Actuary, Auto Analytics, State Deep Dive

Liberty Mutual Insurance•Boston, MA

2d•$120,000 - $225,000•Hybrid

About The Position

The Actuary, Auto Analytics, State Deep Dive is the analytical partner to state leadership in Liberty Mutual’s largest and most complex Personal Auto markets. The role works directly with Directors of State Operations (DSOs) to address questions that shape each state’s direction and support Liberty’s goal of top-quartile profitability. The actuary analyzes segment-level performance to identify targeted pricing and underwriting changes, then partners with Tactical Pricing, Underwriting, Product, and other teams to implement recommendations. The role develops growth and profitability projections for 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, evaluate initiatives, and recommend tactical actions. The position is part of a team of three actuaries and reports to the Auto Analytics State Deep Dive Team Manager. Applicants living within 50 miles of the Liberty Mutual offices in Boston, MA; Portsmouth, NH; Columbus, OH; Seattle, WA; or Plano, TX are subject to a two-day-per-week hybrid requirement.

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.
Ability to motivate and mentor peers and motivate and train subordinates.
Advanced computing skills, including MS Office Excel and SAS, and the ability to build complex models.

Nice To Haves

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

Responsibilities

Analyze segmentation to identify underwriting rules and opportunities involving rating variables, coverage limits, and discounts; partner with Tactical Pricing, Underwriting, and Product teams to implement recommendations.
Build policies-in-force (PIF), 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 their drivers, and proactively recommend tactical actions.
Evaluate new 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.
Build expertise in assigned states’ product and program histories, regulatory environments, competitive landscapes, 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 reflect state-specific needs in cross-team work.
Leverage and enhance analytical tools, automation, and AI to reduce routine work and increase time spent on interpretation and partner engagement.
Share findings, methods, and state knowledge, and contribute to an inclusive, high-performing team.