Strategic Portfolio Risk & Underwriting Director

Protective Life; United States; On-site; USD 137,000 - 210,000; Full time

Benefits offered by this job

Health, dental, vision insurance

401(k) with company match

Paid time away and parental leave

Job summary

Protective Asset Protection seeks a senior underwriting leader to connect underwriting judgment with actuarial analysis, pricing, forecasting, and portfolio performance management across automotive finance and protection products. You will lead strategy, governance, and talent development while advising executive leadership on growth and risk.

You will partner across Actuarial, Product, Finance, Sales, Operations, and Technology to drive profitability, disciplined risk selection, and scalable

Qualifications

• Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics, Finance, Risk Management, Business, or a related field.
• 7+ years of progressive experience in underwriting, actuarial, portfolio management, product management, risk management, or a related insurance discipline.
• 4+ years of relevant leadership experience, including direct people management.
• Experience managing portfolio performance and profitability across multiple products, programs, markets, or distribution channels.
• Experience using analytics, performance metrics, and financial insights to support strategic decisions and portfolio actions.
• Demonstrated success partnering across functions to shape business strategy and execute complex initiatives.
• Ability to present recommendations and influence decisions at the senior-leadership level.

Responsibilities

• Lead portfolio risk management and performance oversight across products, programs, distribution channels, and geographies.
• Analyze loss, exposure, pricing, frequency, severity, mix-of-business, and market trends to identify emerging risks.
• Direct underwriting strategy and governance, including pricing, eligibility, authority, referral, and exception frameworks.
• Partner with Actuarial, Product, Finance, Sales, and Operations to evaluate product changes and pricing actions.
• Guide the development and use of forecasts, predictive models, dashboards, and scenario analyses.
• Establish portfolio monitoring routines and executive reporting for profitability and risk visibility.
• Influence product design and program strategy on financial outcomes and risk appetite.
• Lead complex decisions in ambiguous situations and communicate recommendations to senior leadership.
• Improve underwriting processes, data, tools, controls, and governance for scalability.
• Lead, coach, and develop a high-performing team.

Skills

Underwriting

Portfolio management

Risk management

Actuarial analysis

Pricing

Forecasting

Executive communication

Leadership

Cross-functional collaboration

Education

Bachelor’s degree in a related field

Tools

Dashboards (BI)

Predictive models

Scenario analysis tools

Job description

Protective Asset Protection seeks a senior underwriting leader to connect underwriting judgment with actuarial analysis, pricing, forecasting, and portfolio performance management across automotive finance and protection products. You will lead strategy, governance, and talent development while advising executive leadership on growth and risk.

You will partner across Actuarial, Product, Finance, Sales, Operations, and Technology to drive profitability, disciplined risk selection, and scalable