Senior Lead, Underwriting

Responsibilities

• Guidelines & Appetite Ownership
• Author, maintain, and evolve underwriting guidelines across all MGT lines: BOP, Commercial Auto, Farm, Property, and General Liability
• Define and document MGT's risk appetite - what we target, what we avoid, and where we compete on selection vs. price
• Establish and maintain underwriting authority matrices; ensure consistent application across admitted and E&S markets
• Own the referral and exception framework - what escalates, who decides, and how decisions are documented
• Drive regular guideline reviews informed by loss experience, market shifts, and reinsurance treaty requirements
• Coverage & Technical Interpretation
• Serve as MGT's authoritative voice on coverage questions - policy language, exclusions, endorsements, and manuscript form decisions
• Partner with forms and compliance on SERFF filings, ISO deviation analysis, and non-standard coverage structures
• Review and opine on complex or non-standard submissions that fall outside standard guidelines
• Provide technical UW input to the Athena AI underwriting agent - coverage interpretation, edge case reasoning, and appetite encoding (see AI Underwriting Agents section below)
• Portfolio Quality & Loss Analytics
• Own the underwriting quality program: file audits, bind reviews, renewal screenings, and adverse selection monitoring
• Partner with actuarial and data teams on rate adequacy reviews, loss ratio analysis, and segment-level profitability assessment
• Identify guideline gaps or adverse trends and drive corrective action - through guideline amendments, appetite tightening, or pricing signals
• Contribute to reinsurance submissions and treaty discussions with technical UW perspective
• Product & Pricing Partnership
• Collaborate with product managers on new program design, coverage enhancements, and schedule rating logic (SRRP, debits/credits)
• Provide UW input on filed rate changes, classification reviews, and ISO circular adoption decisions
• Help translate underwriting logic into system rules, Athena prompts, and Aimee appetite gate criteria
• Participate in carrier partner reviews, reinsurance meetings, and regulatory audits as the technical UW lead
• AI Underwriting Agents
• Serve as the primary underwriting subject matter expert for Athena, MGT's AI underwriting agent - defining the judgment logic, appetite rules, and escalation criteria that govern how the agent operates
• Author and maintain UW agent prompts across lines of business - translating underwriting guidelines, class-level appetite, and coverage intent into structured AI instructions
• Review Athena outputs regularly - identify misapplied appetite, gaps in reasoning, or edge cases not yet addressed, and iterate on agent instructions accordingly
• Partner with engineering and product on new agent capabilities - including referral routing, schedule rating logic, and coverage recommendation features
• Help establish quality benchmarks and review cadences to ensure AI-assisted decisions stay consistent with MGT's underwriting standards over time
• Team & Knowledge Development
• Mentor and develop underwriting staff - build technical depth, coverage knowledge, and consistent judgment across the team
• Create and maintain internal UW training resources, decision frameworks, and coverage interpretation guides
• Champion a culture of underwriting rigor, intellectual honesty, and continuous learning

Requirements

• Required
• 10+ years of commercial P&C underwriting experience with technical depth across at least three of: BOP, Commercial Auto, Farm, General Liability, or Commercial Property
• Demonstrated experience authoring or substantially revising underwriting guidelines at a car

Benefits

Additional Information

About MGT Insurance MGT is the first AI-driven, neo-insurer focused on evolving commercial P&C insurance for the brokers and small business owners. By combining the expertise of industry veterans with state-of-the-art technology, we are ushering in the next evolution of commercial insurance and working to move the industry forward through the use of modern technology, better processes, and a rock-star team. We seek visionary leaders who thrive in dynamic, entrepreneurial settings, and excel in autonomous roles. We are hiring a Senior Lead, Underwriting to serve as the primary underwriting authority within MGT's insurance organization. This is not a field UW role you are the person who defines how MGT underwrites: what we write, what we don't, why, and how consistently that judgment is applied across our book and our team. You're a seasoned small commercial P&C underwriter who combines deep technical judgment with the operational and leadership capacity to build, run, and continuously improve a high-performing underwriting function. One that operates at the speed and scale a broker-facing, quote-and-bind platform demands. In this role you'll report directly to the Head of Insurance Product & UW and sit at the center of MGT's product, pricing, and underwriting functions.

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