Head of Insurance Programs

• Own Roamly's portfolio of insurance programs end to end, including current and future programs
• Own program performance across loss ratio, combined ratio, premium growth, retention, and mix
• Establish KPI frameworks and reporting cadences for each program
• Run monthly and quarterly performance reviews
• Diagnose adverse trends and drive corrective action through rate, appetite, guideline, or program restructuring changes
• Represent the program portfolio to executive leadership, carrier partners, and reinsurers
• Ensure programs operate within regulatory, contractual, and carrier requirements across jurisdictions
• Own underwriting guidelines, risk selection criteria, appetite, and authority levels across programs
• Oversee daily underwriting referrals and exception decisions within service-level agreements and delegated authority
• Lead portfolio underwriting, monitoring in-force distribution, exposure concentration, and segment-level results
• Keep guidelines, referral thresholds, and underwriting documentation current, audit-ready, and used
• Oversee portfolio and account-level pricing, loss cost modeling, and risk segmentation
• Own rate adequacy, lead indication processes, translate analysis into pricing and appetite decisions, and drive filing strategy and implementation timelines
• Partner on reserving and claims analysis
• Collaborate with Sales, Claims, Actuarial, Legal and Compliance, Product, and Engineering
• Apply AI and automation to underwriting workflows such as referral triage, risk selection, and portfolio monitoring

• Real fluency in P&C auto, carshare and rideshare, RV, and adjacent mobility insurance lines across multiple jurisdictions
• Experience owning insurance programs end to end, including products and programs in market and new programs
• Ability to set appetite, guidelines, and rate strategy
• Ability to present at renewal to carrier partners
• Ability to build business cases for new insurance programs
• Experience with underwriting referrals, exceptions, and authority decisions
• Experience with underwriting and actuarial discipline
• Experience managing carrier and reinsurer relationships
• Ability to work across regulatory, contractual, and carrier requirements in multiple jurisdictions
• Experience with loss ratio, combined ratio, premium growth, retention, and portfolio mix
• Ability to establish KPI frameworks and reporting cadences
• Experience diagnosing adverse trends and driving corrective action
• Experience owning underwriting guidelines, risk selection criteria, appetite, and authority levels
• Experience overseeing underwriting referrals and exception decisions within service level agreements and delegated authority
• Experience with portfolio underwriting, in-force distribution, exposure concentration, and segment-level results
• Ability to maintain audit-ready underwriting documentation
• Experience with portfolio and account-level pricing, loss cost modeling, and risk segmentation
• Experience leading rate indication processes, pricing and appetite decisions, filing strategy, and implementation timelines
• Experience partnering on reserving and claims analysis
• Ability to partner with Sales, Claims, Actuarial, Legal and Compliance, Product, and Engineering
• Ability to apply AI and automation to underwriting workflows, including referral triage, risk selection, and portfolio monitoring

Demonstrates expertise in managing insurance programs end to end, with a strong focus on underwriting guidelines, risk selection, and performance metrics. Proficient in applying AI and automation to enhance underwriting workflows and ensure compliance across multiple jurisdictions.

• P&C Auto Insurance
• Underwriting Guidelines Management
• KPI Framework Establishment
• Loss Ratio Analysis
• Portfolio Underwriting

• Insurance Program Management
• Rate Strategy Development
• Risk Segmentation
• Loss Cost Modeling
• Adverse Trend Diagnosis
• Portfolio Pricing
• Underwriting Documentation Maintenance
• Authority Decision Making
• Performance Review Execution
• Claims Analysis

• Presentation Skills
• Collaboration
• Business Case Development
• Relationship Management
• Problem Solving

• Carshare Insurance
• Rideshare Insurance
• Regulatory Compliance
• Carrier Relationships
• Reinsurer Management

• AI in Underwriting
• Automation Tools