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About the Role

As the senior underwriting authority, you will partner with executive leadership and cross-functional teams to shape underwriting strategy, oversee delegated underwriting authority, strengthen carrier governance, and drive sustainable, profitable growth across our insurance portfolio.

Responsibilities

• Establish, maintain, and continuously evolve carrier underwriting philosophy, risk appetite, underwriting guidelines, governance framework, and administrative policies to support sustainable, profitable growth.
• Serve as underwriting authority for guideline exceptions, product approvals, underwriting philosophy, risk tolerance decisions, approval of new insurance products, product enhancements, and underwriting programs for Doubtless North America insurance carriers.
• Develop a deep understanding of underwriting performance, portfolio results, emerging risks, and market trends to continuously improve underwriting guidelines, and risk selection.
• Ensure underwriting operations remain compliant with applicable insurance regulations across the United States and Canada while maintaining appropriate governance, documentation, and operational controls.
• Provide carrier oversight of MGA underwriting operations, delegated authority, underwriting guideline adherence, operational enhancements, and claims process initiatives while ensuring compliance with contractual and regulatory requirements.
• Develop, implement, and monitor underwriting controls, governance processes, audit programs, corrective action plans, and operational procedures that strengthen underwriting consistency and regulatory compliance.
• Partner closely with executive leadership and collaborate across Product Management, Actuarial, Claims, Compliance, Legal, Finance, and MGA leadership to align underwriting strategy with business objectives and regulatory expectations.
• Build trusted relationships across the organization and effectively influence executive leaders, carrier partners, regulators, and external stakeholders through sound judgment, credibility, and technical expertise.

Requirements

• Bachelor's degree in Business, Mathematics, Science, or a related discipline, or equivalent professional experience.
• 10+ years of progressive Property & Casualty insurance experience, ideally including Personal Lines.
• Minimum of 5 years in a senior underwriting leadership, underwriting operations, governance, or compliance role.
• Demonstrated experience establishing underwriting philosophy, risk appetite, governance frameworks, underwriting guidelines, and operational controls.
• Experience working with carriers, MGAs, delegated authority models, reinsurers, and fronting carrier relationships.
• Strong understanding of insurance regulatory requirements across the United States; Canadian regulatory experience is highly desirable.
• Experience leading underwriting audits, compliance initiatives, governance programs, and regulatory examinations.
• Previous leadership experience, including coaching, mentoring, and developing underwriting professionals.
• CPCU or other advanced insurance industry designation.
• Experience supporting insurance product development, product filings, or underwriting strategy for new insurance products.
• Familiarity with underwriting technology platforms, workflow automation, and operational process improvement initiatives.
• Deep expertise in underwriting strategy, carrier governance, risk management, and insurance operations.
• Exceptional understanding of insurance markets, competitive dynamics, technology trends, and evolving regulatory environments.
• Strong business acumen with the ability to balance profitable growth and disciplined risk management.
• Executive presence with the confidence to constructively challenge assumptions, influence strategic decisions, and communicate effectively across all levels of the organization.
• Outstanding analytical, organizational, and problem-solving skills.
• Exceptional written, verbal, and presentation communication abilities.
• High degree of personal integrity, professionalism, and sound judgment.
• Demonstrated ability to lead organizational change while building trust and alignment across diverse stakeholder groups.
• Ability to travel up to 20% as business needs require and possess a valid passport.

Skills

• Underwriting strategy
• Carrier governance
• Risk management
• Insurance operations
• Insurance markets
• Competitive dynamics
• Technology trends
• Regulatory environments
• Business acumen
• Profitable growth
• Disciplined risk management
• Executive presence
• Strategic decision-making
• Analytical skills
• Organizational skills
• Problem-solving skills
• Written communication
• Verbal communication
• Presentation skills
• Personal integrity
• Professionalism
• Sound judgment
• Organizational change leadership
• Trust building
• Stakeholder alignment

Location

• North America

Work Type

• Full-time

Experience Level

• Director
• Senior underwriting leadership
• 10+ years of progressive Property & Casualty insurance experience
• Minimum of 5 years in a senior underwriting leadership, underwriting operations, governance, or compliance role

Education Level

• Bachelor's degree in Business, Mathematics, Science, or a related discipline, or equivalent professional experience.
• CPCU or other advanced insurance industry designation.

Benefits

• Comprehensive full medical, dental and vision Insurance
• Basic Life Insurance at no cost to the employee
• Company paid short-term and long-term disability
• 12 weeks of 100% paid Parental Leave
• Health Savings Account (HSA)
• Flexible Spending Accounts (FSA)
• Retirement savings plan
• Personal Paid Time Off
• Paid holidays and company-wide Wellness Day off
• Paid time off to volunteer at nonprofit organizations
• Pet friendly office environment
• Commuter Benefits
• Group Pet Insurance
• On the job training and skills development
• Employee Assistance Program (EAP)

About the Company

• Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America.
• We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets.
• As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents.
• Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands.
• Doubtless is one of the world's leading pet insurance and pet health organizations, bringing together the former Independence Pet Holdings and Pinnacle Pet Group into a unified global enterprise.
• With more than 4,000 employees, Doubtless protects over 6 million pets across 10 markets throughout North America, Europe, and the United Kingdom.
• Through a portfolio of trusted pet insurance brands and innovative pet care solutions, we help pet parents protect and care for their pets throughout every stage of life.
• Independence American Insurance Company (IAIC) is the insurance carrier within the Doubtless family of companies.
• IAIC provides underwriting expertise, governance, and regulatory oversight that support our pet insurance portfolio and strategic partnerships.
• Working closely with Product Management, Actuarial, Claims, Compliance, and our MGA partners, Doubtless’s North American insurance carriers balance disciplined risk management and governance with innovation to deliver sustainable, profitable growth.