Senior Lead, Underwriting

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.

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

What We're Looking For

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 carrier or program level
• Deep knowledge of ISO forms, coverage structure, and the interplay between policy language and loss outcomes
• Admitted market experience: state-filed rates, SERFF, ISO deviation, and regulatory compliance expectations
• Strong analytical instincts — comfortable reading loss runs, evaluating portfolio mix, and spotting adverse selection patterns
• Clear, precise communicator — able to make complex coverage questions legible to engineers, product managers, and agents alike

Strong Plus

• E&S / surplus lines experience — manuscript forms, non-standard appetite, wholesale distribution dynamics
• Farm or agribusiness underwriting background
• Experience contributing to reinsurance treaty submissions or loss picks
• Comfort working in tech-forward environments with AI-assisted tools, API-driven quoting systems, and modern policy admin platforms
• CPCU, AU, or equivalent professional designation

$160,000 - $220,000 annual base salary + bonus + equity (commensurate with experience and dependent on location)