Director, Program Underwriting & Portfolio Management

Overview

We are seeking a carrier‑side underwriting leader responsible for the management, performance, and governance of delegated authority personal lines portfolios, primarily renters / HO‑4 and tenant liability programs written through MGAs and MGUs.

This role does not underwrite individual risks. Instead, it owns portfolio‑level underwriting results, MGA performance oversight, pricing and loss ratio management, and coordination with actuarial, claims, and partner MGAs to ensure profitable, compliant growth.

Responsibilities

• Own underwriting and financial performance for multiple MGA / MGU portfolios, including loss ratio, rate adequacy, exposure management, and authority controls
• Serve as the primary carrier underwriting point of contact for MGA partners
• Partner closely with actuarial on pricing reviews, indications, loss emergence, and portfolio diagnostics
• Establish and enforce underwriting guidelines, authority structures, audit findings, and remediation plans
• Monitor portfolio trends (frequency/severity, mix shifts, leakage, guideline drift) and implement corrective action
• Lead underwriting input into MGA  boarding, program changes, and renewal decisions
• Coordinate with claims, data, and compliance teams to maintain strong program governance
• Present portfolio results and recommendations to senior leadership
• This role is accountable for portfolio outcomes, not individual underwriting decisions.

Qualifications

• 5+ years program management experience.
• Significant knowledge of Renters, Travel and Ticket insurance products and coverage offerings.
• Carrier‑side underwriting or portfolio leadership responsibility for delegated authority MGA / program business
• Demonstrated ownership of loss ratio and portfolio performance
• Experience managing multiple MGA relationships simultaneously
• Strong collaboration with actuarial teams (pricing, rate actions, performance analysis)
• Comfort making and executing portfolio changes (rate, rules, capacity, authority)
• Ability to interpret insurance rules and regulations and apply knowledge for the highest standard of compliance.
• High level of integrity and attention to detail.
• Exceptional analytical, problem-solving and organizational skills.
• Excellent verbal and written communication skills.
• Proficiency in Microsoft Office Suite.
• Able to work independently and as part of a team in a fast-paced

What We Offer

AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.

AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.

AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.