Personal Lines Underwriting Director Strategy

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture.

Our Personal Lines team is looking to add an Underwriting Director of Strategy.

This is a full time, exempt role.

POSITION OVERVIEW

The Director, PL Underwriting Strategy – Risk Appetite & Portfolio Strategy is a strategic leader responsible for defining, monitoring, and optimizing the risk and growth posture of the Personal Lines portfolio. This role owns the strategic articulation of risk appetite, target returns, growth priorities, and portfolio guardrails, and ensures these are clearly communicated and operationalized across the organization.

This leader provides an enterprise view of portfolio performance and risk tradeoffs, proactively identifying opportunities and vulnerabilities. The role partners closely with Product, Actuarial, Finance, Underwriting, and Enterprise Risk to influence where and how the company chooses to compete.

IN THIS ROLE YOU WILL

• Define and evolve the Personal Lines risk appetite framework, including growth targets, profitability thresholds, volatility tolerance, and concentration limits
• Develop and maintain a portfolio strategy view across products, segments, geographies, and distribution channels (for example, high value and agency partnership strategy)
• Assess portfolio performance relative to risk appetite and strategic objectives; identify emerging risks, exposure shifts, and opportunity areas
• Lead scenario analysis and stress testing to understand portfolio impacts under varying market, weather, and competitive conditions
• Partner with Actuarial and Finance to ensure alignment between underwriting strategy, pricing adequacy, capital considerations, and financial outcomes
• Translate portfolio insights into clear strategic d