Associate Senior Manager Commercial Underwriting

Job Description

Lead enterprise-wide analytics initiatives across all lines of business to uncover trends, performance drivers, and profitability leakages (e.g., loss ratios, business mix, geographic exposure) to drive underwriting excellence. Design and implement advanced analytical frameworks that inform underwriting, pricing, claims, and portfolio management strategies. Collaborate closely with Commercial Underwriting, Product, and Distribution teams to translate data-driven insights into actionable business strategies. Build, lead, and mentor a high-performing analytics team, fostering a culture of innovation in data science, predictive modeling, and decision intelligence. Ensure robust data governance and compliance with IIB submission standards, while driving excellence in data visualization and regulatory reporting. Define and operationalize KPIs through dynamic BI dashboards to monitor performance, profitability, and underwriting effectiveness across all product lines. Conduct root cause analysis of portfolio underperformance and recommend targeted interventions to improve loss ratios and enhance overall profitability. Deliver tailored, data-backed solutions that empower underwriting, claims, and distribution teams to make faster, smarter, and more consistent decisions. Champion the integration of AI/ML models into underwriting workflows to enhance risk selection, fraud detection, and pricing precision. Continuously evaluate emerging analytics tools and methodologies to future-proof the underwriting analytics function and maintain competitive advantage.