Director, Credit Risk

Dr Risk Analysis - KR06EE We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. This Director level role serves as a senior subject matter expert in credit risk, financial analysis, and collateral structuring, partnering closely with National Accounts underwriting (~$600M annual premium) to support continued growth of complex, loss-sensitive business. The role will engage directly with external stakeholders, including brokers, clients, and prospective clients, including CFOs and senior finance leaders. As a Tier 6 leader, this individual will influence business outcomes by educating and advising internal and external partners on credit risk assessment, financial ratings, collateral strategy, including acceptable forms of collateral, ensuring alignment with enterprise risk standards. In addition, this role performs comprehensive credit and financial statement analysis and approvals, for prospective and renewal customers, to assess the creditworthiness for each large deductible, loss sensitive account. Enable external client and market visibility through engagement with senior brokers, broker field offices, and key accounts. Lead discussions, as a subject matter expert on loss-sensitive credit and collateral appetite and strategy, competitor intelligence, and emerging product developments. This function will be approximately 50% of the role's focus, with ~10% travel required. Provide broker training, as needed, on credit risk and collateral management for complex large deductible, loss-sensitive programs. Perform and approve financial reviews, utilizing financial statements, footnotes, and materials for prospective and renewal accounts, to assess the financial strength and creditworthiness for each large deductible, loss-sensitive account. Partner with National Accounts underwriters and practice leaders to develop a strong understanding of workflows and concepts related to National Accounts insurance products and claims. Develop a deep understanding of the goals and objectives of private equity and anticipate the strategic direction of the private equity manager and related credit implications. Drive department objectives to enhance processes, increase efficiency, while leveraging technology and AI.

Job Qualifications:

Excellent communication, presentation, and interpersonal skills in client facing environment Proven ability to interact with senior stakeholders Strong Microsoft Office suite skillset, including AI products Demonstrated leadership, initiative, resourcefulness, with the ability to work independently and collaboratively in a team environment Ability to operate effectively in a fast-paced, time-sensitive environment, driven by insurance quote cycles and deadlines

Preferred Qualifications:

Strong knowledge of Generally Accepted Accounting Principles 8+ years of experience in accounting or financial analytics required Credit analysis, collateral management, and financial product knowledge required Broad understanding of industry economics and market dynamics Experience with National Accounts large deductible, loss-sensitive products Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $132,000 - $198,000 Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us | Our Culture | What It's Like to Work Here | Perks & Benefits Every day, a day to do right. Showing up for people isn't just what we do. It's who we are - and have been for more than 200 years. We're devoted to finding innovative ways to serve our customers, communities and employees—continually asking ourselves what more we can do. Is our policy language as simple and inclusive as it can be? Can we better help businesses navigate our ever-changing world? What else can we do to destigmatize mental health in the workplace? Can we make our communities more equitable? That we can rise to the challenge of these questions is due in no small part to our company values that our employees have shaped and defined. And while how we contribute looks different for each of us, it's these values that drive all of us to do more and to do better every day. About Us Our Culture What It's Like to Work Here Perks & Benefits Legal Notice Accessibility Statement Producer Compensation EEO Privacy Policy California Privacy Policy Your California Privacy Choices International Privacy Policy Canadian Privacy Policy Unincorporated Areas of LA County, CA (Applicant Information) MA Applicant Notice Hartford India Prospective Personnel Privacy Notice Electronic Monitoring Policy