P&C Regional Portfolio Underwriting Director

About the role

The P&C Regional Portfolio Underwriting Director role is remote eligible in the continental U.S. with occasional business travel. Individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

Responsibilities

• Drive underwriting strategy, portfolio performance, and risk selection across assigned geographic regions.
• Collaborate with state management, pricing, product, capital management, compliance, and underwriting operations to implement underwriting actions that optimize profitability, mitigate adverse selection, and enhance long-term member value.
• Evaluate modeled results and portfolio risk drivers across the book of business, understanding the underlying loss expectations, drivers of severity/frequency, and modeled financial impacts for assigned states.
• Recommend and lead the implementation of targeted underwriting actions to support improvements in profitability, retention, lifetime value, and member experience.
• Partner with regional state management teams to understand market conditions, state strategies, and business objectives.
• Recommend state-specific underwriting actions that balance growth, risk, and member experience.
• Collaborate with pricing, product management, compliance, and capital management to ensure alignment on underwriting recommendations and business impacts.
• Partner with the Underwriting Strategy & Capabilities team to identify and prioritize future capability needs, analytic enhancements, automation opportunities, and rule refinements.
• Support the development or refinement of underwriting guidelines, eligibility criteria, and referral frameworks.
• Assist in managing portfolio expenses by monitoring effective financial and resource management of assigned portfolio.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

• Bachelor's degree in Risk Management, Business, Finance, Analytics, or a related field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 8 years of progressive Property & Casualty underwriting, product management, pricing, or portfolio management.
• Proven ability to apply comprehensive knowledge of underwriting fundamentals, industry practices, market trends, and regulatory requirements to effectively manage risk selection, pricing, and product performance.
• Demonstrated analytical mindset with the ability to interpret data, models, and trends to influence business decisions.
• Ability to translate analytic findings into actionable recommendations.
• Proven ability to collaborate and influence across multiple stakeholders and functions.
• Experience with business mix analysis and using data to tell a story.
• Working knowledge of USAA underwriting systems, segmentation tools, or analytic platforms.
• Demonstrated experience developing or applying underwriting guidelines, segmentation strategies, or rule frameworks.