Aug 2017 – Sep 2020 · 3 yrs 1 mo · Columbus, Ohio Area

• Key role in building the company from a startup to a multi-billion dollar valuation within three years; including growing topline from less than $1M annually to greater than $500M annually while dramatically improving the profit margin each period.
• Led Pricing functions
• Improved loss ratio from a starting point of over 150% down to mid-70’s during rapid top line growth
• Built team from two to 20+ individuals
• Moved rating from competitor copies to advanced in-house segmentation including multiple improvements to telematics
• Led Underwriting functions
• Transformed from hearsay based guidelines to quantitative based guidelines focused on improved unit economics
• Increased actions per headcount from a few dozen per week to several hundred per week through automation
• Led Reserving functions
• Moved from outsourced to an in-house team of seven that executed all methods
• Achieved a 7-day financial closing routine each month-end
• Integrated directly with pricing and claims teams
• Designed and negotiated Reinsurance arrangements
• Grew reinsurance panel and changed to longer term relationships to achieve surplus requirement relief and shock-loss and cat-loss protections
• Created a captive Reinsurer to add competitive leverage
• Liaison between Root and Regulators
• Explained Root’s businesses through the lenses of differentiated experience, societal impact, and financial soundness
• Expanded Root’s footprint from single line and three states to multiple lines and 30+ states
• Invited as an expert voice in the Delaware DOI Advisory Council on Connected and Autonomous Vehicles
• Investor relations
• Created and presented information for eight Board of Director meetings
• Provided regular monthly information for investors
• Deeply involved in due-diligence efforts
• Company leader
• Speaking roles at company-wide functions
• Culture leader as company grew from 30 people to near 1,000
• Vision lead role on analytics
• Key role in transitioning to WFH during COVID-19

Apr 2016 – Jul 2017 · 1 yr 3 mos · Hartford, CT

• Managed a team of five focused on best-in-class Rate Indications and Rate Management for a 1.2B portfolio across 49 states for the Property, GL, Cyber, EPLI, Professional Liability, and Umbrella lines of business within Small Commercial.
• Rate model development
• Built dual indications processes for traditional methods and advanced modeling methods executed on a quarterly basis leading the business to achieve loss ratio targets each year
• Moved toward by-peril property and liability models and implemented GLMs with fixed and variable effects increasing accuracy of rating segmentation
• Built Professional E&O new product offering from scratch which outperformed profit goals while scaling significantly
• Product management support
• Led forecast build for loss ratio and the breakdown of that forecast into tractable parts for high frequency monitoring
• Combined hypothetical rate strategies into business outcome simulations to create expected impact on business financials to support decision making and tracking

Sep 2013 – Mar 2016 · 2 yrs 6 mos · Hartford, CT

• Similar to above.

Feb 2013 – Sep 2013 · 7 mos · Farmington, CT

• Part of US direct insurance products teams focused on pricing and US commercial programs. Lines included Professional Liability, Reinsurance, General Liability, Commercial Property, Tech E&O, surplus and niche products.

Jan 2012 – Feb 2013 · 1 yr 1 mo · Farmington, CT

• Similar to above.

Mar 2011 – Dec 2011 · 9 mos

• Worked as part of the innovation group developing new services and products for our customers. Involved in many product offerings Hartford currently offers and new concepts. Personal lines focus; telematics development focus.

Jan 2009 – May 2011 · 2 yrs 4 mos

• Pricing consultant for small commercial programs and alternative distribution channels including GL, Property, BOP, WC, and Commercial Auto lines.

Jul 2007 – Dec 2008 · 1 yr 5 mos

• Personal Line ratemaking, predictive modeling, and Product Mgmt support.

May 2006 – Aug 2006 · 3 mos

• Worked in the Claims Actuarial department on detailed claims analysis with Bodily Injury claims arising from Workers' Comp, Personal Lines, or Commercial Lines. Also worked on a early benchmarking system to flag unprofitable business.

Sep 2005 – Apr 2006 · 7 mos

• Worked in the Retirement Investments department, on guaranteed investment products.

May 2005 – Aug 2005 · 3 mos

• Worked in the Individual Life department, scenario testing.