Personal Lines Underwriting Director Strategy

This is a full time, exempt role.

The Director, PL Underwriting Strategy – Risk Appetite & Portfolio Strategy is a strategic leader responsible for defining, monitoring, and optimizing the risk and growth posture of the Personal Lines portfolio. This role owns the strategic articulation of risk appetite, target returns, growth priorities, and portfolio guardrails, and ensures these are clearly communicated and operationalized across the organization.

This leader provides an enterprise view of portfolio performance and risk tradeoffs, proactively identifying opportunities and vulnerabilities. The role partners closely with Product, Actuarial, Finance, Underwriting, and Enterprise Risk to influence where and how the company chooses to compete.

Define and evolve the Personal Lines risk appetite framework, including growth targets, profitability thresholds, volatility tolerance, and concentration limits

Develop and maintain a portfolio strategy view across products, segments, geographies, and distribution channels (for example, high value and agency partnership strategy)

Assess portfolio performance relative to risk appetite and strategic objectives; identify emerging risks, exposure shifts, and opportunity areas

Lead scenario analysis and stress testing to understand portfolio impacts under varying market, weather, and competitive conditions

Partner with Actuarial and Finance to ensure alignment between underwriting strategy, pricing adequacy, capital considerations, and financial outcomes

Translate portfolio insights into clear strategic direction for Product, Underwriting, and Underwriting teams

Provide strategic recommendations on where to grow, where to maintain, and where to pull back, supported by rigorous analysis (for example, aggregation)

Establish key portfolio KPIs and dashboards to support senior leadership oversight and decision-making

Prepare and present executive- and Board-level materials on portfolio health, tradeoffs, and strategic options

Lead cross-functional initiatives that require a portfolio-level perspective, including rebalancing actions and growth pivots

Manage and develop a team of strategy professionals; provide coaching, feedback, and career development

Serve as a strategic thought partner to PL leadership on long-term market positioning and enterprise risk tradeoffs, including reinsurance strategy

KEY SKILLS & COMPETENCIES:

Portfolio & Risk Strategy Expertise – Strong understanding of insurance portfolio dynamics, risk appetite frameworks, and return tradeoffs

Enterprise Thinking – Ability to connect underwriting, pricing, capital, and growth strategies into a coherent portfolio view

Advanced Analytical Judgment – Comfortable interpreting complex analyses, scenarios, and tradeoffs without oversimplification

Strategic Influence – Able to challenge assumptions, influence senior leaders, and drive difficult tradeoff discussions

Future-Oriented Mindset – Proactively anticipates market, competitive, regulatory, and climate-related portfolio shifts

People Leadership – Proven experience leading and developing high-performing strategy teams

Executive Presence – Strong written and verbal communication skills; credible and persuasive with senior leaders and Boards

WHAT YOU NEED TO APPLY:

7+ years of relevant work experience and 3+ years of proven experience leading cross functional teams

CAREER DEVELOPMENT:

It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

BENEFITS:

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed.

Benefits include:

Medical, dental, vision, life, and disability insurance

401K with a company match

Tuition reimbursement

PTO

Company paid holidays

Flexible work arrangements

Cultural Awareness Day in support of IDE

On-site medical/wellness center (Worcester only)

Click here for the full list of Benefits

EEO statement:

The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: HRServices@hanover.com and include the link of the job posting in which you are interested.

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