Liberty Mutual
Director , Personal Lines Underwriting Strategy
Job Description
Description
At Liberty, our Personal Lines Auto Product team partners across the company to build and roll out auto insurance solutions that keep pace with what customers and agents need. We focus exclusively on auto, bringing deep expertise, data and analytics to deliver strong state-by-state results while modernizing how we price policies and the technology that supports them. Organized around four core areas—Delivery & Development, Underwriting Effectiveness, State Management, and Mobility Solutions—we work collaboratively to live our purpose: helping people embrace today and confidently pursue tomorrow.
The Personal Lines Auto Underwriting Effectiveness team is looking for a Director, Product Analysis, to define and govern the underwriting appetite for personal auto insurance.
As member of the Underwriting Practices team, you will set clear, data-driven, countrywide eligibility guidelines for both new and in-force business and translate strategy into consistent, executable underwriting standards across states, channels, and platforms. This role operates with broad influence across U.S. Personal Lines functions at Liberty Mutual. The ideal candidate has deep personal lines auto underwriting knowledge, strong cross-functional collaboration experience and excellent communication and storytelling skills.
Key responsibilities
- Own and evolve the countrywide underwriting appetite for personal auto, including eligibility, and set guardrails that allow disciplined underwriting with appropriate flexibility.
- Ensure underwriting practices are aligned with pricing to deliver profitable growth and strong retention.
- Lead regular reviews of underwriting rules and eligibility criteria to maintain effectiveness, competitiveness, and regulatory compliance; promote consistent interpretation and application across channels and states.
- Evaluate and implement changes to underwriting guidelines, risk acceptance practices, and decisioning frameworks, balancing risk selection with business objectives.
- Collaborate cross-functionally to clarify appetite, ensure compliant implementation, and translate strategy into automated rules and front-line tools.
- Influence outcomes and mentor underwriting team members by demonstrating expertise on risk selection.
**This position may have in-office requirements depending on candidate location. **
Qualifications
- Bachelor’s degree in business, economics, or other quantitative field. 6 years, typically 8 years or more relevant work experience, typically 8 years. Master’s degree beneficial.
- Proficient in Excel, PowerPoint, and data analysis software (e.g., SAS)
- Comprehensive knowledge of Personal Lines insurance with expertise in auto insurance products
- Significant experience with stakeholder management and collaboration with teams spanning Risk Analytics, State Management, Delivery, IT, Distribution, Operations, & Claims to drive underwriting strategy
- Must have exceptional planning, organization, analytical, decision-making and communication skills.
- Experience directly managing projects preferred
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://LMI.co/Benefits
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran’s status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
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