To your point -
@Outlier - maybe I should demur, but if I can offer this...
It's somewhat a contentious topic, but from an evolutionary perspective, babies are exclusively gestated in women, that seems to me to be a good line to draw.
Therefore, space is somewhat reserved for the purpose, where men do not have that use for their belly.
As a species, we are designed to be able to survive long periods of time without food, so we all have available storage, it's just distributed differently between men and women (on average; this is in no way about any specific man or woman, as individuals we are all unique, but in large numbers we are statistics)
Metabolically speaking, this is better for women, the fat cells are more able to reproduce - lots of small fat cells are much better than a smaller number of inflated fat cells.
In fact, it's one of the key reasons that women statistically live longer than men; so there's that. (to clarify, men have more storage around their belly, which is all of a type that can only expand - this is bad - that's why visceral fat is such a thing)
But to simply answer your question, it kind of has to be related to insulin. Your reproductive system is only allowed to proceed if there is sufficient energy in the form of fat, and then pregnancy requires insulin resistance to allow the growth required ... literally to allow a baby to grow.
What happens after birth has also to be regulated by insulin. If it's high, you (anyone, not just someone who has just given birth) are locked in energy-storage, so your adipose tissue (wherever it's located and whatever state the cells are in) - will not release fat. If insulin is low, you will be able to mobilise the stored energy, and burn it as fuel.
Clearly, there are other hormonal changes going on during and after birth that as a man, I can have no concept of, and have no business commenting on, but that's the way I see it. Animals; post-birth will have low insulin. Ketosis is the natural state for most animals most of the time, so all of the energy no longer required to build a baby is regulated down. With humans, we can disrupt this and keep that energy locked in.