Senior Director, Risk

We are a rapidly growing insurtech company on a mission to make housing more affordable and accessible for millions of renters. Our platform sits at the intersection of real estate and financial services, and we work with property managers and renters nationwide to modernize how security deposits, insurance, and lease guarantees are managed. Our product suite spans security deposit insurance, cash deposit management, lease guarantees, renters insurance, and loss of employment insurance. We are at a pivotal stage of growth and are building out the leadership team to match. The Opportunity We are seeking a Senior Director of Risk to own our enterprise risk function at a pivotal stage of growth. This is a senior leadership role for a rigorous analytical thinker who can build and scale a risk organization, set appetite and strategy, and serve as the primary risk voice to our executive team, board, and external partners. We are open to exceptional candidates from P&C insurance, insurtech, credit risk, or broader financial services backgrounds. What matters most: strong quantitative foundations, creative problem-solving, comfort with ambiguity, and a track record of owning risk outcomes in a growth environment. In this role you will lead the following areas: Risk Leadership & Organizational Oversight Own our enterprise risk function, with both Actuarial and Underwriting reporting directly into this role. Set the strategic direction, risk culture, and talent development agenda across the risk organization, coaching and developing functional leaders to execute with rigor and autonomy. Serve as the primary risk voice to executive leadership, the board, and external partners — communicating portfolio performance, emerging exposures, and risk appetite with credibility and transparency. Own our reinsurance program and external capacity relationships — managing our broker partnership, leading treaty negotiations, and proactively sourcing new capacity partners to maintain a diversified and resilient panel. Ensure program structure, limits, and retentions remain continuously aligned with portfolio growth and the company’s capital strategy. Risk Appetite & Underwriting Authority Define and own our risk appetite framework, translating it into clear underwriting guidelines, coverage parameters, and exception boundaries for the Underwriting team to execute against. Exercise final sign-off authority on underwriting decisions that fall outside established guidelines, including complex risk profiles, large exposures, and material policy exceptions. Ensure underwriting strategy remains aligned with carrier requirements, reinsurance structures, and the company’s long-term profitability objectives. Oversee the actuarial or quantitative risk function, ensuring sound reserving, pricing, and loss development methodologies across our full product suite. Guide modeling and analysis to support product development, carrier negotiations, reinsurance structuring, and long-term profitability targets — bringing new data sets and analytical approaches to bear. Ensure quantitative outputs are integrated into underwriting guidelines, pricing frameworks, and portfolio management decisions in a rigorous and scalable way. Hold accountability for overall risk portfolio performance, monitoring loss trends, emerging risks, and profitability against targets across all product lines. Partner with Finance, Product, and Revenue leadership to provide risk-informed perspectives on growth strategy, new product development, and market expansion. Lead industry trends assessment and incorporate relevant insights into risk strategy, portfolio oversight, and forward-looking risk management. What We’re Looking For We are actively seeking candidates from diverse risk backgrounds — including insurance, insurtech, credit risk, structured finance, and broader financial services. Required 12+ years of professional experience in a risk, actuarial, credit, or quantitative analytical role within financial services, insurance, or a related industry. Strong quantitative foundation with demonstrated ability to build or oversee pricing, reserving, or credit loss models — whether in a P&C insurance or credit risk context. Demonstrated experience leading and managing cross‑functional teams, including direct oversight of analytical and underwriting or credit decision functions. Proficiency in statistical software (e.g. SQL, Python, R) and data visualization tools (e.g. Tableau, PowerBI) to manage portfolio performance and risk reporting. Exceptional communication skills with the ability to translate complex risk concepts for executive, board, and external audiences. Demonstrated ownership of a meaningful, ideally growing business line — holding direct accountability for profitability outcomes and a proven ability to drive strategic risk changes that support sustainable, profitable growth. Resourceful, creative problem‑solver who thrives in a fast‑paced, ambiguous environment and can build new frameworks from scratch rather than simply applying existing ones. Executive presence and comfort managing external relationships (carriers, reinsurers, capital partners, or credit facility counterparties). Strongly Preferred Experience in P&C insurance, insurtech, or insurance‑adjacent financial products is a meaningful plus but not required. Actuarial credentials (FCAS, ACAS, FSA, ASA, or equivalent) or equivalent quantitative credentialing (CFA, FRM) are a plus. Prior experience in a high‑growth startup or scale‑up environment, particularly building new insurance or financial products from scratch. Familiarity with reinsurance program structures, carrier relationships, or regulatory frameworks relevant to specialty insurance. #J-18808-Ljbffr Confidential Jobs