Director, Commercial Portfolio Accounts - Product and Underwriting - Remote

CSAA Insurance Group, a AAA Insurer • Arizona - Home Teleworkers, AZ

6d • Remote

About The Position

Mobilitas is hiring a Director to provide leadership and strategic direction for the team responsible for underwriting, pricing, quoting, implementation, and ongoing lifecycle management of Commercial Portfolio Accounts. The role designs and deploys the underwriting philosophy, appetite, guidelines, tools, and processes that enable profitable, repeatable growth, while maintaining accountability for the profitability and composition of the book in partnership with Actuarial and Finance.

Working closely with the Client Organization, the Director supports client management and business development and cultivates broker relationships that generate consistent, in-appetite submissions. Success is measured across financial performance, underwriting quality, operational throughput, team capability, and broker and client experience. The role also partners across the organization on portfolio performance, reporting, referrals, reinsurance input, and business reviews, and travels as needed for enterprise and divisional meetings, industry events, and other in-person meetings.

Requirements

• 10 years of related work experience, including 7 years of progressively more responsible assignments within the insurance industry.
• At least 5 years leading teams, enterprise-wide programs, or large cross-functional programs, demonstrated through direct or indirect leadership.
• Bachelor of Arts or Bachelor of Science, or an equivalent combination of education and experience.
• Expertise underwriting multiple commercial lines products and thorough mastery of commercial lines forms, coverage, product rules, rating algorithms, risk-sharing models, and pricing models.
• Familiarity with primary and excess insurance, surplus lines, large and matching deductibles, collateral and credit risk, third-party claims administrators, MGAs and MGUs, fronting programs, and ceded and assumed reinsurance.
• Ability to build repeatable underwriting processes and measure throughput, quality, and consistency.
• Ability to coach and mentor and to attract, develop, and retain high-performing underwriting talent.
• Broker and distribution relationship-building skills, with the ability to convert relationships into measurable submission flow.
• Deep knowledge of the P&C industry, competitors, insurance product pricing, and financial drivers of profitability; comprehensive understanding of legislative and Department of Insurance regulations.
• Analytical fluency with portfolio reporting and data tools, including judgment to interrogate model outputs for bias, explainability, and fairness risk.
• Consultative leadership style and strong organizational, problem-solving, negotiation, and influencing skills.
• Strategic thinking, hands-on contribution, and well-developed oral and written communication skills.
• Authorization to work indefinitely in the United States; the employer does not provide visa sponsorship.

Nice To Haves

• At least 2 years managing a book of business to a stated profitability target (highly preferred).
• Master of Business Administration.
• CPCU or similar certification.
• Successful tenure in a similar leadership role with verifiable results.
• Ability to create a collaborative, inclusive, and psychologically safe environment; demonstrate authenticity and foster trust.
• Contribute actively to company culture, for example through employee resource group sponsorship, mentoring, volunteering, cross-functional committees, or encouraging team participation.
• Model company Core Beliefs and champion cultural norms.
• Deliver strategy with an enterprise lens and stay informed about enterprise initiatives, industry trends, and business results.
• Demonstrate an ownership mindset and think beyond the boundaries of one’s own area.

Responsibilities

• Lead product management and underwriting professionals; hire, develop, and retain high-performing underwriters and build technical and segment expertise.
• Lead underwriting, pricing, quoting, implementation, and lifecycle management for new and renewal accounts below the strategic and large account threshold.
• Manage profitability, growth, and retention of the Portfolio Accounts book, including rate adequacy, segment and state mix, concentration, and remediation or exit of underperforming cohorts, in partnership with Finance and Actuarial.
• Develop underwriting guidelines, monitor their effectiveness, and ensure the book consists only of eligible risks.
• Design, implement, and continuously improve underwriting tools, processes, and procedures, including fast-path submission-to-quote-to-bind workflows, triage rules, and minimum data requirements.
• Use pilot accounts and cohorts to test appetite, structure, pricing, and workflow changes against success measures and exposure limits, and incorporate validated learning into standard guidelines, rating approaches, and forms.
• Identify and implement opportunities to streamline processes, use advanced technology and analytics, and enhance risk assessment methods; maintain documented human oversight and explainability for model-assisted eligibility or pricing decisions.
• Develop broker and wholesaler relationships, collaborate on solutions for emerging exposures, and manage distribution productivity, appetite fit, and bind conversion.
• Partner with the Client Organization on client targeting, business development, onboarding, and renewal strategy, and serve as the underwriting escalation point for the book.
• Establish and monitor account- and book-level KPIs and support business reviews for in-scope Portfolio Accounts.
• Coordinate with the Client Organization, Operations, Claims, IT, Billing, Finance, Accounting, Actuarial, Product Development, Legal, and Compliance.
• Present referrals exceeding delegated authority to the Underwriting Committee, track outcomes, and maintain decision records.
• Provide book-level results and outlook reporting to divisional leadership and contribute Portfolio Accounts content to quarterly business reviews, large-loss discussions, and reserving discussions.
• Partner with the Reinsurance team to provide account- and portfolio-level input into ceded structure, treaty design, and quota share economics.
• Train and upskill product managers and underwriters, and serve as a subject-matter expert for Portfolio Account Managers and Development Product Managers across the department.
• Manage portfolio performance through changing market and underwriting cycles while maintaining disciplined growth and profitability targets.
• Travel as needed for enterprise meetings, divisional and team meetings, industry events, and other in-person meetings.

Benefits

• Total compensation package.
• Annual bonus eligibility for most roles.
• 401(k) with company match.
• Career growth and development support from leaders and mentors.
• Remote-first flexible workplace, with the ability for most Home-Flex employees to work primarily from home and flexibility to work from various locations, including Mobilitas offices.

What This Job Offers

• Job Type: Full-time
• Career Level: Director