Director, Credit Risk

Dr Risk Analysis - KR06EE We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future. Role Overview This Director level role serves as a senior subject matter expert in credit risk, financial analysis, and collateral structuring, partnering closely with National Accounts underwriting (≈$600M annual premium) to support continued growth of complex, loss‑sensitive business. It involves engaging directly with external stakeholders, including brokers, clients, and prospective clients, such as CFOs and senior finance leaders. Responsibilities Engage directly with external stakeholders, including brokers, clients, CFOs, and senior finance leaders. Educate and advise internal and external partners on credit risk assessment, financial ratings, collateral strategy, and acceptable forms of collateral to ensure alignment with enterprise risk standards. Perform comprehensive credit and financial statement analysis and approvals for prospective and renewal customers, assessing creditworthiness for each large‑deductible, loss‑sensitive account. Enable external client and market visibility through engagement with senior brokers, broker field offices, and key accounts. Lead discussions as a subject matter expert on loss‑sensitive credit and collateral appetite and strategy, competitor intelligence, and emerging product developments. Provide broker training on credit risk and collateral management for complex, large‑deductible, loss‑sensitive programs. Partner with National Accounts underwriters and practice leaders to develop a strong understanding of workflows and concepts related to National Accounts insurance products and claims. Develop a deep understanding of the goals and objectives of private equity and anticipate the strategic direction of private‑equity managers and related credit implications. Drive department objectives to enhance processes, increase efficiency, while leveraging technology and AI. Travel approximately 10% of the time. Qualifications Excellent communication, presentation, and interpersonal skills in a client‑facing environment. Proven ability to interact with senior stakeholders. Strong Microsoft Office suite skillset, including AI products. Demonstrated leadership, initiative, resourcefulness, with the ability to work independently and collaboratively in a team environment. Ability to operate effectively in a fast‑paced, time‑sensitive environment, driven by insurance quote cycles and deadlines. Preferred Qualifications Strong knowledge of Generally Accepted Accounting Principles. 8+ years of experience in accounting or financial analytics. Credit analysis, collateral management, and financial product knowledge. Broad understanding of industry economics and market dynamics. Experience with National Accounts large‑deductible, loss‑sensitive products. Compensation The listed annualized base pay range is $132,000 – $198,000. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency, and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short‑term or annual bonuses, long‑term incentives, and on‑the‑spot recognition. EEO Statement Equal Opportunity Employer / Sex / Race / Color / Veterans / Disability / Sexual Orientation / Gender Identity or Expression / Religion / Age #J-18808-Ljbffr The Hartford