Senior Commercial Program Underwriter - Remote

CSAA Insurance Group, a AAA Insurer•Washington, NV

10d•$136,890 - $182,450•Remote

About The Position

Mobilitas, a commercial insurance company created by CSAA Insurance Group, is seeking a motivated and innovative Senior Commercial Program Underwriter to join their team. This role supports Mobilitas' programs in the sharing economy and mobility market, including ride-sharing, on-demand and last-mile delivery, autonomous vehicles, and related mobility segments. The Senior Commercial Program Underwriter will direct and coordinate the development, onboarding, governance, and performance management of assigned delegated authority programs, serving as the primary carrier business owner for these relationships. This position is responsible for both new program development and ongoing program oversight throughout the delegated authority lifecycle. The role functions as a subject-matter expert in delegated authority governance, underwriting stewardship, and new program development, and will be actively engaged with program strategy design and implementation. This role will manage moderate-to-large or higher-complexity programs that carry moderate-to-higher risk and high regulatory or market complexity.

Requirements

Bachelor's degree in a related area (Business, Marketing, Finance, Economics, Data Analytics, or a related field) or an equivalent combination of education and experience is required.
8+ years of increasingly responsible commercial insurance, underwriting, or delegated authority / program management experience.
Advanced knowledge of delegated authority oversight, governance, and commercial underwriting.
Advanced financial analysis, portfolio management, and profitability-evaluation skills.
Proven track record of leading cross-functional partners and influencing without direct authority.
Strong due diligence, business-case development, and program-onboarding skills.
Skilled negotiator and superb communication and presentation skills with both internal and external partners.
Advanced knowledge of regulatory and contractual requirements applicable to delegated authority programs.

Nice To Haves

Advanced degrees preferred.
Relevant industry designations (eg. CPCU, AU, ARe) preferred.
In-depth experience underwriting, developing, or managing programs in the sharing economy and mobility market across multiple segments.
Demonstrated experience assessing and structuring coverage for other emerging or specialty risk areas, including navigating limited loss history and evolving regulation.
Actively shapes our company culture (e.g., supporting employee resource groups, mentoring employees, volunteering, joining cross-functional projects).
Champions our cultural norms (e.g., willing to have cameras on when it matters: helping onboard new team members, building relationships, etc.).
Demonstrates a company ownership mindset, thinking beyond boundaries of their own area.
Travels as needed for role, including divisional / team meetings and other in-person meetings.
Fulfills business needs, which may include investing extra time, helping other teams, etc.

Responsibilities

Leads assessment and development of new program opportunities and expansions into new markets or products presented by program administrators.
Leads underwriting, operational, financial, and strategic due diligence and prepares recommendation and approval materials for internal review forums.
Develops program business cases, appetite / pricing framing, revenue and loss projections, launch plans, and milestone schedules.
Directs cross-functional onboarding and go-live readiness across Underwriting, Actuarial, Claims, Operations, Finance, Legal / Compliance, and IT.
Manages program implementation projects including team coordination, resources, budget, and timelines.
Establishes and maintains authority matrices, referral thresholds, and escalation / intervention frameworks for assigned programs.
Leads governance meetings, committee cadence, and material-change reviews (products, systems, ownership, growth spikes).
Is responsible for adherence to agreements and drives remediation of governance gaps.
Maintains committee structure, reporting cadence, key risk indicators, and portfolio-level aggregation controls.
Establishes underwriting guidelines, appetite, class definitions, exclusions, and risk-selection standards delegated to the program administrator.
Sets, monitors, and enforces delegated underwriting authority limits, referral thresholds, and breach management.
Reviews and approves product structures, policy forms, endorsements, and material wording changes prior to use.
Monitors underwriting quality, adherence, drift, and concentration risk; conducts performance reviews and corrective-action planning.
Approves pricing methodologies, rating changes, discounts, and surcharges within authority and monitors adherence.
Owns profitability and performance management for assigned programs against targets and approved risk appetite.
Develops performance action plans and monitors results; identifies and addresses adverse trends.
Leads monthly and quarterly performance and stewardship reviews with the program administrator.
Validates completeness, accuracy, and timeliness of bordereaux; supports profit-share calculation inputs.
Monitors program administrator financial condition, credit exposure, and stress indicators in coordination with Finance.
Serves as primary carrier relationship owner and day-to-day contact for assigned program administrators.
Leads business reviews, performance discussions, and coordination across internal functions.
Acts as primary escalation contact and drives resolution of operational and performance issues.
Manages relationship health, issue tracking, and follow-through on commitments.
Is responsible for regulatory compliance of delegated activities, including outsourcing obligations and regulatory expectations.
Drafts, negotiates, maintains, and helps enforce delegated authority agreements, addenda, and amendments in coordination with Legal.
Oversees agency / sub-producer appointment, maintenance, and termination to ensure properly licensed and authorized parties.