Senior Risk Manager | Remote from Pakistan | PKR Salary

About the company: The company we are looking for specializes in products for retail stores, wholesale, and distribution partners. Role Overview ~ Senior Risk Manager Position Summary  The Senior Risk Manager will lead the design, implementation, and administration of the Company's insurance and risk financing strategy for a growing multi-state commercial real estate portfolio. The role will oversee: traditional insurance programs, self-insurance initiatives, captive insurance formation activities, claims administration, lender insurance compliance, and reinsurance coordination. The position will serve as the internal coordinator among: insurance brokers, captive managers, actuaries, reinsurers, legal counsel, auditors, lenders, and company operations teams. The position is expected to evolve into a leadership role within the Company's future captive insurance operations. Core Responsibilities  Insurance Program Management Manage all commercial insurance programs. Coordinate annual renewals. Review policy terms and conditions. Monitor premium trends and market conditions. Evaluate coverage gaps and opportunities. Captive Formation Support Coordinate captive feasibility studies. Assist with data collection and underwriting submissions. Manage actuarial and reserve studies. Coordinate domicile applications. Support licensing and regulatory filings. Assist with capitalization planning. Claims Management Oversee all property and liability claims. Monitor claim development. Coordinate with TPAs and adjusters. Review reserve adequacy. Identify claim trends. Self-Insurance and Retention Analysis Analyze historical loss data. Evaluate deductible strategies. Recommend retention levels. Monitor self-insured reserves. Reinsurance Coordination Assist in designing reinsurance structures. Coordinate annual renewals. Monitor catastrophe exposures. Review reinsurance recoverables. Property Exposure Management  Maintain: Statement of Values (SOV) Total Insured Values (TIV) COPE data catastrophe modeling information Lender Compliance Monitor insurance requirements. Coordinate lender certificates. Manage mortgagee schedules. Ensure policy compliance. Reporting Responsibilities  Prepare quarterly reporting, including: Insurance Dashboard Total premiums Claims activity Loss ratios Reserve development Deductible utilization Captive Dashboard Captive surplus Combined ratio Retention levels Reinsurance utilization Return on capital Minimum Qualifications  Experience 7+ years in commercial insurance, risk management, or underwriting. 3+ years managing property and casualty insurance programs. Preferred Experience  Experience with: commercial real estate portfolios, retail centers, industrial assets, mixed-use projects, multi-state operations. Highly Preferred Experience Captive insurance programs. Self-insurance structures. Alternative risk financing. Reinsurance placements. Catastrophe modeling. Education  Required: Bachelor's degree in: Risk Management Finance Accounting Insurance Business Administration Preferred: MBA MS Risk Management Insurance specialization Professional Designations  Strongly Preferred : CPCU, ARM, CRM  Valuable : ARe, CIC, RIMS-CRMP, CPA Technical Skills  The ideal candidate should possess working knowledge of: Insurance Lines Commercial Property General Liability Umbrella Environmental Inland Marine Cyber Workers Compensation Analytical Skills Loss runs Claims triangles Deductible analysis Reserve analysis Premium allocation Catastrophe exposure modeling Software Skills Excel modeling Insurance management systems RMIS platforms Power BI or Tableau preferred Personal Characteristics  The ideal candidate should be: Highly analytical Detail oriented Comfortable with financial modeling Able to negotiate with brokers and carriers Strong project manager Comfortable interacting with lenders and regulators Other Details: Experience: 7+ years  Location: Remote from Pakistan  Timings: US Time Zone  About HR Ways HR Ways is an award-winning Technical Recruitment Firm helping software houses and IT Product companies internationally and locally to find IT Talent. HR Ways is engaged by 300+ Employers worldwide, ranging from the world's biggest SaaS Companies to the most competitive Startups. We have entities in Dubai, Canada, the US, UK, Pakistan, India, Saudi Arabia, Portugal, Brazil, and other parts of the world. Join our WhatsApp Channel https://whatsapp.com/channel/0029VamSiLr5fM5fMtAdCS2M  to stay updated, or visit www.hrways.co to know more.