About Delos Insurance SolutionsDelos Insurance Solutions is a tech-enabled MGA focused on underwriting complex homeowners risks, particularly in catastrophe-exposed regions. We combine proprietary risk models with a modern tech stack and deep insurance expertise. Backed by top-tier VCs, we’re growing rapidly and are looking for high-impact team members to help us scale.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 ResponsibilitiesUnderwriting Strategy & LeadershipDefine and execute underwriting strategy aligned with company risk appetite and growth goalsEstablish clear underwriting frameworks, guidelines, and authority structuresLead and develop the underwriting team to ensure consistent, high-quality decision-makingTeam Management & DevelopmentManage, mentor, and scale a team of underwritersSet performance expectations, KPIs, and accountability standardsFoster a culture of discipline, collaboration, and continuous improvementPortfolio ManagementOwn portfolio performance, including loss ratio, exposure, and concentration riskMonitor trends and adjust underwriting strategy based on performance and market conditionsActively manage catastrophe exposure, including wildfire and other perilsPricing & Risk SelectionEnsure alignment between underwriting decisions and pricing modelsPartner with actuarial and data teams to refine segmentation and risk selectionMaintain balance between growth targets and profitabilityData & Analytics IntegrationDrive adoption of data-driven underwriting tools, models, and risk scoresCollaborate with data science teams to improve model performance and usabilityEnsure underwriting decisions are informed by robust analytics and insightsReinsurance & Risk AlignmentPartner with reinsurance to align underwriting strategy with risk transfer programsEnsure portfolio construction reflects reinsurance structures and constraintsSupport optimization of retention and exposureGovernance & ComplianceEnsure underwriting practices meet regulatory requirements and internal controlsMaintain clear documentation, auditability, and consistencySupport regulatory interactions and internal reviewsCross-Functional LeadershipCollaborate with claims, finance, and revenue teams to align on performance and strategyProvide insights into loss drivers and emerging risksServe as a key advisor to executive leadership on portfolio risk and growthQualifications:10–15+ years of underwriting experience, preferably in property insuranceActive 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 teamsStrong expertise in catastrophe-exposed risks; wildfire experience strongly preferredDeep understanding of underwriting, pricing, and portfolio managementExperience in insurtech or data-driven underwriting environments preferredFamiliarity with regulatory and compliance frameworksCompensation and BenefitsCompetitive salary plus equity stock optionsFlexibility to work from anywhere in the United StatesUnlimited PTO, including sick leave and company holidaysComprehensive medical, dental, vision, and life insurance. (25% paid by employee, 75% covered by Delos including dependents)401(k) retirement savings planProfessional development opportunities and tuition assistance
