In commercial lines, analytics are only powerful when they shape strategy. This session explores how carriers are using portfolio management and capital insights, grounded in transparent analytics, to drive better decisions at both the individual risk and portfolio level. How do risk-level signals roll up into portfolio steering and capital allocation? What makes analytics trusted and adopted by underwriters and leaders? And how does transparency turn models into strategic tools rather than black boxes? This discussion examines how data-driven strategy is redefining underwriting discipline, portfolio performance, and capital efficiency across the cycle.