Senior Commercial Program Underwriter - Remote

CSAA Insurance Group; Arizona; Hybrid; USD 137,000 - 182,000; Full time

Benefits offered by this job

Remote-first culture

Annual discretionary bonus

401(k) with company match

Job summary

Mobilitas is seeking a Senior Commercial Program Underwriter to lead development, onboarding, governance, and performance management of delegated authority programs in the mobility space. You will serve as the primary carrier business owner for these relationships and guide both new program development and ongoing oversight.

The role requires experience in underwriting stewardship, governance, and regulatory compliance, with the ability to manage complex programs and cross-functional teams

Qualifications

• Bachelor's degree in a related area (Business, Finance, Economics, Data Analytics, or related field) or equivalent experience.
• 8+ years of commercial insurance, underwriting, or delegated authority/program management experience.
• Advanced knowledge of delegated authority oversight, governance, and commercial underwriting.

Responsibilities

• Lead assessment and development of new program opportunities and launches.
• Establish and maintain authority matrices and governance for delegated programs.
• Oversee underwriting guidelines, risk selection, and authority limits.
• Manage profitability, performance reviews, and program governance with cross-functional partners.

Skills

Underwriting

Program management

Regulatory compliance

Stakeholder management

Education

Bachelor's degree

Job description

Senior Commercial Program Underwriter - Remote

Requisition Number R7936

Location: Arizona - Home Teleworkers, Alabama - Home Teleworkers, Arkansas - Home Teleworkers, California - Home Teleworkers, Colorado - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine - Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker, Montana - Home Teleworkers, {+ 21 more}

Job Information

We’re Mobilitas, a commercial insurance company created by CSAA Insurance Group. Our mission is to reinvent commercial insurance in the mobility space to offer our partners innovative solutions for today’s way of doing business. At Mobilitas, we believe in what's possible and we use our inventive skills to meet the demands of modern mobility with exceptional service. We’re looking for motivated, innovative individuals who think big, move fast and are dedicated to creating a company from the ground up, without the constraints of a traditional insurance company. We’re excited to push the boundaries of commercial insurance and are looking for enthusiastic team members to help us reimagine insurance.

Your Role

This role supports Mobilitas' programs in the sharing economy and mobility market, including ride-sharing, on-demand and last-mile delivery, autonomous vehicles, and related mobility segments. Directs and coordinates the development, onboarding, governance, and performance management of assigned delegated authority programs and serves as the primary carrier business owner for those relationships. Responsible for both new program development and ongoing program oversight throughout the delegated authority lifecycle. This role will function as a subject-matter expert in delegated authority governance, underwriting stewardship, and new program development, and will be actively engaged with program strategy design and implementation. Manages moderate-to-large or higher-complexity programs that carry moderate-to-higher risk and high regulatory or market complexity.

Your Work

Program Strategy, Development & Launch

Leads assessment and development of new program opportunities and expansions into new markets or products presented by program administrators. Leads underwriting, operational, financial, and strategic due diligence and prepares recommendation and approval materials for internal review forums. Develops program business cases, appetite / pricing framing, revenue and loss projections, launch plans, and milestone schedules. Directs cross-functional onboarding and go-live readiness across Underwriting, Actuarial, Claims, Operations, Finance, Legal / Compliance, and IT. Manages program implementation projects including team coordination, resources, budget, and timelines.

Program Governance & Delegated Authority Oversight

Establishes and maintains authority matrices, referral thresholds, and escalation / intervention frameworks for assigned programs. Leads governance meetings, committee cadence, and material-change reviews (products, systems, ownership, growth spikes). Is responsible for adherence to agreements and drives remediation of governance gaps. Maintains committee structure, reporting cadence, key risk indicators, and portfolio-level aggregation controls.

Underwriting Stewardship

Establishes underwriting guidelines, appetite, class definitions, exclusions, and risk-selection standards delegated to the program administrator. Sets, monitors, and enforces delegated underwriting authority limits, referral thresholds, and breach management. Reviews and approves product structures, policy forms, endorsements, and material wording changes prior to use. Monitors underwriting quality, adherence, drift, and concentration risk; conducts performance reviews and corrective-action planning. Approves pricing methodologies, rating changes, discounts, and surcharges within authority and monitors adherence.

Portfolio Performance & Profitability

Owns profitability and performance management for assigned programs against targets and approved risk appetite. Develops performance action plans and monitors results; identifies and addresses adverse trends. Leads monthly and quarterly performance and stewardship reviews with the program administrator. Validates completeness, accuracy, and timeliness of bordereaux; supports profit-share calculation inputs. Monitors program administrator financial condition, credit exposure, and stress indicators in coordination with Finance.

Relationship Management

Serves as primary carrier relationship owner and day-to-day contact for assigned program administrators. Leads business reviews, performance discussions, and coordination across internal functions. Acts as primary escalation contact and drives resolution of operational and performance issues. Manages relationship health, issue tracking, and follow-through on commitments.

Regulatory, Compliance & Risk Management

Is responsible for regulatory compliance of delegated activities, including outsourcing obligations and regulatory expectations. Drafts, negotiates, maintains, and helps enforce delegated authority agreements, addenda, and amendments in coordination with Legal. Oversees agency / sub-producer appointment, maintenance, and termination to ensure properly licensed and authorized parties.

Required Experience, Education and Skills

Bachelor's degree in a related area (Business, Marketing, Finance, Economics, Data Analytics, or a related field) or an equivalent combination of education and experience is required. 8+ years of increasingly responsible commercial insurance, underwriting, or delegated authority / program management experience. Advanced knowledge of delegated authority oversight, governance, and commercial underwriting. Advanced financial analysis, portfolio management, and profitability-evaluation skills. Proven track record of leading cross-functional partners and influencing without direct authority. Strong due diligence, business-case development, and program-onboarding skills. Skilled negotiator and superb communication and presentation skills with both internal and external partners. Advanced knowledge of regulatory and contractual requirements applicable to delegated authority programs.

What would make us excited about you?

Advanced degrees preferred. Relevant industry designations (eg. CPCU, AU, ARe) preferred. In-depth experience underwriting, developing, or managing programs in the sharing economy and mobility market across multiple segments. Demonstrated experience assessing and structuring coverage for other emerging or specialty risk areas, including navigating limited loss history and evolving regulation. Actively shapes our company culture (e.g., supporting employee resource groups, mentoring employees, volunteering, joining cross-functional projects). Champions our cultural norms (e.g., willing to have cameras on when it matters: helping onboard new team members, building relationships, etc.). Demonstrates a company ownership mindset, thinking beyond boundaries of their own area. Travels as needed for role, including divisional / team meetings and other in-person meetings. Fulfills business needs, which may include investing extra time, helping other teams, etc.

Why Choose a Career at Mobilitas?

At Mobilitas, we are a mission-driven organization proudly committed to empowering our members, our employees, and our communities to thrive. Recognition: We offer a total compensation package, annual bonus eligibility for most roles, 401(k) with a company match, and so much more! Read more about what we offer and what it is like to be a part of our dynamic team at careers.mobilitasinsurance.com. Career Growth: We believe in growth for everyone. Here at Mobilitas, leaders and mentors partner with employees to align interests, unlock development opportunities, and support long‑term success. Flexible Workplace: We embrace a remote-first culture through our Flexible Workplace. Most employees hold Home-Flex roles, working primarily from home, often with the flexibility to work from various locations including Mobilitas offices. Our flexible workplace empowers you to balance remote work with intentional in‑person moments that deepen connection and collaboration. Inclusion and Belonging: An inclusive and welcoming workplace is the cornerstone of our success. By fostering an environment where people feel valued and heard, we deepen our ability to understand and meet the unique needs of our members. This strengthens innovation and enhances our products and services, giving us a competitive edge in the market. Sustainability: As climate change leads to more frequent and severe weather events, we are taking bold action to build more resilient communities and reduce our environmental impact.

Salary and Compensation

The national average salary range for this position is $136,890.00-$152,100.00. However, we have a location-based compensation structure. Our salary ranges vary and are calculated based on work location. The starting pay range for this position across all the states we hire in is $136,890.00-$182,450.00. This role also includes an opportunity for a company‑wide annual discretionary bonus, through our Annual Incentive Plan (AIP), of up to 12% of eligible pay.

Company‑wide Information

Mobilitas does not provide visa sponsorship for this role. Applicants must have authorization to work indefinitely in the US. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Equal Opportunity Statement

CSAA Insurance Group is an equal opportunity employer.

Closing Date

This job posting will be unposted on Sat, 5 Sep 2026.

About CSAA Insurance Group

CSAA Insurance Group offers automobile, home and other personal lines of insurance to AAA Members in 23 states and the District of Columbia. Founded in 1914, the company has been rated "A" or better by AM Best for more than 90 years and, with over $8 billion in revenue, is one of the top personal lines property casualty insurance groups in the United States. Guided by care for people and communities, we cultivate an inclusive and flexible culture that strengthens connection, supports belonging, and empowers employees to make a meaningful difference for those we serve Our Enduring Purpose We help our members and communities prevent, prepare for and recover from life's uncertainties with care and compassion. As a member‑owned insurance company, our enduring purpose inspires us to be a voice for industry change, continually delivering AAA members peace of mind, providing employees the chance to do work that makes a real difference. For more information on CSAA, please visit www.csaa-insurance.aaa.com

Careers at CSAA Insurance Group

A career at CSAA is built one development opportunity at a time, driven by your interests and by leaders who invest in you. Through mentoring, leadership programs, tuition support and hands‑on experiences, you can build a purpose‑driven path with meaningful impact. We prioritize human connection for the AAA members and commercial partners we serve and the employees who bring our shared mission to life. We build a culture of inclusion and belonging that supports community for all. We prioritize people over places, creating a flexible workplace where 95% of employees work remotely and gather in‑person for moments that matter. We take responsibility for the world around us by serving our communities and supporting meaningful action to build a sustainable future. For more information on life at CSAA, please visit https://careers.csaa-insurance.aaa.com/us/en/

Communication and Process

We communicate via email, so check your inbox and/or your spam folder to ensure you don’t miss important updates from us. If you apply and are selected to continue in the recruiting process, we will schedule a preliminary call with you to discuss the role and will disclose during that call the available salary/hourly rate range based on your location. Factors used to determine the actual salary offered may include location, experience, or education.