Risk Reporting Specialist - VSC Programs

The work we do has an impact on millions of lives, and you can be a part of it.

We help protect our customers against life's uncertainties. Regardless of where you work within the company, you'll be helping provide protection and peace of mind when our customers need it most.

The Risk Reporting Specialist (Risk Analyst) supports the Risk Management team by maintaining Vehicle Service Contract (VSC) rate cards and producing recurring risk and exposure reporting. This role focuses on hands-on reporting, data analysis, and insight generation rather than strategic ownership or people leadership.

You will build and maintain Power BI dashboards, run scheduled reports, and summarize trends across products, dealerships, and affiliated reinsurance entities. The position works closely with Risk team members to support rate change requests and validate the impact of approved revisions.

This is an early-career role well-suited for upcoming or recent graduates with strong analytical skills and an interest in risk, pricing, or business intelligence. Success in this role requires attention to detail, comfort working with structured datasets, and the ability to clearly communicate findings.

This is a hybrid position which is required to report to our office in St.Louis, MO 2-3 days a week.

Key Responsibilities:

• Support the ongoing management and maintenance of Vehicle Service Contract (VSC) rate cards, including revisions and adjustments based on risk assessments.
• Partner with the Risk Management team to evaluate risk factors and incorporate them into rate card algorithms.
• Monitor and confirm that approved rate card changes are released according to agreed-upon effective dates.
• Respond to rate change requests by reviewing recommendations, assessing impact, and communicating approved revisions.
• Compile and analyze data to support recurring risk reviews, summarizing risk exposure by product, Affiliated Reinsurance Company (ARC), dealership, and other relevant segments.
• Prepare reserve and coverage comparisons between internal programs and competitor offerings, including independent research and analysis as needed.
• Produce clear, well-organized reports that communicate findings and insights to stakeholders.
• Perform additional duties and analytical support as assigned.

Skills, Knowledge, and Abilities:

• Strong analytical and problem-solving skills with the ability to interpret data and identify trends, risks, and impacts.
• Working knowledge of risk management concepts, pricing, and data analysis within financial or service contract environments.
• Experience using self-service reporting and data visualization tools, preferably Microsoft Power BI.
• Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint.
• Ability to communicate complex information clearly and professionally in both written and verbal formats.
• High level of organization and attention to detail, with the ability to manage multiple priorities and interruptions effectively.
• Ability to collaborate across teams and respond constructively to feedback and evolving business needs.

Qualifications:

• Bachelor's degree in a related field (MIS, Data Analytics, Mathematics, Data Science) or a minimum of 4 years of experience in a data, analytics, or risk management role.

• Proficiency in Microsoft Office tools, including Excel.

• 1-3 years of experience working with self-service reporting or business intelligence tools preferred.

• Power BI experience strongly preferred.

• Experience with programming languages such as Python or SQL preferred.

$66,000 - $80,000 a year

Protective's targeted salary range for this position is $66,000 to $80,000. Actual salaries may vary depending on factors, including but not limited to, job location, skills, and experience. The range listed is just one component of Protective's total compensation package for employees.

The internal title for this role is Risk Analyst I. #LI-AP1

Employee Benefits:

We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective's platform to improve wellbeing while earning cash rewards.

Eligibility for certain benefits may vary by position in accordance with the terms of the Company's benefit plans.

Accommodations for Applicants with a Disability:

If you require an accommodation to complete the application and recruitment process due to a disability, please email [email protected]. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process.

Please note that the above email is solely for individuals with disabilities requesting an accommodation. General employment questions should not be sent through this process.

We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.