Actuary, Auto Analytics, State Deep Dive

Liberty Mutual•Boston, MA

1d•Hybrid

About The Position

The Auto Analytics State Deep Dive team partners with state leadership in Liberty Mutual’s largest and most complex Personal Auto markets. The Actuary works directly with Directors of State Operations (DSOs) to analyze segment-level performance, identify targeted pricing and underwriting changes, and partner with Tactical Pricing and Underwriting teams to implement recommendations. The role builds growth and profitability projections that support state planning and strategic decisions, including rating program launches, distribution strategy, and responses to competitive moves. It also monitors marketplace, operational, and claims trends to identify emerging opportunities and risks and turn insights into tactical actions with partners across Risk Analytics and the business. The position joins a team of three actuaries and reports to the Auto Analytics State Deep Dive Team Manager. Its work shapes state strategy and supports Liberty Mutual’s goal of top-quartile profitability. Applicants who live within 50 miles of the Boston, MA; Portsmouth, NH; Columbus, OH; Seattle, WA; or Plano, TX offices are subject to a two-day-per-week hybrid requirement. The role also contributes to team tools, automation, and AI; shares analytical methods and state knowledge; and helps foster an inclusive, high-performing team.

Requirements

Bachelor’s degree required.
Minimum 5–7 years of relevant experience required.
Sound knowledge of actuarial techniques and standards and business operations, including financial, underwriting, legal, statistics, claims, and sales.
Advanced communication and interpersonal skills, with the ability to build relationships and interact effectively with people within and outside the organization.
Advanced computing skills, including MS Office Excel and SAS, with the ability to build complex models.

Nice To Haves

Master’s degree preferred.
Associateship or Fellowship in the Casualty Actuarial Society (ACAS/FCAS) or Society of Actuaries (ASA/FSA), or comparable education/designation with relevant experience, preferred.

Responsibilities

Identify underwriting rules and segment-level opportunities in rating variables, coverage limits, and discounts.
Partner with Tactical Pricing, Underwriting, and Product teams to implement pricing and underwriting recommendations.
Build policies-in-force, retention, and loss-ratio projections for annual planning, long-range growth targets, program launches, and rate changes.
Quantify growth and profitability trade-offs behind major strategic decisions.
Track marketplace, operational, and claims trends; identify what is driving changes and proactively recommend tactical actions.
Evaluate rating programs, underwriting models, and state initiatives against expectations, including retention, renewal dislocation, mix, and loss ratio; recommend course corrections.
Provide DSOs with forward-looking insights and recommendations, respond quickly to time-sensitive business questions, and frame findings around decisions, impact, and trade-offs.
Develop expertise in assigned states’ product and program history, regulatory environment, competitive landscape, and market dynamics; use competitor filings and industry developments to anticipate change.
Collaborate with Countrywide Analytics, Indications, Tactical Pricing, Product, Underwriting, Modeling, Claims, Reserving, Finance, and Distribution to address state-specific needs.
Leverage and improve analytical tools, automation, and AI to reduce routine work and focus on interpretation and partner engagement.
Share findings, methods, and state knowledge and contribute to an inclusive, high-performing team.
Motivate and mentor peers and motivate and train subordinates.