Portfolio Underwriting Manager - Consumer & Hardware

About Vouch:

At Vouch, we believe business insurance should move at the speed of innovation. Legacy insurance providers can’t keep up with the emerging risks of high-growth companies, leaving clients stuck with outdated, rigid coverage.

Vouch is a modern insurance provider dedicated to the innovation economy. Backed by $185M in funding from world-class investors, we’re reimagining business insurance—just as Stripe transformed payments and Brex reimagined credit cards.

Our platform replaces complex, legacy processes with a streamlined, tailored approach to risk management. Advanced technology simplifies every step, while expert advisors negotiate coverage as dynamic as the industries we serve. With Vouch, clients get the right coverage at the right price—and a team that scales with them.

Why should you join our team and Vouch?

This is an exciting opportunity to help shape the future of our Consumer and Hardware portfolio and make a lasting impact on our underwriting strategy and approach. We’re a quickly growing startup that believes in transparency and acknowledgment with our team members and cultivating a values-driven company. Our values are “Put People First,” “Listen, Challenge, and Grow,” “Face challenges head-on and win as a team,” and “Serve clients with integrity and excellence.”

What does a work environment look like at Vouch?

Vouch has employees located across the U.S., with offices in San Francisco, Chicago, and New York City. This role can be based anywhere in the U.S. as long as you can work our Vouch core collaboration hours (8:30 am-2:30 pm Pacific Time) when most internal meetings are held.

Role Responsibilities: 

Vouch seeks a dynamic, goal-oriented, and creative Portfolio Underwriting Manager for the Consumer and Hardware vertical, a role requiring deep expertise in product liability and a keen understanding of professional and/or management liability lines. Your key responsibilities will be to drive profitable growth within our Consumer and Hardware innovation-focused insurance portfolio. You will play a key role in achieving specific growth targets and maintaining optimal loss ratio goals across various insurance products in a vertical. You will be tasked with delivering strategic and tactical portfolio management outcomes and underwriting complex accounts while consistently driving improvements in underwriting efficiency and effectiveness. This role will include broad COE responsibilities for Property, GL, and Products Liability lines.

Job Duties:

• Develop and deliver an effective portfolio management framework for the Consumer and Hardware Innovation economy vertical, providing actionable insights that continuously inform adjustments to underwriting strategy, appetite guides, guidelines, coverages, and pricing through careful monitoring of key portfolio signals and external developments in legislative, economic, and competitive landscapes

• Serve as a Center of Expertise on the underwriting Team for P&C exposures, including Property, GL, and Products Liability

• Facilitate effective knowledge transfer, ensuring the team is well-versed in current underwriting practices and emerging issues

• Deliver target GWP and loss ratios for managed portfolios 

• Underwrite complex accounts and ensure adherence to Vouch’s strategy, guidelines, and reinsurance considerations and refer accounts to the Head of Underwriting as required

• Collaborate closely with the sales and Insurance Product Development teams to understand customer needs and proffer creative underwriting solutions that differentiate Vouch in the marketplace while delivering GWP and Loss Ratio targets

• Continuously seek ways to standardize the decision-making process from a quantitative and qualitative standpoint to inform and augment our underwriting processes

• Deliver actionable underwriting decision-making and process improvement proposals

• Share product and knowledge expertise through direct communication with clients, training and teaching opportunities, as well as external engagements

About you:

• 8+ Years of Experience in Underwriting a diverse portfolio of multiline P&C risks, including in-depth product liability experience with portfolio-level accountabilities and direct underwriting responsibilities

• Deep expertise in primary commercial P&C lines of insurance, including product liability and desire to learn new lines and products

• Working knowledge of Management and Professional liability underwriting

• Ability to demonstrate relentless commitment to GWP Growth and Loss Ratio performance through inquisitiveness in getting at root causes of portfolio performance issues

• Experience working with actuarial, legal, product development, and compliance teams to deliver key underwriting insights and drive changes to underwriting, coverage, and pricing

• Proven ability to drive creative and innovative solutions with customers and profitability in mind

• Experience in delivering complex projects from ideation through execution

• Keen ability to prioritize high-impact work, manage multiple projects in a dynamic environment, and continuously look for opportunities to improve underwriting efficiency and effectiveness 

• Excellent interpersonal skills and the ability to build effective relationships with team members and external stakeholders

Nice to have:

• Exposure to and passion for early-stage startups and/or high-growth environments

• A background in insurance or other regulated categories 

Vouch provides several benefits to help you bring your best self to work:

• 💰 Competitive compensation and equity packages

• ⚕️ Health, dental, and vision insurance

• 👶 Parental leave

• 🌴 Flexible vacation time (Unlimited PTO)

• 🎨 🧠 Wellness allowance ($80/month)

• 📲 🛜 Technology allowance ($100/month)

• 📚 Professional Development ($500/Yr)

• 💻 🎧 Home office setup (One-time $500)

• 🏫 📈 L&D: Partnerships with Ethena, Hone, and weekly Lunch & Learns

• 🏳️‍🌈 ♀️ 🤝 Employee Groups (ERGs, Committees, and Communities): Vouch supports various employee groups to foster an inclusive, equitable workplace and create affirming, empowering, employee-centered spaces for conversation, community, and support. These groups include Pride @ Vouch, Women @ Vouch, Black @ Vouch, Virtual Connections, Pop Culture, Pets of Vouch, Skincare, Astrology, Plants, etc.

• 🧘 💲 Wellbeing: Voucher’s have access to many wellbeing perks, including Calm, ClassPass, Headspace, Fetch, OneMedical, Origin, SoFi, etc.

• 📊 Annual performance reviews with quarterly check-ins: Vouch conducts quarterly review discussions with all team members, offering goal setting and check-ins, development discussions, and promotion opportunities.

What to expect in the interview process:

• 30-minute phone call with our recruiting team

• 30-45 minute Zoom interview with the hiring manager

• Case study/technical screen

• Meet the team! 30-45min 1:1 Zoom meetings with 3-4 team members you’d work closely with in the role

Salary Range: 

The pay range for this role is: $160,000 to $190,000 per year. These bands are based on relevant experience. These roles will have a guaranteed base salary and be eligible for a discretionary annual bonus.

Our salary ranges are based on paying competitively for our size and industry and are one part of our total compensation package that also includes benefits and other perks. We also include stock options in all compensation packages and believe all Vouch employees should have the opportunity to become owners in the company. Individual pay decisions are based on a number of factors, including qualifications for the role, experience level, skill set, location, and business need. The base pay range provided is subject to change and may be modified in the future.

Vouch believes in putting our people first, and building a diverse team is at the front of everything we do. We welcome people from different backgrounds, experiences, perspectives, and ranges of abilities. We are an equal-opportunity employer and celebrate the diversity of our growing team. 

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to [email protected].

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