Recruit, mentor, and lead program managers and business development staff as the portfolio expands

Represent the business in the market

• Serve as the public representative for the company in the program market, including participating in panel discussions and industry events


• Advise the executive team on competitor activity, market capacity, pricing trends, and potential strategic partnerships or M&A opportunities

What you bring

• 15+ years of experience in commercial P&C, with at least 8 years focused on program business at an MGA, program administrator, carrier program unit, or wholesale broker


• Demonstrated track record of launching and scaling multiple programs with proven premium growth and favorable loss ratios


• Established senior-level relationships across insurance carriers, fronting carriers, reinsurers, and program administrators


• Proven experience managing P&L for a program or portfolio, including budget oversight and achieving profitability targets


• Deep knowledge of commercial property coverage, risk rating, and underwriting guidelines


• Executive-level negotiation skills in structuring program agreements, capacity commitments, and profit-sharing terms


• Proven experience recruiting, managing, and leading program, underwriting, or business development teams


• Proactive hunter mindset with a commitment to personally prospecting and closing deals


• Active P&C license preferred


• Willingness to travel 30% to 40%

Nice to have

• Background in underwriting leadership prior to transitioning into program development


• Experience establishing a new MGA or program unit from inception


• Professional designations such as CPCU, CIC, or ARM


• Board or committee participation in TMPAA, AAMGA, or similar industry associations


• Experience in high-growth environment

Employment at Etude is contingent upon a satisfactory verification of a general and criminal background check.