Associate Actuary / Actuary - Property & Casualty

What you'd do

• Serve as the primary ERM partner supporting Protective’s P&C businesses, including the Asset Protection Division and the Excess and Surplus line of business.
• Provide constructive, independent challenge of business assumptions, actuarial analyses, risk assessments, and management decisions.
• Provide independent actuarial and ERM advice on business growth, risk-taking activities, acquisitions, strategic initiatives, and emerging risks.
• Assess insurance risk exposures relative to Protective’s risk appetite, limits, tolerances, and capital framework.
• Develop and enhance P&C risk metrics, key risk indicators, dashboards, limits, monitoring processes, and escalation procedures.
• Analyze profitability, underwriting performance, adverse loss development, earnings volatility, catastrophe exposure, concentration risk, and potential capital impacts
• Perform and evaluate stress testing, scenario analysis, and capital assessments to identify potential downside exposures.
• Monitor reinsurance programs, risk-transfer strategies, collateral arrangements, and counterparty credit exposures.
• Monitor catastrophe exposures, geographic concentrations, and risk-accumulation trends across the P&C platform.
• Participate in Own Risk and Solvency Assessment activities, regulatory reporting, annual risk assessments, and emerging-risk reviews

What they want

• Deep knowledge of P&C insurance risks, products, underwriting, pricing, claims, reserving, reinsurance, and capital management.
• Strong understanding of enterprise risk management principles and their application within an insurance carrier.
• Ability to evaluate business decisions from actuarial, enterprise risk, and capital management perspectives.
• Strong actuarial judgment, quantitative analysis, and structured problem-solving capabilities.
• Ability to evaluate complex financial and risk information, identify material implications, and develop actionable recommendations.
• Strategic thinking and business acumen, including the ability to balance growth, profitability, capital, and risk considerations.
• Ability to provide objective, independent challenge while maintaining strong and productive business partnerships.
• Strong written, verbal, and presentation skills, with the ability to communicate complex actuarial and risk concepts to technical and non-technical audiences.
• Ability to establish credibility and influence business and senior leaders across organizational boundaries.
• Sound judgment and effective decision-making in complex, changing, or ambiguous situations.