Personal Lines Portfolio Analyst

A Personal Lines Portfolio Analyst evaluates the performance of personal insurance books of business, identifying trends, profitability drivers, and opportunities for improvement. They support underwriting, product, and actuarial teams by analyzing loss ratios, pricing adequacy, risk mix, and geographic or segment‑level performance.

Core Responsibilities

• Analyze portfolio performance across auto, home, and other personal lines products
• Evaluate loss trends, frequency and severity patterns, and emerging risks
• Assess pricing adequacy and rate‑level impacts
• Develop dashboards and reports for underwriting and product leadership
• Identify unprofitable segments and recommend corrective actions
• Support filings, product updates, and underwriting strategy
• Collaborate with actuarial, underwriting, and data teams

Key Skills

• Strong analytical and quantitative abilities
• Understanding of personal lines insurance and portfolio dynamics
• Proficiency with data tools, reporting platforms, and spreadsheets
• Ability to interpret trends and communicate insights clearly
• Attention to detail and problem‑solving mindset

Common Designations

• AINS — Associate in General Insurance
• API — Associate in Personal Insurance
• ARM — Associate in Risk Management