Sr. P&C Insurance SME

Role Summary

We are seeking an experienced Property and Casualty (P&C) Insurance Subject Matter Expert to drive strategic initiatives and provide deep functional expertise across the insurance lifecycle, for our digital transformation programs.

Responsibilities

• Strategic Advisory: Provide high-level functional guidance on P&C product development, underwriting, and claims optimization for both personal and commercial lines.
• Platform Transformation: Lead/Advise on the implementation and migration of core insurance platforms (e.g., Guidewire, Duck Creek, or proprietary systems), ensuring business requirements align with technical capabilities.
• Regulatory & Compliance: Ensure products and processes comply with California-specific mandates, including wildfire mitigation pricing, Prop 103 requirements, and CDI rate-filing changes.
• Process Engineering: Map "As-Is" vs. "To-Be" business workflows to eliminate operational friction and improve the Combined Ratio.
• Innovation Leadership: Evaluate and integrate emerging Insurtech solutions, focusing on AI-enabled straight-through processing (STP) and advanced catastrophe (CAT) response modeling.
• Stakeholder Liaison: Translate complex insurance concepts into actionable technical specifications (Business requirement documents/Functional requirement documents) for engineering teams and present strategic roadmaps to executive leadership.

Required Skills

• Mastery over the entire P&C value chain - Product Filing, Rating, Underwriting, Policy Administration, and Claims.
• Deep understanding of the California insurance market, including local legislative trends and high-risk property exposure management.
• Hands-on experience with modern Core Systems (Guidewire, Duck Creek, etc.) and expertise of data-driven decision-making (SQL, BI tools, or Data Modeling).
• Bachelor’s degree in relevant field.

Preferred Skills

• Professional designations such as Chartered Property Casualty Underwriter (CPCU), Associate in Risk Management (ARM), or Certified Insurance Counselor (CIC).
• Experience with Managing General Agent (MGA) operating models.
• Knowledge of Agentic AI applications in risk assessment and fraud detection.
• Proven track record in managing large-scale digital transformation projects in a 'Hybrid' work environment.