Product Manager, Personal Lines – Homeowners

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee P&L outcomes for designated states and product lines; evaluate rate sufficiency, loss patterns, and CAT exposure, while suggesting corrective measures.

• Manage the complete process of rate, rule, and form revisions for assigned states.

• Prepare regulatory submissions, liaise with vendors, address regulator inquiries, and execute sanctioned modifications.

• Assist in the development and launch of new products, coverages, endorsements, and geographical expansions.

• Collaborate with state Departments of Insurance to obtain product approvals.

• Work in conjunction with Actuarial and Analytics teams to evaluate state-level profitability and formulate data-driven suggestions.

• Analyze competitor filings, rate models, underwriting protocols, and industry as well as regulatory changes.

• Apply underwriting rules and guideline modifications to meet business objectives.

• Prepare and deliver state and product performance assessments to Segment Leadership and senior product executives.

• Prioritize and organize competing product initiatives based on their business impact.

• Coordinate with Segment Leadership, Product Strategy, Actuarial, Legal/Compliance, Underwriting, and Advanced Analytics teams.

⛳️ Requirements

• A minimum of 3 years of experience in P&C insurance, specifically in product management, underwriting, pricing, or a related field, with exposure to personal lines homeowners.

• Proven experience in managing or supporting P&L outcomes, rate adjustments, or regulatory submissions for one or more states.

• Solid understanding of homeowners ratemaking, underwriting practices, product design, and the state filing process.

• Intermediate to advanced skills in Microsoft Excel; capable of conducting hands-on quantitative analysis.

• Bachelor's degree in business, finance, mathematics, economics, risk management/insurance, or a related field, or equivalent experience.

• Preferably direct experience in managing P&L results and leading filings across multiple states.

• Experience in launching new products, coverages, endorsements, or expansion into new territories is preferred.

• Knowledge of E&S property products alongside admitted homeowners is advantageous.

• Familiarity with SQL, SAS, R, Python, Tableau, or other data querying and programming tools is preferred.

• Progress towards a professional designation (CPCU, AINS, API, or similar) is preferred.

• Willingness to travel up to 10% as required.

🏝️ Benefits

• 10% travel as needed.

• Remote-first culture.

• Support and mentorship from senior product leaders.

• Opportunity to expand scope and expertise.