Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

We are seeking a dedicated P&C Policy and Performance Underwriter Lead – Property.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

What you'll do:

As P&C Policy and Performance Underwriter Lead you will identify, develop, implement, and manage personal lines P&C Underwriting policies and processes to achieve enterprise priorities. You will partner with internal stakeholders to maintain P&C Underwriting policies and procedures while ensuring compliance with state regulations. You will ensure implementation of complex projects throughout a line of business or specific area.

• Leads and provides guidance to others on the development and implementation of underwriting guidelines, controls, and strategies for all P&C Lines of Business to achieve P&C outcomes.
• Owns and manages a complex body(ies) of work that deliver on strategic underwriting priorities by independently gathering qualitative and quantitative analytical data to proactively evaluate and recommend changes to or establish a point of view on the Underwriting appetite for product acceptability.
• Develops and delivers underwriting educational programs/tools, training/mentoring, and communications to internal and external audiences to include P&C EMG, P&C President, and the Board.
• Provides direction to resolve risks or impediments, mentors, and shares industry knowledge and experience with other employees.
• Independently gathers qualitative and quantitative analytical data, and teaches others on the utilization of data, to conduct root cause analysis to proactively evaluate and recommend changes to, or establish a point of view on the Underwriting appetite or other underwriting processes.
• Serves as a delegate for leadership.
• Communicates and shares information across P&C and the Enterprise, tailors messaging for audiences ranging from peers to senior executives.
• Leads the development of large-scale solutions or complex changes to underwriting policies, programs, products, systems, and processes in a highly regulated environment.
• Evaluates and pilots new strategic and innovative business solutions to optimize and automate underwriting processes.
• Independently configures, tests, and implements systematic underwriting changes while adhering to rule documentation standards.
• Independently leverages data-driven problem-solving techniques, using data analysis tools, to manipulate and interpret business results. Translates findings into insights, shaping into project or Initiative requests where warranted.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• Bachelor's degree; OR 4 years of relevant education and/or experience.
• 8 years of experience in Property & Casualty, Project Management, Process Engineering, Business Process or Risk Management, to include direct experience executing underwriting processes and/or defining underwriting procedures.
• Advanced knowledge of relevant industry practices, insurance policy contracts, trends, and regulatory requirements.
• Experience in leading efforts to interpret and apply P&C regulations to mitigate underwriting compliance risk.
• Experience in making data driven decisions to create actionable recommendations for performance improvement.
• Experience in presenting analysis and findings to varying levels of management and key stakeholders to gather support for business initiatives and influence strategy.
• Experience researching, developing, writing, and editing operational procedures and documents
• Advanced proficiency using Microsoft Word, Excel, PowerPoint, and/or Access.

What sets you apart:

• Demonstrated ability to analyze data and translate modeled outputs into actionable insights
• Experience applying product management principles—such as balancing growth, profitability, and customer experience—to underwriting or insurance products, including influencing product design and underwriting guidelines
• Track record of successfully leading cross-functional initiatives by influencing stakeholders to implement strategic changes and drive measurable outcomes
• Proven ability to connect macro-level market insights to tactical underwriting solutions
• Proven experience working with and a strong understanding of Guidewire systems, including PolicyCenter.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation range: The salary range for this position is: $114,080-$218,030.

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.