P&C Regional Portfolio Underwriting Director

USAA

P&C Regional Portfolio Underwriting Director driving underwriting strategy and risk selection across regions. Collaborating with management and analyzing data to improve profitability and member value.

Posted 7/20/2026full-timeSan Antonio • Texas • 🇺🇸 United StatesLead💰 $127,310 - $243,340 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in underwriting strategy, risk selection, and portfolio management, with a strong analytical mindset to drive data-driven decision making and influence business outcomes. Proficient in developing underwriting guidelines and collaborating with diverse stakeholders to optimize profitability and enhance member experience.

Highest-signal resume keywords

Property & Casualty UnderwritingData AnalysisUnderwriting Guidelines DevelopmentStakeholder CollaborationRisk Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Underwriting FundamentalsPortfolio ManagementProduct ManagementPricing StrategiesBusiness Mix Analysis

Soft Skills

Analytical MindsetInfluencing SkillsCollaboration

Tools & Technologies

USAA Underwriting SystemsSegmentation ToolsAnalytic Platforms

Industry Keywords

Risk SelectionMarket TrendsRegulatory RequirementsProfitability OptimizationMember Experience

About the role

Key responsibilities & impact

Responsible for driving underwriting strategy, portfolio performance, and risk selection across assigned geographic regions.
Collaborates with state management, pricing, product, capital management, compliance, and underwriting operations to implement underwriting actions that optimize profitability, mitigate adverse selection, and enhance long term member value.
Responsible for data driven decision making, leveraging a strong working knowledge of product management fundamentals and the ability to influence outcomes across diverse business partners.
Monitors the book of business in assigned region, including new and inforce business mix, risk attributes, and channel patterns, enabling early identification of adverse selection or shifts in risk quality.
Evaluates modeled results and portfolio risk drivers across the book of business understanding the underlying loss expectations, drivers of severity/frequency, and modeled financial impacts for assigned states.
Recommends and leads the implementation of targeted underwriting action to support improvements in profitability, retention, lifetime value, and member experience.
Partners with regional state management teams to understand market conditions, state strategies, and business objectives.
Recommends state specific underwriting actions that balance growth, risk, and member experience.
Collaborates with pricing, product management, compliance, and capital management to ensure alignment on underwriting recommendations and business impacts.
Partners with the Underwriting Strategy & Capabilities team to identify and prioritize future capability needs, analytic enhancements, automation opportunities, and rule refinements.
Supports the development or refinement of underwriting guidelines, eligibility criteria, and referral frameworks.
Assists in managing portfolio expenses by monitoring effective financial and resource management of assigned portfolio.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

What you’ll need

Bachelor's degree in Risk Management, Business, Finance, Analytics, or a related field; OR 4 years of related experience may be substituted in lieu of degree.
8 years of progressive Property & Casualty underwriting, product management, pricing, or portfolio management.
Proven ability to apply comprehensive knowledge of underwriting fundamentals, industry practices, market trends, and regulatory requirements to effectively manage risk selection, pricing, and product performance.
Demonstrated analytical mindset with the ability to interpret data, models, and trends to influence business decisions.
Ability to translate analytic findings into actionable recommendations.
Proven ability to collaborate and influence across multiple stakeholders and functions.
Experience with business mix analysis and using data to tell a story.
Working knowledge of USAA underwriting systems, segmentation tools, or analytic platforms.
Demonstrated experience developing or applying underwriting guidelines, segmentation strategies, or rule frameworks.

Benefits

Comp & perks

comprehensive medical, dental and vision plans
401(k)
pension
life insurance
parental benefits
adoption assistance
paid time off program with paid holidays plus 16 paid volunteer hours
various wellness programs
career path planning and continuing education