Pay Philosophy
The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.

Description
Assigned to multiple states with limited market competition, small written premium base, or mild regulatory environments. Directly accountable for state profit and loss including performance against plan. Responsible for establishing, monitoring and influencing all aspects of state growth and performance. Directs the analysis, development and management of pricing and underwriting strategies in a state. Tracks and responds to changes in the market, such as regulatory issues, legislative issues, and competitive practices. Coordinates activity between Home Office departments, regional departments, and the Underwriting and Production centers. Business strategic initiatives for state(s) will determine scope of duties.

• Establishes objectives for the states in terms of growth and profitability.
• Engages regional department heads to ensure alignment and accountability regarding state business plan.
• Develops, reviews, and implements marketing strategies through the integration of the sales, service, underwriting, pricing, and claims functions.
• Collaborates with regional and Home Office departments to maximize effectiveness of programs while maintaining compliance within state. Monitors the market place and identifies competitor and industry changes impacting effectiveness or compliance of current programs.
• Monitors catastrophe exposure in the state and develops appropriate strategies to manage the exposure at an acceptable level.
• Examines all relevant data and works with the cabinet to implement appropriate changes in pricing position, underwriting standards, sales growth, and claims handling.
• Manage relationship with regulatory agencies and industry organizations. Represents the company at various insurance industry meetings and committees. Communicates with DOI and assures completion of required filings.
• Works with the various distribution channels in the state to develop new business volume and quality standards and objectives, and to monitor the quality of new business sales results.
• Coordinates involvement in Market Conduct Exams.
• Establishes and maintains effective working relationships with the Underwriting Manager and directs the work of the Portfolio Underwriters in order to enhance effectiveness of underwriting strategies and portfolio recommendations.

• MBA or appropriate experience with CPCU designation required
• Highly developed quantitative analysis and decision- making skills
• Excellent written and oral communication, analytical, influencing and leadership skills also required
• 8 to 10+ years progressively responsible work experience required with previous experience in managing a state's business plan or a combination of sales, service, underwriting and claims functions for a region, preferably in personal lines

• California
• San Francisco
• Los Angeles
• Philadelphia