The Senior Director, Underwriting is a strategic leader responsible for driving underwriting excellence, portfolio performance, and disciplined risk management across the Asset Protection Division. This role partners closely with Product, Actuarial, Finance, Sales, and Operations leaders to develop and execute underwriting strategies that support profitable growth while maintaining appropriate risk controls. The leader will leverage data, analytics, market insights, and industry trends to optimize portfolio results, enhance underwriting governance, and ensure alignment between business objectives and risk appetite. The position also serves as a key advisor to executive leadership and is responsible for developing a high-performing underwriting organization.

Key Responsibilities

• Leads enterprise portfolio risk management and performance oversight across multiple products, distribution channels, and geographies. Accountable for interpreting complex data and market trends to inform strategic decisions, influence profitability outcomes, and proactively manage risk exposure at a portfolio level.
• Directs underwriting strategy execution and governance, partnering with leadership to ensure consistent application of pricing, eligibility, and exception frameworks. Exercises independent judgment in ambiguous, high-impact scenarios, leveraging advanced analytics and modeling to guide decision-making and drive disciplined execution.
• Provides thought leadership in analytical integration, overseeing development and application of models, forecasts, and simulations. Translate complex concepts into actionable business strategies, informing reserving, pricing, and risk mitigation decisions across new and existing programs.
• Shapes product strategy through cross-functional leadership, influencing the design, development, and optimization of products in partnership with Product and Actuarial teams. Evaluates financial and risk implications of product changes, guiding strategic initiatives that align growth objectives with portfolio performance and risk tolerance.
• Drives operational excellence and organizational capability, establishing scalable processes, tools, and governance frameworks to enhance consistency and efficiency. Leads, develops, and mentors talent, fostering a high-performance culture while providing executive-level reporting and insights to senior leadership.

Knowledge, Skills, Attributes:

• Deep understanding of underwriting principles, portfolio management, and risk assessment.
• Strong analytical and quantitative capabilities, including forecasting, modeling, and trend analysis.
• Ability to interpret complex financial, actuarial, and underwriting data and translate insights into business strategy.
• Proven ability to balance growth objectives with profitability and risk management goals.
• Strong business acumen and strategic thinking skills.
• Excellent executive communication, presentation, and stakeholder management abilities.
• Demonstrated success leading cross-functional initiatives and influencing organizational outcomes.
• Strong people leadership, coaching, and talent development capabilities.
• Ability to navigate ambiguity and make sound decisions in complex business environments.

Required Qualifications:

• Bachelor's degree in Business, Finance, Economics, Risk Management, Mathematics, Actuarial Science, or a related field.
• 7 years of progressive experience in underwriting, portfolio management, product management, risk management, actuarial, or related insurance disciplines.
• 4+ years relevant leadership experience.
• Experience managing portfolio performance and profitability across multiple products, programs, markets, or distribution channels.
• Demonstrated leadership experience with direct people management responsibilities.
• Experience partnering with cross-functional stakeholders to drive business strategy and operational execution.
• Proven experience utilizing analytics and performance metrics to support strategic decision-making.

Preferred Qualifications:

• Advanced degree such as MBA, MS, or related discipline.
• 8+ years of progressive experience in underwriting, portfolio management, product management, risk management, actuarial, or related insurance disciplines.
• Experience within automotive F&I, extended service contracts, vehicle protection products, warranty administration, specialty insurance, or adjacent P&C markets.
• Experience supporting product development, pricing strategy, reserving, or predictive analytics initiatives.
• Experience leading enterprise-wide underwriting transformation, governance, or technology modernization efforts.
• Industry certifications relevant to underwriting, risk management, or insurance operations.

$137,000 - $210,000 a year

Protective's targeted salary range for this position is $137,000 to $175,000. Actual salaries may vary depending on factors, including but not limited to, job location, skills, and experience. The range listed is just one component of Protective's total compensation package for employees. This position also offers additional incentive opportunities through an annual incentive based on individual and Company performance.

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Employee Benefits:

We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective's platform to improve wellbeing while earning cash rewards.

Eligibility for certain benefits may vary by position in accordance with the terms of the Company's benefit plans.