Director , Personal Lines Underwriting Strategy

Liberty Mutual Insurance•Boston, MA

10d

About The Position

At Liberty, our Personal Lines Auto Product team partners across the company to build and roll out auto insurance solutions that keep pace with what customers and agents need. We focus exclusively on auto, bringing deep expertise, data and analytics to deliver strong state-by-state results while modernizing how we price policies and the technology that supports them. Organized around four core areas—Delivery & Development, Underwriting Effectiveness, State Management, and Mobility Solutions—we work collaboratively to live our purpose: helping people embrace today and confidently pursue tomorrow. The Personal Lines Auto Underwriting Effectiveness team is looking for a Director, Product Analysis, to define and govern the underwriting appetite for personal auto insurance. As member of the Underwriting Practices team, you will set clear, data-driven, countrywide eligibility guidelines for both new and in-force business and translate strategy into consistent, executable underwriting standards across states, channels, and platforms. This role operates with broad influence across U.S. Personal Lines functions at Liberty Mutual. The ideal candidate has deep personal lines auto underwriting knowledge, strong cross-functional collaboration experience and excellent communication and storytelling skills.

Requirements

Bachelor's degree in business, economics, or other quantitative field. 6 years, typically 8 years or more relevant work experience, typically 8 years.
Proficient in Excel, PowerPoint, and data analysis software (e.g., SAS)
Comprehensive knowledge of Personal Lines insurance with expertise in auto insurance products
Significant experience with stakeholder management and collaboration with teams spanning Risk Analytics, State Management, Delivery, IT, Distribution, Operations, & Claims to drive underwriting strategy
Must have exceptional planning, organization, analytical, decision-making and communication skills.
This position may have in-office requirements depending on candidate location.

Nice To Haves

Master's degree beneficial.
Experience directly managing projects preferred

Responsibilities

Own and evolve the countrywide underwriting appetite for personal auto, including eligibility, and set guardrails that allow disciplined underwriting with appropriate flexibility.
Ensure underwriting practices are aligned with pricing to deliver profitable growth and strong retention.
Lead regular reviews of underwriting rules and eligibility criteria to maintain effectiveness, competitiveness, and regulatory compliance; promote consistent interpretation and application across channels and states.
Evaluate and implement changes to underwriting guidelines, risk acceptance practices, and decisioning frameworks, balancing risk selection with business objectives.
Collaborate cross-functionally to clarify appetite, ensure compliant implementation, and translate strategy into automated rules and front-line tools.
Influence outcomes and mentor underwriting team members by demonstrating expertise on risk selection.