Director of Underwriting

Rhino • New York, NY

1d • $170,000 - $200,000

About The Position

Rhino + Jetty is making housing more affordable and accessible for millions of renters each year. R + J is the market-leading real estate platform dedicated to improving the financial lives of renters and the property managers who support them.
R + J has continued to expand its platform with end-to-end deposit management, simplifying how security deposits and insurance-based alternatives are offered, managed, and administered. Today, our comprehensive product suite—including security deposit insurance, cash security deposit management, lease guarantees, renters insurance, and loss of employment insurance—helps transform the renting experience by making moving easier, more affordable, and more transparent for everyone involved.

In this role you will lead the following areas:

Sales Partnership & Growth Enablement
Act as strategic partner to Sales and Revenue teams to enable profitable growth
Provide data-driven guidance on trade-offs between growth, pricing, coverage limits, and risk
Support key landlord partner conversations where underwriting judgment is required
Underwriting Strategy & Technical Underwriting Implementation
Own and steward R+J’s underwriting strategy and risk appetite to ensure consistent and disciplined execution of the underwriting process across risk profiles
Manage the in-house automated underwriting decision engine to ensure proper underwriting rules, risk score logics, coverage limits and deductibles levels are implemented as designed
Partner closely with Product, Engineering, and Data teams to ensure robust data pipelines, quality, and accessibility, enabling scalable and reliable underwriting infrastructure
Collaborate with Risk & Compliance teams to ensure underwriting decisions are explainable, auditable, and aligned with regulatory and carrier requirements
Portfolio Management
Evaluate underwriting outcomes and portfolio performance to optimize rules and user experience for sustainable growth and profitability targets
Lead industry trends assessment and incorporate relevant insights into underwriting judgment, exception handling, and portfolio oversight
Communicate underwriting performance, emerging risks, and mitigation strategies with credibility and transparency to internal and external stakeholders

Requirements

• 10+ years of professional underwriting or actuarial experience in the P&C insurance industry. Experience in insurtech or high-growth companies is highly preferred
• Strong actuarial background; actuarial credentials (ASA, ACAS, or equivalent) strongly preferred
• Proficiency in statistical software (e.g. SQL, Python) and data visualization and dashboarding tools (e.g. Tableau, PowerBI) to manage portfolio management and underwriting flows
• Strong organizational and leadership skills with experience managing projects and mentoring analysts
• Resourceful, innovative thinker who thrives in a fast-paced, evolving environment and enjoys solving strategic insurance business challenges

Responsibilities

• Act as strategic partner to Sales and Revenue teams to enable profitable growth
• Provide data-driven guidance on trade-offs between growth, pricing, coverage limits, and risk
• Support key landlord partner conversations where underwriting judgment is required
• Own and steward R+J’s underwriting strategy and risk appetite to ensure consistent and disciplined execution of the underwriting process across risk profiles
• Manage the in-house automated underwriting decision engine to ensure proper underwriting rules, risk score logics, coverage limits and deductibles levels are implemented as designed
• Partner closely with Product, Engineering, and Data teams to ensure robust data pipelines, quality, and accessibility, enabling scalable and reliable underwriting infrastructure
• Collaborate with Risk & Compliance teams to ensure underwriting decisions are explainable, auditable, and aligned with regulatory and carrier requirements
• Evaluate underwriting outcomes and portfolio performance to optimize rules and user experience for sustainable growth and profitability targets
• Lead industry trends assessment and incorporate relevant insights into underwriting judgment, exception handling, and portfolio oversight
• Communicate underwriting performance, emerging risks, and mitigation strategies with credibility and transparency to internal and external stakeholders

Benefits

• Competitive cash compensation package including base salary, milestone based bonus, and other financial perks
• Medical, Dental, and Vision coverage (up to 90% employer contribution) - eligible from your start date
• 401(k), HSA, Life & Disability Insurance Coverage ($0 employee contribution for additional insurances)
• Unlimited PTO Policy
• Generous Paid Parental Leave
• Stock option plan to give our employees a direct stake in R + J's success
• Monthly lifestyle stipend to fit your needs (meals, wellness, co-working)

What This Job Offers

• Job Type: Full-time
• Career Level: Director
• Education Level: No Education Listed
• Number of Employees: 101-250 employees