Carrie Lowe, Mba Email & Phone Number

Cleveland, Oh, Us

Columbus, Ohio, United States

Led competitive business strategy development, business architecture, process optimization, employee training, premium audit, product ownership and management for enabling capabilities as well as special projects as needed. Directed team of 6 managers with span of ~40 with full budget ownership and shared P&L responsibility. Reported to President of Standard Lines.• Managed and supported capabilities and projects spanning multiple commercial lines segments and functions• Led cross-functional team of leaders to develop and execute a workforce plan that reduced employee turnover through role definition, capacity planning, employee recruiting, employee selection, new hire onboarding and leadership development in small business sales and underwriting • Leveraged relationships and broad experience to work across teams and geography to drive effective collaboration and strong business results across Standard Lines leadership team

Drove underwriting governance, consulting underwriting, product management, product development and regulatory compliance for middle market and agribusiness segments. Span of control included 5 managers and 40+ individual contributors. Full budget ownership and shared P&L responsibility. Reported to Chief Operating Officer. • Led cross-functional team of executives to develop and execute the plan for transformation of middle market underwriting processes and results with significant sustained underwriting income improvement including authority administration, training, and quality control practices• Stood up a product management practice to improve line of business performance and execution of product strategies in middle market and agribusiness segments• Oversaw the transformation of product demand management process to drive improved alignment and return on capability investments• Led product and underwriting governance functions through the global pandemic including forecasted coverage assessment, underwriting appetite evolution and monitoring and responding to state regulatory and legislative actions• Developed and maintained critical partnerships with executive leadership team, actuarial, underwriting, legal and claims functions• Member of M&A committee, which sought and evaluated potential targets

Westfield Center, Oh

Led the profitable growth of the small business segment including underwriting, sales and operations teams. Span of control included two production underwriting divisions comprised of 2 executives, 6 managers and 80+ underwriters as well as 6 operations managers and 110+ processors. Overall budget and shared P&L responsibility. Reported to Chief Operating Officer.• Leveraged analytics to identify and address impending profit challenges in existing book of business• Restructured performance and compensation management metrics improving business results• Reduced turnaround time on service from 2 weeks to 2 days• Served as an early adopter and change agent for a corporate culture transformation focused on leadership collaboration, which cascaded throughout the organization • Member of M&A committee, which sought and evaluated potential targets

Leadership responsibility for the profitable growth of agribusiness segment including farm owners and commercial agriculture customers including production underwriting team; profile of risk in this customer segment spans from small family farms to large, complex manufacturing or processing operations• Integrated an acquisition through collaboration across multiple locations and backgrounds to develop a shared culture by aligning around a common vision and objectives• Led the underwriting team through profit improvement initiative inclusive of appetite refinement, underwriting practices improvement, rate management and negotiation practices• Refined customer centric competitive business strategy and resulting marketing plan for the niche• Participated in or led components of various corporate initiatives including agency compensation management and DE&I • Led middle market competitive business strategy initiatives in partnership with enterprise leadership and an external consultant as a special project• Member of M&A committee, which sought and evaluated potential targets

Grew small business region profitably through leadership of ~10 production underwriters and operations staff• Established first small business region in support of the launch of commercial lines segmentation strategy including talent selection and establishing operational standards and processes• Modernized Businessowners product and technology offering

Responsible for the profitability and retention of a book of commercial lines accounts in Ohio.

Emba

Bs, Marketing Management