Senior Commercial Program Underwriter - Remote

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Job Title

Senior Commercial Program Underwriter - Remote

Requisition Number

R7936 Senior Commercial Program Underwriter - Remote (Open)

Location

Arizona - Home Teleworkers

Additional Locations

Alabama - Home Teleworkers, Alabama - Home Teleworkers, Arkansas - Home Teleworkers, California - Home Teleworkers, Colorado - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker, Montana - Home Teleworkers {+ 21 more}

Job Information

We're Mobilitas, a commercial insurance company created by CSAA Insurance Group. Our mission is to reinvent commercial insurance in the mobility space to offer our partners innovative solutions for today’s way of doing business. At Mobilitas, we believe in what's possible and we use our inventive skills to meet the demands of modern mobility with exceptional service. We’re looking for motivated, innovative individuals who think big, move fast and are dedicated to creating a company from the ground up, without the constraints of a traditional insurance company. We’re excited to push the boundaries of commercial insurance and are looking for enthusiastic team members to help us reimagine insurance.

We are actively hiring for a Senior Commercial Program Underwriter !

Your Role:

This role supports Mobilitas' programs in the sharing economy and mobility market, including ride-sharing, on-demand and last-mile delivery, autonomous vehicles, and related mobility segments.

Directs and coordinates the development, onboarding, governance, and performance management of assigned delegated authority programs and serves as the primary carrier business owner for those relationships. Responsible for both new program development and ongoing program oversight throughout the delegated authority lifecycle. This role will function as a subject-matter expert in delegated authority governance, underwriting stewardship, and new program development, and will be actively engaged with program strategy design and implementation. Manages moderate-to-large or higher-complexity programs that carry moderate-to-higher risk and high regulatory or market complexity.

Your Work:

Program Strategy, Development & Launch

Leads assessment and development of new program opportunities and expansions into new markets or products presented by program administrators.

Leads underwriting, operational, financial, and strategic due diligence and prepares recommendation and approval materials for internal review forums.

Develops program business cases, appetite / pricing framing, revenue and loss projections, launch plans, and milestone schedules.

Directs cross-functional onboarding and go-live readiness across Underwriting, Actuarial, Claims, Operations, Finance, Legal / Compliance, and IT.

Manages program implementation projects including team coordination, resources, budget, and timelines.

Program Governance & Delegated Authority Oversight

Establishes and maintains authority matrices, referral thresholds, and escalation / intervention frameworks for assigned programs.

Leads governance meetings, committee cadence, and material-change reviews (products, systems, ownership, growth spikes).

Is responsible for adherence to agreements and drives remediation of governance gaps.

Maintains committee structure, reporting cadence, key risk indicators, and portfolio-level aggregation controls.

Underwriting Stewardship

Establishes underwriting guidelines, appetite, class definitions, exclusions, and risk-selection standards delegated to the program administrator.

Sets, monitors, and enforces delegated underwriting authority limits, referral thresholds, and breach management.

Reviews and approves product structures, policy forms, endorsements, and material wording changes prior to use.

Monitors underwriting quality, adherence, drift, and concentration risk; conducts performance reviews and corrective-action planning.

Approves pricing methodologies, rating changes, discounts, and surcharges within authority and monitors adherence.

Portfolio Performance & Profitability

Owns profitability and performance management for assigned programs against targets and approved risk appetite.

Develops performance action plans and monitors results; identifies and addresses adverse trends.

Leads monthly and quarterly performance and stewardship reviews with the program administrator.

Validates completeness, accuracy, and timeliness of bordereaux; supports profit-share calculation inputs.

Monitors program administrator financial condition, credit exposure, and stress indicators in coordination with Finance.

Relationship Management

Serves as primary carrier relationship owner and day-to-day contact for assigned program administrators.

Leads business reviews, performance discussions, and coordination across internal functions.

Acts as primary escalation contact and drives resolution of operational and performance issues.

Manages relationship health, issue tracking, and follow-through on commitments.

Regulatory, Compliance & Risk Management

Is responsible for regulatory compliance of delegated activities, including outsourcing obligations and regulatory expectations.

Drafts, negotiates, maintains, and helps enforce delegated authority agreements, addenda, and amendments in coordination with Legal.

Oversees agency / sub-producer appointment, maintenance, and termination to ensure properly licensed and authorized parties.

Required Experience, Education and Skills:

Bachelor's degree in a related area (Business, Marketing, Finance, Economics, Data Analytics, or a related field) or an equivalent combination of education and experience is required.

8+ years of increasingly responsible commercial insurance, underwriting, or delegated authority / program management experience.

Advanced knowledge of delegated authority oversight, governance, and commercial underwriting.

Advanced financial analysis, portfolio management, and profitability-evaluation skills.

Proven track record of leading cross-functional partners and influencing without direct authority.

Strong due diligence, business-case development, and program-onboarding skills.

Skilled negotiator and superb communication and presentation skills with both internal and external partners.

Advanced knowledge of regulatory and contractual requirements applicable to delegated authority programs.

What would make us excited about you?

Advanced degrees preferred.

Relevant industry designations (eg. CPCU, AU, ARe) preferred.

In-depth experience underwriting, developing, or managing programs in the sharing economy and mobility market across multiple segments.

Demonstrated experience assessing and structuring coverage for other emerging or specialty risk areas, including navigating limited loss history and evolving regulation.

Actively shapes our company culture (e.g., supporting employee resource groups, mentoring employees, volunteering, joining cross-functional projects).

Champions our cultural norms (e.g., willing to have cameras on when it matters: helping onboard new team members, building relationships, etc.).

Demonstrates a company ownership mindset, thinking beyond bou