The work we do has an impact on millions of lives, and you can be a part of it. We help protect our customers against life’s uncertainties. Regardless of where you work within the company, you’ll be helping provide protection and peace of mind when our customers need it most.
The Vice President & Chief APD Actuary serves as the Asset Protection Division’s senior actuarial and risk executive. Reporting to the Division President, this leader provides independent actuarial oversight and shapes pricing, underwriting, portfolio, and risk decisions to support disciplined growth and strong financial performance. The role leads the actuarial function, partners across the business, and ensures the integrity of actuarial opinions, reserve analyses, and regulatory reporting.
Responsibilities
· Provide independent actuarial and risk oversight for APD’s asset protection products, including VSC, GAP, and ancillary offerings; establish credibility as APD’s independent actuarial voice; and preserve professional skepticism while escalating material concerns.
· Oversee pricing strategy and performance across APD lines; challenge models, assumptions, methodologies, and data quality; strengthen pricing, reserve, model, and risk governance; and recommend actions that support profitability, disciplined margins, financial objectives, and APD’s risk appetite.
· Partner with Product, Underwriting, Finance, Commercial, Claims, and Operations on risk selection, guidelines, new products, program governance, portfolio trends, loss drivers, pricing implications, and mitigations that balance growth, capital efficiency, and risk.
· Monitor in-force performance through dashboards and risk indicators, including loss ratios, emergence patterns, frequency and severity trends, and other experience metrics; recommend actions to improve outcomes or rebalance risk.
· Lead actuarial support for reinsurance strategy, evaluating structures, pricing, economic value, capital impact, retention limits, counterparty exposure, performance, and emerging risks to protect earnings and balance-sheet resilience.
· Lead reserve adequacy assessments and support capital, solvency, financial planning, stress testing, and M&A analyses with Finance and Enterprise Risk.
· Own P&C actuarial and regulatory reporting, including reserve analyses, actuarial opinions, and supporting memoranda; monitor relevant developments and ensure timely, accurate, compliant, decision-useful reporting.
· Engage Pricing Committees, the CFO, the Chief Risk Officer, and other senior stakeholders through timely, decision-useful portfolio insights, clear performance reporting, actionable recommendations, and effective enterprise partnerships.
· Build and lead an accountable, high-performing actuarial organization with strong capabilities, clear decision rights, technical standards, disciplined analysis, constructive challenge, continuous improvement, integrity, and succession depth.
Leadership Capabilities
· Applies deep P&C or specialty insurance expertise across pricing, reserving, reinsurance, in-force performance, loss drivers, and portfolio risk.
· Uses strong quantitative, analytical, and problem-solving skills to translate complex actuarial analysis into clear, actionable insights and disciplined decisions.
· Communicates actuarial judgments, uncertainty, and recommendations credibly to executives, governance committees, boards, auditors, regulators, and technical and nontechnical stakeholders.
· Builds trusted, action-oriented partnerships across functions while constructively challenging assumptions and maintaining actuarial independence.
· Develops accountable, high-performing teams and creates alignment through clear communication, effective change leadership, and disciplined execution.
· Brings an enterprise and customer perspective and leads with curiosity, adaptability, resilience, courage, authenticity, and professional integrity.
· A minimum of 10 years of progressively responsible actuarial experience in P&C, specialty, or asset protection insurance, including senior actuarial team leadership and experience across pricing, reserving, risk management, financial reporting, regulatory engagement, and executive decision support.
· Associate of the Casualty Actuarial Society (ACAS) required; Fellow of the Casualty Actuarial Society (FCAS) preferred.
· Experience with extended warranty, service contract, GAP, or similar protection products preferred.
· Reinsurance and loss portfolio monitoring experience strongly valued.
Employee Benefits: We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective’s platform to improve wellbeing while earning cash rewards.
Eligibility for certain benefits may vary by position in accordance with the terms of the Company’s benefit plans.
Accommodations for Applicants with a Disability: If you require an accommodation to complete the application and recruitment process due to a disability, please email eric.hess@protective.com. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process.
Please note that the above email is solely for individuals with disabilities requesting an accommodation. General employment questions should not be sent through this process.
We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.
