Portfolio Underwriting Manager – Consumer & Hardware

Vouch seeks a dynamic, goal-oriented, and creative Portfolio Underwriting Manager for the Consumer and Hardware vertical, a role requiring deep expertise in product liability and a keen understanding of professional and/or management liability lines. Your key responsibilities will be to drive profitable growth within our Consumer and Hardware innovation-focused insurance portfolio. You will play a key role in achieving specific growth targets and maintaining optimal loss ratio goals across various insurance products in a vertical. You will be tasked with delivering strategic and tactical portfolio management outcomes and underwriting complex accounts while consistently driving improvements in underwriting efficiency and effectiveness. This role will include broad COE responsibilities for Property, GL, and Products Liability lines.

Job Duties:

• Develop and deliver an effective portfolio management framework for the Consumer and Hardware Innovation economy vertical, providing actionable insights that continuously inform adjustments to underwriting strategy, appetite guides, guidelines, coverages, and pricing through careful monitoring of key portfolio signals and external developments in legislative, economic, and competitive landscapes
• Serve as a Center of Expertise on the underwriting Team for P&C exposures, including Property, GL, and Products Liability
• Facilitate effective knowledge transfer, ensuring the team is well-versed in current underwriting practices and emerging issues
• Deliver target GWP and loss ratios for managed portfolios
• Underwrite complex accounts and ensure adherence to Vouch’s strategy, guidelines, and reinsurance considerations and refer accounts to the Head of Underwriting as required
• Collaborate closely with the sales and Insurance Product Development teams to understand customer needs and proffer creative underwriting solutions that differentiate Vouch in the marketplace while delivering GWP and Loss Ratio targets
• Continuously seek ways to standardize the decision-making process from a quantitative and qualitative standpoint to inform and augment our underwriting processes
• Deliver actionable underwriting decision-making and process improvement proposals
• Share product and knowledge expertise through direct communication with clients, training and teaching opportunities, as well as external engagements

About you:

• 8+ Years of Experience in Underwriting a diverse portfolio of multiline P&C risks, including in-depth product liability experience with portfolio-level accountabilities and direct underwriting responsibilities
• Deep expertise in primary commercial P&C lines of insurance, including product liability and desire to learn new lines and products
• Working knowledge of Management and Professional liability underwriting
• Ability to demonstrate relentless commitment to GWP Growth and Loss Ratio performance through inquisitiveness in getting at root causes of portfolio performance issues
• Experience working with actuarial, legal, product development, and compliance teams to deliver key underwriting insights and drive changes to underwriting, coverage, and pricing
• Proven ability to drive creative and innovative solutions with customers and profitability in mind
• Experience in delivering complex projects from ideation through execution
• Keen ability to prioritize high-impact work, manage multiple projects in a dynamic environment, and continuously look for opportunities to improve underwriting efficiency and effectiveness
• Excellent interpersonal skills and the ability to build effective relationships with team members and external stakeholders

Nice to have:

• Exposure to and passion for early-stage startups and/or high-growth environments
• A background in insurance or other regulated categories

Vouch provides several benefits to help you bring your best self to work:

• 💰 Competitive compensation and equity packages
• ⚕️ Health, dental, and vision insurance
• 👶 Parental leave
• 🌴 Flexible vacation time (Unlimited PTO)
• 🎨 🧠 Wellness allowance ($80/month)
• 📲 🛜 Technology allowance ($100/month)
• 📚 Professional Development ($500/Yr)
• 💻 🎧 Home office setup (One-time $500)
• 🏫 📈 L&D: Partnerships with Ethena, Hone, and weekly Lunch & Learns
• 🏳️‍🌈 ♀️ 🤝 Employee Groups (ERGs, Committees, and Communities): Vouch supports various employee groups to foster an inclusive, equitable workplace and create affirming, empowering, employee-centered spaces for conversation, community, and support. These groups include Pride @ Vouch, Women @ Vouch, Black @ Vouch, Virtual Connections, Pop Culture, Pets of Vouch, Skincare, Astrology, Plants, etc.
• 🧘 💲 Wellbeing: Voucher’s have access to many wellbeing perks, including Calm, ClassPass, Headspace, Fetch, OneMedical, Origin, SoFi, etc.
• 📊 Annual performance reviews with quarterly check-ins: Vouch conducts quarterly review discussions with all team members, offering goal setting and check-ins, development discussions, and promotion opportunities.

What to expect in the interview process:

• 30-minute phone call with our recruiting team
• 30-45 minute Zoom interview with the hiring manager
• Case study/technical screen
• Meet the team! 30-45min 1:1 Zoom meetings with 3-4 team members you’d work closely with in the role

Salary Range: 

The pay range for this role is: $160,000 to $190,000 per year