Description

Insurance... sounds slow, old-fashioned, and unexciting. Exactly. Insurance is broken, and it's failing fast-moving, innovative startups. Vouch is a new, technology-first insurance company backed with $185M in funding from world-class investors. Like Stripe for payments or Brex for credit cards, Vouch is creating the go-to business insurance for high-growth companies. We're doing this by making insurance fast, responsive, and focused on our high-growth and innovative customers. Instead of printed PDF applications and week-long waits, Vouch is building new technology to solve real problems, writing policies that actually cover relevant startup scenarios, and designing simple experiences in an otherwise frustrating industry. This is an exciting opportunity to help shape the future of our Consumer and Hardware portfolio and make a lasting impact on our underwriting strategy and approach. We're a quickly growing startup that believes in transparency and acknowledgment with our team members and cultivating a values-driven company. Our values are "Put People First," "Listen, Challenge, and Grow," "Face challenges head-on and win as a team," and "Serve clients with integrity and excellence." Vouch is a Virtual First Workplace with San Francisco, Chicago, and New York City office locations. This role can be based anywhere in the U.S. as long as you can work our Vouch core collaboration hours (8:30 am-2:30 pm Pacific Time) when most internal meetings are held. 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. 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.