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$175k–$200k/yr
Full-time
Competitive Salary, Equity Stock Options, Unlimited PTO, Sick Leave, Company Holidays, Medical Insurance
Posted 43d ago
~40 hrs/week
Remote in United States
Responsibilities
Lead the company's underwriting function by defining risk appetite, pricing discipline, and portfolio performance strategies. Manage and scale a high-performing team of underwriters while integrating data analytics to optimize risk selection and growth.
Requirements
Requires 10-15+ years of underwriting experience, preferably in property insurance, and an active P&C license in at least one U.S. state. Proven leadership experience and expertise in catastrophe-exposed risks, particularly wildfire, are strongly preferred.
Full job description
Position Overview:
The Head of Underwriting is responsible for leading the company’s underwriting function, driving risk selection, pricing discipline, and portfolio performance. This role combines strategic ownership with team leadership, ensuring underwriting excellence through strong guidelines, data-driven decision-making, and consistent execution.
The Head of Underwriting plays a critical role in balancing growth and profitability, particularly in catastrophe-exposed portfolios, while building a high-performing underwriting team. This role also proactively identifies opportunities to streamline processes and implement automation, leveraging a forward-thinking approach to position the organization for long-term success in an evolving industry.
Key Responsibilities:
Underwriting Strategy & Leadership
●Define and execute underwriting strategy aligned with company risk appetite and growth goals
●Establish clear underwriting frameworks, guidelines, and authority structures
●Lead and develop the underwriting team to ensure consistent, high-quality decision-making
Team Management & Development
●Manage, mentor, and scale a team of underwriters
●Set performance expectations, KPIs, and accountability standards
●Foster a culture of discipline, collaboration, and continuous improvement
Portfolio Management
●Own portfolio performance, including loss ratio, exposure, and concentration risk
●Monitor trends and adjust underwriting strategy based on performance and market conditions
●Actively manage catastrophe exposure, including wildfire and other perils
Pricing & Risk Selection
●Ensure alignment between underwriting decisions and pricing models
●Partner with actuarial and data teams to refine segmentation and risk selection
●Maintain balance between growth targets and profitability
Data & Analytics Integration
●Drive adoption of data-driven underwriting tools, models, and risk scores
●Collaborate with data science teams to improve model performance and usability
●Ensure underwriting decisions are informed by robust analytics and insights
Reinsurance & Risk Alignment
●Partner with reinsurance to align underwriting strategy with risk transfer programs
●Ensure portfolio construction reflects reinsurance structures and constraints
●Support optimization of retention and exposure
Governance & Compliance
●Ensure underwriting practices meet regulatory requirements and internal controls
●Maintain clear documentation, auditability, and consistency
●Support regulatory interactions and internal reviews
●Cross-Functional Leadership
●Collaborate with claims, finance, and revenue teams to align on performance and strategy
●Provide insights into loss drivers and emerging risks
●Serve as a key advisor to executive leadership on portfolio risk and growth
Qualifications:
10–15+ years of underwriting experience, preferably in property insurance
Active Property & Casualty (P&C) insurance license in at least one U.S. state is required. If not currently licensed in California, candidates must be able to obtain a California Non-Resident Property & Casualty license within 90 days of hire.
Proven leadership experience managing and developing underwriting teams
Strong expertise in catastrophe-exposed risks; wildfire experience strongly preferred
Deep understanding of underwriting, pricing, and portfolio management
Experience in insurtech or data-driven underwriting environments preferred
Familiarity with regulatory and compliance frameworks
Compensation and Benefits
●Competitive salary plus equity stock options
●Flexibility to work from anywhere in the United States
●Unlimited PTO, including sick leave and company holidays
●Comprehensive medical, dental, vision, and life insurance. (25% paid by employee, 75% covered by Delos including dependents)
●401(k) retirement savings plan
●Professional development opportunities and tuition assistance
Insurance provider for catastrophe regions, protecting people's homes through coverage and risk mitigation.
Industry
Insurance
Company size
11-50 employees
Founded
2016
Headquarters
San Francisco, CA
LinkedIn followers
3,337
Total funding
$23M
Delos Insurance Solutions, a pioneering Managing General Agent (MGA), is at
the forefront of transforming property insurance in climate-affected regions.
Delos is currently active in California, writing policies in areas that other
insurance providers are avoiding for wildfire exposure.
Traditional insurance models have proven inadequate in an era marked by
the impacts of climate change. Delos has embarked on a groundbreaking
approach, integrating climate and catastrophe modeling expertise at every
level of an insurance provider. Delos' innovative programs leverage
proprietary AI risk models (patented) developed by world-renowned
professors within our team. Beginning with wildfire risk, these models have
consistently outperformed industry standards, allowing Delos to underwrite
policies profitably in areas where legacy carriers are swiftly withdrawing. This
enables Delos to provide insurance coverage to millions of homes that would
otherwise have limited options.
Based on 557 listings with disclosed salaries, most legal jobs in San Francisco, CA pay between $94k–$260k per year. Individual offers vary with seniority, company size, and specialization.
How many Legal jobs are open in San Francisco, CA right now?
There are currently 657 open legal positions in San Francisco, CA listed on Clera. New openings are added daily as companies post roles.
Which companies are hiring for Legal roles in San Francisco, CA?
Companies currently hiring include Harvey, San Francisco Department of Public Health, Interlingva, Inc., OpenAI, UCSF Department of Anesthesia and Perioperative Care, among others. Browse the listings above to see every active employer.
Are there remote or hybrid Legal jobs in San Francisco, CA?
Yes — 403 of the 657 open legal positions offer remote or hybrid work (56 remote, 347 hybrid).
How do I apply for Legal jobs in San Francisco, CA?
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