Pricing & Risk Manager

This is a fully remote position, open to applicants in Alabama, +37 more states.

📋 Description

• Manage the P&L performance for several states in the Southeast, focusing on homeowners, auto, and related insurance lines.

• Formulate and implement state and product strategies that encompass pricing, coverage, underwriting guidelines, retention, conversion, and customer experience.

• Evaluate performance data, competitive insights, and customer feedback to enhance coverage offerings and improve application and policyholder experiences.

• Collaborate with actuarial teams on rate-making, forecasting, segmentation, and risk selection strategies.

• Oversee regulatory filings and handle approval processes for rate and product modifications.

• Work alongside technology teams to enhance agent and customer experiences via system upgrades and process enhancements.

• Discover and apply automation and operational enhancements to boost efficiency and scalability.

• Act as a subject matter expert on assigned state markets, regulatory frameworks, competitive dynamics, and product performance.

• Define and validate product-market fit through quantitative analysis and customer insights.

• Lead cross-functional projects from the planning stage through to execution.

• Propel profitable growth while ensuring that state-specific homeowners products are competitively priced, operationally robust, and aligned with financial and risk objectives.

⛳️ Requirements

• Minimum of 3 years of experience in insurance product management and at least 4 years of relevant functional experience.

• Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative field.

• Direct experience in insurance product management.

• Strong comprehension of state-level P&Ls, insurance regulations, and product requirements.

• Proficient in rate-making, forecasting, modeling, competitive analysis, and risk portfolio management.

• Capability to function effectively in dynamic environments and swiftly assimilate new concepts and technologies.

• Excellent project management abilities.

• Strong, persuasive communication skills with the ability to influence cross-functional stakeholders.

• Experience in state management within hurricane-exposed states is a plus.

• Thorough understanding of reinsurance structures and core concepts is an advantage.

• Advanced statistical and analytical skills to optimize risk portfolios and enhance risk-adjusted returns are a bonus.

• Must be able to reside and work full-time in one of the listed eligible U.S. states.

• Must have authorization to work for any employer in the U.S.; sponsorship requirements are addressed in the application.

🏝️ Benefits

• Company equity through Restricted Stock Units (RSUs).

• 401(k) plan with company matching up to 4% of eligible earnings.

• Various medical plan options available.

• Coverage for dental and vision care.

• Company-funded contributions to Health Savings Accounts (HSAs).

• Life insurance and short-term disability paid by the company.

• Options for supplemental long-term disability, critical illness, accident, legal, and pet insurance.

• Mental health support and confidential counseling services.

• Flexible paid time off (PTO) for exempt employees, with most taking 15-20 days annually.

• Eight company-observed holidays.

• Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents.

• Opportunities for career mobility and internal growth.

• Professional development budgets for certifications, conferences, and learning, subject to management approval.

• Remote-first work environment.

• Offices located in Chicago, IL, and St. Petersburg, FL, for collaborative efforts.