Director, Risk Strategy

Position Summary:

ParetoHealth is seeking a Director of Risk Strategy to lead the evolution of our captive-based stop-loss solutions and drive innovation across our risk-sharing model. This role is responsible for defining product vision, advancing innovation, and aligning cross-functional teams to deliver competitive, data-driven solutions for self-funded employers.

As a strategic leader, you will shape and execute initiatives that strengthen Pareto’s differentiated approach.  This will include assessing alternative risk structures, managing and evolving our overall suite of protections, identifying market pain points, and developing solutions to address those needs. 

The ideal candidate brings strategic thinking, creativity, strong analytical acumen, and a demonstrated ability to translate market and customer insights into impactful product strategies.  Additionally, strong communication and collaboration capabilities are required to drive alignment across the organization. 

Key Responsibilities:

• Define and own the risk product strategy for Pareto’s captive and stop-loss portfolio
• Assess alternative risk structures and determine whether/how Pareto should evolve captive structures, contribution models, and risk corridors to optimize performance and member experience
• Identify market pain points and associated opportunities through broker feedback, claims analysis, regulatory insights, and assessment of the competitive landscape
• Develop and prioritize a roadmap to expand/manage a suite of protections for captive Members aligned with company growth objectives and risk appetite

• Understand industry trends, including cost drivers, network strategies, and alternative funding models
• Evaluate alternative product designs, pricing approaches, and underwriting methodologies
• Partner with sales and marketing to capture voice-of-customer insights from brokers, consultants, and employer groups
• Understand risk/ product management capabilities at carriers and TPAs in detail to identify gaps and opportunities

• Drive alignment on product priorities and ensure effective execution of key initiatives across underwriting, product, and technology
• Support go-to-market efforts in partnership with Product, Sales, and Marketing, including messaging and sales enablement

Required Skills & Qualifications:

• 3-5 years of top-tier consulting experience
• 3-5 years in Product Management or Strategy in insurance (e.g., carrier, broker, MGU)
• Strong nose for value with ability to translate market pain points into solutions; creative, innovative mindset
• Data-driven with strong analytical and financial acumen
• Demonstrated ability to lead cross-functional initiatives in a complex, matrixed environment; superior communication skills

• Continued evolution of Pareto’s captive model as a market-leading solution
• Strong adoption and advocacy from brokers, consultants, and employer groups
• Tight alignment between product strategy, underwriting, and commercial execution

Perks & Benefits:

• Fully paid medical, dental, and vision benefits.
• Flexible PTO
• 401k company contribution
• Tuition reimbursement
• Professional development allowance
• Transportation allowance and daily parking reimbursement 
• Engaging hybrid work environment

The drive to learn, to improve, and to deliver outstanding value every day.

The ability to see the big picture and prepare to meet tomorrow’s needs.

The passion to produce at higher rates and to the highest standards.

A united community creating better health benefit solutions for all.

_Disclosures:

_{ParetoHealth is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion (creed), gender, gender expression, age, national origin (ancestry), disability, marital status, sexual orientation, or military status, in any of its activities or operations. These activities include, but are not limited to, hiring and firing of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all members of our staff, clients, volunteers, subcontractors, vendors, and clients.}

_{California Applicants:  See Pareto’s CCPA Notice of Collection for California Employees and Applicants for information about how Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, “Pareto”) collects and uses personal information submitted by employment applicants.}