Liberty Mutual

Actuary, Personal Lines Auto State Internal Indications

Liberty Mutual • $95K — $115K *
US-Anywhere
+ 2 other locationsRemote
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Bachelor's degree in Mathematics, Statistics, Economics, Actuarial Science, or related field; Master's preferred.
  • Commitment to achieving ACAS or FCAS designation through CAS exams.
  • 3-5 years experience for Senior Actuarial Analyst; 5-7 years for Actuary.
  • Solid knowledge of actuarial techniques and related business operations.
  • Advanced computing skills in Excel and SAS; ability to build complex models.

Responsibilities

  • Lead state indication work to enhance rate guidance and profit levels.
  • Shape state indication strategy using advanced actuarial methods.
  • Identify and recommend enhancements to actuarial processes and methodologies.
  • Collaborate with Risk Analytics and State Operations for tailored state strategies.
  • Provide insights to influence state-level decision-making for profitability.
  • Build trust with stakeholders to facilitate cross-departmental collaboration.
  • Mentor junior team members and support a high-performing team culture.

Benefits

  • Collaborative work environment that encourages engagement and input.
  • Opportunity for professional development through coaching and mentoring.
  • Exposure to diverse stakeholders across various business functions.
  • Focus on enhancing operational excellence and innovation in methodologies.
Full Job Description
Description

The US Retail Markets (USRM) Personal Lines (PL) Auto State indications team is looking for a Senior Actuarial Analyst / Actuary to join our team. In this highly impactful role, you will play a pivotal role in producing quarterly rate indications to support rate decisions. This is a unique opportunity to help drive enhancements and sophistication to our processes and methodology. This position will work in a collaborative environment with partners and stakeholders in Risk Analytics and State Management.

**This is a ranged posting for a Senior Actuarial Analyst or an Actuary. Level offered is based on candidate experience at manager discretion.**

This role may have in-office requirements depending on candidate location.

As an Actuary, you will:
  • Lead work on state indications that serve as a foundation for rate guidance, ensuring that our rate actions and underwriting levers improve each state's profit position.
  • Play a pivotal role in shaping state indication strategy, leveraging a robust suite of actuarial methods.
  • Help identify and propose enhancements to our existing processes and methodologies to drive for operational excellence.
  • Be an influential partner with other Risk Analytics subject matter experts to ensure a comprehensive understanding of unique state features, and collaborate with Directors of State Operations to develop customized state levers.
  • Share your insights and recommendations which will greatly influence state-level decision-making and contribute to our goal of achieving top-quartile profitability.
  • Build trust, credibility, and strong relationships will enable you to influence decisions and execution beyond the Auto Analytics team.
  • Be a senior member of the team and also contribute to fostering an inclusive, equitable, and high-performing culture.
  • Coach and mentor junior team members, sharing your expertise and supporting their development.

In this role, you can expect to:
  • Deliver state level indications to internal stakeholders to drive actions and influence decisions to achieve top quartile profitability.
  • Build indications tools and processes to increase our organizational understanding of our methodology and inform state level profitability position.
  • Proactively identify opportunities, drive analysis, and make recommendations for appropriate strategies to develop, evaluate and enhance state level profitability.
  • Act as a trusted partner to State Management to help inform and influence state-specific strategy and tactics, including pricing and underwriting levers.
  • Collaborate with Country Wide (CW) Indications, CW State Analytics, Actuarial, Finance, Claims and Data Science to gain better understanding and assess and improve profitability with a state focus.
  • Support cross-team initiatives to enrich the deliverables with state-specific insights.
  • Building trust and credibility with teams beyond State Analytics to drive decisions and execution.
  • Support an inclusive, equitable and high performing culture.
  • Coach and mentor junior team members.

Ideal candidate will have:
  • Strong technical proficiency in Excel (e.g., pivot tables, advanced formulas, data modeling) and SQL, with demonstrated experience querying and manipulating large datasets.
  • Ability to design and build scalable, repeatable processes for data extraction, transformation, and reporting.
  • Excellent communication skills, both written and verbal, with the ability to translate technical or analytical findings into clear, actionable insights for non-technical audiences.
  • Strong stakeholder management skills, including the ability to gather and interpret stakeholder requirements, ask clarifying questions, and respond to follow-up questions with confidence and clarity.
  • Comfort working cross-functionally and managing multiple stakeholder relationships simultaneously.
  • Detail-oriented mindset with strong organizational and prioritization skills.


Qualifications

This is a ranged posting. Qualifications are as follows for each level of consideration:

Senior Actuarial Analyst
  • Proven math and analytical skills, as normally acquired through the pursuit of a Bachelor's degree in Mathematics, Statistics, Economics, Actuarial Science, or related field.
  • Commitment to achieving Associateship or Fellowship in the Casualty Actuarial Society.
  • Passing grades on a minimum of 5 Casualty Actuarial Exams is required.
  • Minimum 3-5 years relevant experience required.
  • Prior experience and solid knowledge of actuarial techniques and standards, as well as other business operations including financial, underwriting, legal, statistics, claims, sales, etc.
  • Solid oral and written and presentation communication skills and ability to interact effectively within and outside the organization.
  • Solid interpersonal skills and the ability to work in a team environment as well as independently.
  • Ability to motivate and mentor peers and motivate and train subordinates.
  • Ability to exercise discretion, and apply independent judgment and well-developed critical thinking skills in execution of assignments and projects.
  • Ability to balance multiple projects with minimal direction.
  • Advanced computing skills (MS Office Excel, SAS, etc.); Ability to build models of moderate complexity.

Actuary
  • Bachelor's degree required; Master's degree preferred.
  • Associateship or Fellowship in the Casualty Actuarial Society (ACAS/FCAS) designation preferred or comparable education/designation with relevant experience.
  • Minimum 5-7 years relevant experience required.
  • Sound knowledge of actuarial techniques and standards, as well as other business operations including financial, underwriting, legal, statistics, claims, sales, etc.
  • Advanced communication and interpersonal skills and ability to build relationships and interact effectively with others within and outside the organization.
  • Ability to motivate and mentor peers and motivate and train subordinates.
  • Advanced computing skills (MS Office Excel, SAS, etc.) with ability to build complex models.




About Liberty Mutual

Since 1912, Liberty Mutual Insurance have committed theirselves to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs. Their delivery on this commitment is the reason they're now the third largest property and casualty insurer in the U.S. based on 2012 direct premium written according to the National Association of Insurance Commissioners.

Liberty Mutual Careers

Join the vibrant team at Liberty Mutual, a leading global insurance company, where your career is in your hands. At Liberty Mutual, we are committed to fostering an inclusive culture that values diversity and innovation. With a variety of job opportunities across multiple fields, this is where your professional journey can truly flourish.

Work You’ll Do

At Liberty Mutual, you’ll be part of a team that’s dedicated to empowering people to live safer, more secure lives. Whether you’re interested in a position in claims handling, underwriting, or customer service, you’ll find a platform here to enhance your skills and push the boundaries of what you can achieve.

Explore Our Job Opportunities

Liberty Mutual offers a range of career paths for both seasoned professionals and those just starting out. Our internship programs provide invaluable hands-on experience, helping to bridge the gap between education and full-time employment. For those seeking to grow their career, we offer positions that challenge and inspire, backed by benefits that support both professional and personal growth.

Innovate with Us

Innovation is at the heart of Liberty Mutual. We encourage our team to bring fresh ideas that drive industry leadership and improve customer experiences. By joining our team, you’ll collaborate with talented professionals who are keen on developing solutions that lead the market.

Develop Your Career

Liberty Mutual is deeply invested in the professional development of its employees. With comprehensive diversity training and leadership programs, we prepare you to take on leadership roles within the company. Networking opportunities within the company can lead to mentorship and further career advancement.

Benefits of Joining Liberty Mutual

Working at Liberty Mutual comes with numerous benefits. From competitive salaries to health and wellness programs, we ensure our team members are well taken care of. More than just a job, a position at Liberty Mutual is a stepping stone to a fulfilling career.

Join Our Team

Ready to take the next step in your career? Explore the job opportunities at Liberty Mutual. We are actively hiring and looking for individuals who are passionate, curious, and ready to drive change. Enhance your resume, prepare for your interview, and become part of a company that values your unique skills and vision.

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Liberty Mutual: A Place to Grow, Innovate, and Lead

Discover how you can make a difference. Visit our careers page to find the position that’s right for you and join a team that’s committed to growth, leadership, and innovation. At Liberty Mutual, your career is what you make it.
Learn more about Liberty Mutual
Size
45,000 employees
Industry
Finance & Insurance
Founded
1912
* Ladders Estimates

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