Director, Commercial Portfolio Accounts - Product and Underwriting - Remote

Job Title
Director, Commercial Portfolio Accounts - Product and Underwriting - RemoteLocation
Arizona - Home TeleworkersAdditional Locations
Job Information

We are actively hiring for a Director, Commercial Portfolio Accounts - Product and Underwriting!

This role provides leadership and strategic direction for the team responsible for the underwriting, pricing, quoting, implementation, and ongoing lifecycle management of Mobilitas Commercial Portfolio Accounts. The role is responsible for designing and deploying the underwriting philosophy, appetite, guidelines, tools, and processes that enable profitable, repeatable growth, while maintaining accountability for the profitability and composition of the Portfolio Accounts book in partnership with Actuarial and Finance. In close partnership with the Client Organization, this leader drives product and underwriting engagement that supports client management and business development and cultivates broker relationships that generate consistent, in-appetite submission flow. Success is measured across financial performance, underwriting quality, operational throughput, team capability, and broker and client experience

Your Work:

• Leads a team of product management and underwriting professionals; hires, develops, and retains high-performing, highly engaged underwriters, and builds the technical bench and segment expertise for the vertical.
• Leads underwriting, pricing, quoting, implementation, and lifecycle management of new business and renewal accounts falling below the strategic and large account threshold.
• Accountable for underwriting profitability, growth, and retention of the Portfolio Accounts book, including rate adequacy, segment and state mix, concentration, and remediation or exit of underperforming cohorts, with support of Finance and Actuarial.
• Accountable for the ongoing development of underwriting guidelines, monitoring their effectiveness, and ensuring the book consists only of eligible risks.
• Responsible for designing, implementing, and continuously improving underwriting tools, processes, and procedures to ensure both excellent efficiency and high-quality outcomes, including fast-path submission-to-quote-to-bind workflow, triage rules, and minimum data requirements
• Uses defined pilot accounts and cohorts to test appetite, structure, pricing, and workflow changes against stated success measures and exposure limits, and converts validated learning into standard guidelines, rating approaches, and forms.
• Identifies and executes opportunities to streamline process, apply advanced technology and analytics, and enhance risk assessment methods; ensures documented human oversight and explainability for any model-assisted eligibility or pricing decision.
• Invests in and maintains multi-level broker and wholesaler relationships, collaborating with them on solutions for emerging exposures and managing distribution productivity, appetite fit, and bind conversion.
• In partnership with the Client Organization, supports client targeting, business development, onboarding, and renewal strategy, and acts as the underwriting escalation point for the book.
• Establishes and monitors account-level and book-level KPIs and supports the business review cadence for in-scope Portfolio Accounts.
• Coordinates effectively with Client Organization, Operations, Claims, IT, Billing, Finance, Accounting, Actuarial, Product Development, Legal, and Compliance.
• Prepares and presents referrals exceeding delegated authority to the Underwriting Committee; tracks outcomes and maintains decision records for the book.
• Provides book-level results and outlook reporting to divisional leadership and contributes Portfolio Accounts content to quarterly business reviews, large loss, and reserving discussions.
• In partnership with the Reinsurance team, provides account- and portfolio-level input into ceded structure, treaty design, and quota share economics for the book.
• Trains and upskills product managers and underwriters, and serves as SME for Portfolio Account Managers and Development Product Managers across the department.
• Manages portfolio performance through changing market and underwriting cycles, maintaining disciplined growth and profitability targets.

Required Experience, Education and Skills:

• 10 years of related work experience with 7 years of progressively more responsible assignments within the insurance industry
• Proven ability to lead others directly or indirectly, as demonstrated through 5+ years of leading teams, enterprise-wide programs, or large cross-functional programs
• Bachelor of Arts or Bachelor of Science, or equivalent combination of education and experience
• Expert at underwriting for many commercial lines products; thorough mastery of commercial lines forms, coverage, product rules, rating algorithms, risk-sharing models, and pricing models.
• Demonstrated ability to manage a book of business to a profitability target, including rate, mix, concentration, and retention actions with at least 2 years managing a book of business to a stated profitability target (highly preferred).
• Familiarity with primary and excess insurance, surplus lines, large and matching deductibles, collateral and credit risk, third party claims administrators, MGAs and MGUs, fronting programs, and ceded and assumed reinsurance.
• Proven ability to build repeatable underwriting processes and measure throughput, quality, and consistency.
• Skilled coach and mentor; able to attract, develop, and retain high-performing underwriting talent.
• Broker and distribution relationship building skills, with the ability to convert relationships into measurable submission flow.
• Deep knowledge of the P&C industry, competitors, insurance product pricing, and financial drivers of profitability; comprehensive understanding of legislative and Department of Insurance regulations.
• Analytical fluency with portfolio reporting and data tools, including the judgment to interrogate model outputs for bias, explainability, and fairness risk.
• Consultative leadership style; strong organizational, problem-solving, negotiation, and influencing skills.
• Strategic thinker and hands-on contributor; well-developed oral and written communication skills.

What would make us excited about you?

• Master of Business Administration
• CPCU or similar certification
• Successful tenure in a similar leadership role with verifiable results
• Ability to create a collaborative, inclusive and psychologically safe environment, demonstrating authenticity and fostering trust to inspire and empower team members and colleagues
• Actively shapes our company culture through words and actions (e.g., sponsoring an employee resource group, mentoring employees, volunteering, joining cross-functional committee / team, encouraging team member involvement in these activities)
• Models our Core Beliefs and champions our cultural norms (e.g., willing to have cameras when it matters: interviewing candidates, building relationships with team members, etc.)
• Delivers our strategy through an enterprise lens, staying informed of key enterprise initiatives, industry trends, and business results
• Demonstrates a company ownership mindset, thinking beyond boundaries of their own area Travels as needed for role, including enterprise meetings, divisional / team meetings, representing the company at industry events, and other in-person meetings

Submit your application to be considered. 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.

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.).