Senior Remote Underwriter, Commercial Programs & Growth

CSAA; Kentucky; Remote; USD 137,000 - 182,000; Full time

Job summary

Mobilitas is hiring a Senior Commercial Program Underwriter to support mobility and sharing-economy programs, including ride-sharing and on-demand services. You will lead cross-functional onboarding, governance, and performance oversight for delegated authority programs, directing development from strategy to execution.

The role requires 8+ years in commercial insurance underwriting or program management, with expertise in governance, pricing, risk selection, and regulatory compliance.

Qualifications

• 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.

Responsibilities

• 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.
• 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.
• 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.
• 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.
• 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.

Skills

Underwriting governance

Program management

Delegated authority

Financial analysis

Cross-functional leadership

Negotiation

Education

Bachelor's degree in related field

Job description

Mobilitas is hiring a Senior Commercial Program Underwriter to support mobility and sharing-economy programs, including ride-sharing and on-demand services. You will lead cross-functional onboarding, governance, and performance oversight for delegated authority programs, directing development from strategy to execution.

The role requires 8+ years in commercial insurance underwriting or program management, with expertise in governance, pricing, risk selection, and regulatory compliance.