Protective is seeking an experienced Property & Casualty (P&C) actuarial professional to join our Enterprise Risk Management (ERM) team. This role will serve as a trusted risk advisor to Protective’s growing P&C businesses, including the Asset Protection Division (APD) and the Excess and Surplus (E&S) line of business. They will provide independent actuarial and enterprise risk management perspectives on material business decisions. The successful candidate will apply deep P&C insurance knowledge, actuarial judgment, and capital management expertise to help leadership understand the risk and capital implications of business growth, acquisitions, and other strategic initiatives. This individual will evaluate risk across underwriting, pricing, claims, reinsurance, catastrophe exposure, and capital, translating complex analyses into clear insights and practical recommendations. This is an opportunity to help shape the risk framework for a growing P&C platform, influence enterprise decisions, and support the continued integration and development of P&C operations within Protective. The role is well suited for an experienced actuary who has worked within an insurance carrier’s ERM function and can operate as an independent, credible advisor to business and senior leaders. Dependent on credentialling and experience, the internal title for this role will be either Associate Actuary, P&C or Actuary, P&C. Our posted range encompasses the listed salary for both levels.
Key Responsibilities
• Serve as the primary ERM partner supporting Protective’s P&C businesses, including the Asset Protection Division and the Excess and Surplus line of business.• Provide constructive, independent challenge of business assumptions, actuarial analyses, risk assessments, and management decisions.
• Provide independent actuarial and ERM advice on business growth, risk-taking activities, acquisitions, strategic initiatives, and emerging risks.
• Assess insurance risk exposures relative to Protective’s risk appetite, limits, tolerances, and capital framework.
• Develop and enhance P&C risk metrics, key risk indicators, dashboards, limits, monitoring processes, and escalation procedures.
• Analyze profitability, underwriting performance, adverse loss development, earnings volatility, catastrophe exposure, concentration risk, and potential capital impacts,
• Perform and evaluate stress testing, scenario analysis, and capital assessments to identify potential downside exposures.
• Monitor reinsurance programs, risk-transfer strategies, collateral arrangements, and counterparty credit exposures.
• Monitor catastrophe exposures, geographic concentrations, and risk-accumulation trends across the P&C platform.
• Participate in Own Risk and Solvency Assessment activities, regulatory reporting, annual risk assessments, and emerging-risk reviews
• Translate actuarial and capital analyses into clear recommendations for business leaders, senior management, ERM committees, and Board-level discussions.
• Evaluate the risk and capital implications of potential P&C acquisitions, new programs, portfolio changes, and market expansion opportunities.
• Support the integration of acquired businesses and their risk management practices into Protective’s enterprise risk framework.
• Promote a strong risk culture through education, communication, collaboration, and constructive challenge.
Core Competencies (Skills, knowledge and abilities)
Required Qualifications
Preferred Qualifications
Additional
#LI-AP1Employee 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.