Vice President, Chief Underwriter

Founded in 1934, Medical Mutual is the oldest and one of the largest health insurance companies based in Ohio. We provide peace of mind to more than 1.2 million members through our high-quality health, life, disability, dental, vision and indemnity plans. We offer fully insured and self-funded group coverage, including stop loss, as well as Medicare Advantage, Medicare Supplement, and individual plans.

The VP, Chief Underwriter leads Medical Mutual's enterprise underwriting strategy, governance, and pricing discipline. This role establishes underwriting policies, risk-selection standards, and decision frameworks that promote rate adequacy, portfolio profitability, regulatory compliance, and alignment with acceptable risk levels. The VP partners with Actuarial, Finance, Sales, Product, Compliance, and business leaders to support profitable growth, market competitiveness, and sustainable financial performance.

Responsibilities:

• Provides executive leadership for MMO's underwriting strategy, policies, standards, and decision. Establishes underwriting principles, authority levels, risk-selection guidelines, and governance practices that support profitable growth, financial strength, regulatory compliance, and consistent with acceptable risk levels.
• Leads underwriting's role in rate adequacy, pricing discipline, medical cost trend evaluation, MLR performance, and portfolio profitability. Partners with Actuarial, Finance, Product, Sales, and business leaders to monitor experience, identify emerging risk, evaluate corrective actions, and ensure pricing and underwriting decisions support sustainable financial performance.
• Serves as a strategic partner to commercial, individual, stop-loss, and related product teams to support market competitiveness, profitable membership growth, product modernization, broker/employer value, and territory or segment expansion. Evaluates underwriting implications of product design, funding arrangements, network strategies, distribution opportunities, and competitive market dynamics.
• Directs underwriting and rating practices to ensure consistent application of policies, compliance with applicable state and federal requirements, and adherence to MMO's contract, filing, audit, and control expectations. Supports regulatory readiness by maintaining sound documentation, defensible underwriting practices, and effective coordination with Compliance, Legal, Actuarial, Finance, and Product.
• Leads underwriting teams by setting priorities, clarifying decision rights, developing talent, and ensuring effective execution of underwriting responsibilities. Drives continuous improvement through data, analytics, automation, process simplification, and cross-functional collaboration to improve speed, consistency, quality, and strategic value delivered by the underwriting function.
• Performs other duties as assigned.

Qualifications:

Education and Experience:

• Master's Degree in Accounting, Actuarial, Finance, Business, Math, Systems or related field or equivalent combination of education and experience.
• 12 years progressive experience in group health underwriting techniques, 8 years which are in a managerial/leadership capacity.

Technical Skills and Knowledge:

• Advanced Underwriting & Risk Assessment
• Portfolio & Aggregate Risk Management
• Analytical and actuarial fluency

Medical Mutual is looking to grow our team! We truly value and respect the talents and abilities of all of our employees. That's why we offer an exceptional package that includes:

A Great Place to Work:

• We will provide the equipment you need for this role, including a laptop, monitors, keyboard, mouse and headset.
• Whether you are working remote or in the office, employees have access to on-site fitness centers at many locations, or a gym membership reimbursement when there is no Medical Mutual facility available. Enjoy the use of weights, cardio machines, locker rooms, classes and more.
• On-site cafeteria, serving hot breakfast and lunch, at the Brooklyn, OH headquarters.
• Discounts at many places in and around town, just for being a Medical Mutual team member.
• The opportunity to earn cash rewards for shopping with our customers.
• Business casual attire, including jeans.

Excellent Benefits and Compensation:

• Employee bonus program.
• 401(k) with company match up to 4% and an additional company contribution.
• Health Savings Account with a company matching contribution.
• Excellent medical, dental, vision, life and disability insurance - insurance is what we do best, and we make affordable coverage for our team a priority.
• Access to an Employee Assistance Program, which includes professional counseling, personal and professional coaching, self-help resources and assistance with work/life benefits.
• Company holidays and up to 16 PTO days during the first year of employment with options to carry over unused PTO time.
• After 120 days of service, parental leave for eligible employees who become parents through maternity, paternity or adoption.

An Investment in You:

• Career development programs and classes.
• Mentoring and coaching to help you advance in your career.
• Tuition reimbursement up to $5,250 per year, the IRS maximum.
• Diverse, inclusive and welcoming culture with Business Resource Groups.

About Medical Mutual:

Medical Mutual's status as a mutual company means we are owned by our policyholders, not stockholders, so we don't answer to Wall Street analysts or pay dividends to investors. Instead, we focus on developing products and services that allow us to better serve our customers and the communities around us.

There's a good chance you already know many of our Medical Mutual customers. As the official insurer of everything you love, we are trusted by businesses and nonprofit organizations throughout Ohio to provide high-quality health, life, disability, dental, vision and indemnity plans. We offer fully insured and self-funded group coverage, including stop loss, as well as Medicare Advantage, Medicare Supplement and individual plans. Our plans provide peace of mind to more than 1.2 million Ohioans.

We're not just one of the largest health insurance companies based in Ohio, we're also the longest running. Founded in 1934, we're proud of our rich history with the communities where we live and work.

We maintain a drug-free workplace and perform pre-employment substance abuse and nicotine testing. #LI-LS1 #Hybrid