Insurance Underwriter SME

It's fun to work in a company where people truly BELIEVE in what they are doing!

We're committed to bringing passion and customer focus to the business.

Insurance Underwriter SME (SR-39481)

New York, NY (Preferred) / East Coast Remote

Fractal is a strategic AI partner to Fortune 500 companies with a vision to power every human decision in the enterprise. Fractal is building a world where individual choices, freedom, and diversity are the greatest assets. An ecosystem where human imagination is at the heart of every decision. Where no possibility is written off, only challenged to get better. We believe that a true Fractalite is the one who empowers imagination with intelligence. Fractal has been featured as a Great Place to Work by The Economic Times in partnership with the Great Place to Work® Institute and recognized as a ‘Cool Vendor’ and a ‘Vendor to Watch’ by Gartner.

Please visit Fractal | Intelligence for Imagination for more information about Fractal

Preferred Locations: New York, NY., Chicago, IL., Hartford, CT., Boston, MA., Charlotte, NC. Philadelphia, PA., Atlanta, GA

Note: This position is not eligible for Immigration Sponsorship at this time.

Role Overview

We are building an AI-powered underwriting solution and are looking for a seasoned P&C underwriting practitioner to serve as our Subject Matter Expert. This is not a traditional underwriting role - you will directly shape product direction, validate AI use cases, and help us build something that solves real operational pain points for underwriters.

If you're someone who's frustrated by legacy systems, loves the idea of building rather than maintaining, and wants your expertise to have a lasting impact - this is for you.

Responsibilities

• Conduct pain point validation and workflow documentation across P&C underwriting functions

• Prioritize and validate AI use cases based on real-world underwriting decision logic

• Review and stress-test product features from an underwriter's perspective

• Support pre-sales conversations - helping us speak credibly to prospective clients

• Contribute to whitepapers, product narratives, and go-to-market positioning

• Act as an internal advisor during product development sprints and roadmap reviews

Qualifications

• 8-12 years of hands-on P&C underwriting experience

• Multi-line exposure across at least two of: Commercial Property, Personal Lines, Specialty (E&O, D&O, Cyber), or Auto

• Experience across at least two channels: Carriers (admitted/non-admitted), MGAs, or Wholesale/Retail Brokers

• Prior involvement in underwriting transformation, system implementation, or digitization initiatives

Mindset & Approach

• Entrepreneurial - excited to build, not just advise

• Comfortable operating without direct reports or a corporate structure

• Strong communicator who can translate underwriting nuance for product, tech, and executive audiences

• Able to think horizontally across lines of business, not just within a specialty

Strong Preferences

• Experience with vendor selection or RFP processes

• Exposure to insurtech platforms or AI-assisted underwriting tools

• Background in training or mentoring junior underwriters

What This Is Not

• A full-time or executive role

• A policy review or compliance function

• A role for someone who has been away from day-to-day underwriting for 5+ years

Engagement Schedule

• Phase 1 - Discovery (1-3 Months)

• Phase 2 – Ongoing Advisory (4-6 Months)

Why Join Us

• Shape, don't maintain — your expertise will directly influence product decisions

• True flexibility — remote, project-scoped, no corporate bureaucracy

• Real visibility — contributions credited in product development, publications, and client conversations

• Ecosystem access — connect with insurtech leaders, AI vendors, and innovative operators across the industry

Pay:

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions, including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Fractal, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is: Up to $225.00 Hour.

Benefits:

This role is not eligible for benefits with the Company.

Fractal provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!