Director of Data Analytics (P&C Insurance, Underwriting, Reinsurance)

About the role

The Church Insurance Companies (CIC) seeks a proactive, business-minded Director of Data Analytics / Data Scientist to partner with management in turning policy, premium, and loss data into decisions on pricing, reserving, reinsurance, capital, and underwriting.

Responsibilities

• Produce overall and by-segment rate indications for personal and commercial lines, covering loss/premium trend, development, credibility, and expenses.
• Support classification ratemaking and develop rating factors using standard actuarial approaches.
• Prepare rate summary exhibits for communicating the proposed rate level need and findings to Company management.
• Justify and defend proposed rate levels.
• Maintain reserving triangles by line and accident year; produce quarterly and ad-hoc indications using chain-ladder, Bornhuetter-Ferguson, expected loss ratio, and frequency-severity methods.
• Analyze reserve adequacy and movement, explaining variances in business language.
• Partner with claims on case reserve philosophy, large losses, and claim-handling shifts.
• Own the data workstream for the annual renewal: in-force listings, premium/exposure, loss runs, large loss detail, and cat model output.
• Respond to reinsurer questions and data calls, working with brokers, underwriting, claims, and finance.
• Evaluate alternative structures (quota share, per-risk excess, aggregate, cat XOL) across attachments, limits, and cede percentages.
• Run cause-of-loss studies (water, theft, wind/hail, BI, auto physical damage) to identify frequency and severity drivers.
• Quantify effects of inflation, weather, legal environment, social inflation, and repair/medical costs.
• Translate findings into action on underwriting, coverage forms, deductibles, and rating plans.
• Maintain recurring reports on loss/combined ratios, production, retention, rate change, and profitability by program, state, agent, and class.
• Respond to ad-hoc leadership requests with accurate, documented answers.
• Present findings in plain, business-focused language and translate them into concrete recommendations on rate, tier, underwriting, reinsurance, and product.
• Partner with IT, underwriting, and product to implement rating changes—writing requirements, testing, and validating production.

Requirements

• Demonstrated production of rate or reserve indications from raw data through executive-ready deliverables.
• Hands-on experience with large policy, premium, and claims datasets.
• Exposure to reinsurance renewals, capital adequacy, and outside consulting actuaries preferred.
• Expert Excel (pivot tables, advanced formulas, exhibit workbooks for rate changes and reserving).
• Experience with a BI/visualization tool (Power BI, Tableau, or similar).
• P&C fundamentals: earned/written premium, loss development, IBNR, ALAE/ULAE, LDFs, loss/combined ratio, credibility, trend, and rate change.
• Standard ratemaking (loss ratio, pure premium, GLM) and reserving methods (chain-ladder, BF, expected loss ratio).
• U.S. state rate filing and SERFF (a plus).
• Reinsurance structures and how cessions affect net results, surplus, and volatility.
• Capital frameworks: NAIC RBC, AM Best’s BCAR, and economic capital.
• Proactive and self-directed; drives analyses to completion.
• Excellent communication; explains technical concepts clearly.
• Strong business acumen and intellectual curiosity.
• High integrity and attention to detail.

Qualifications

• 10+ years in data analysis, actuarial, or data science, with 5+ years supporting a P&C insurer, MGA, reinsurer, or consulting firm.
• Bachelor’s preferred in Mathematics, Statistics, Economics, Data Science, Computer Science, or related quantitative field.

Skills

• Expert Excel (pivot tables, advanced formulas, exhibit workbooks for rate changes and reserving).
• Experience with a BI/visualization tool (Power BI, Tableau, or similar).
• Standard ratemaking (loss ratio, pure premium, GLM) and reserving methods (chain-ladder, BF, expected loss ratio).
• U.S. state rate filing and SERFF (a plus).
• Reinsurance structures and how cessions affect net results, surplus, and volatility.
• Capital frameworks: NAIC RBC, AM Best’s BCAR, and economic capital.

Benefits

Join us and Create A Better Future For Yourself! Flexible Benefits Available To Eligible Employees. Medical (including Vision), Dental, Core Benefits Automatically Provided To Eligible Employees, Employer funded defined benefit pension plan (five year vesting), Employee Life Insurance, Spouse and Dependent Life Insurance, Accidental Death and Dismemberment (AD&D) Insurance, Short-Term Disability (STD) coverage, Long-Term Disability (LTD) coverage (elected as either pre-tax or after-tax), Business Travel Accident Insurance, Worker’s Compensation, Employee Assistance Program, Retiree health insurance (eligible after 10 years), Retiree life insurance, Elective Benefits Available To Eligible Employees (401(k) with matching contributions (immediate vesting)), Flexible Spending Accounts (FSAs), Commuter Benefits, Educational Assistance Program available to eligible employees, Parental Leave available to eligible employees, Time Off available to eligible employees: Vacation, Sick, Personal and Holidays. You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

Pay

$150,000 - $175,000

Schedule

Hybrid work environment, currently working in CIC's office Tuesdays through Thursdays and flexibility to work remotely on Mondays and Fridays.