Product Manager, Personal Lines Homeowners

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

📋 Description

• Oversee the P&L performance within designated states and product lines; track rate sufficiency, loss patterns, and catastrophe exposure, and suggest remedial measures.

• Handle the entire rate, rule, and form modification process for assigned states, which includes managing regulatory submissions, coordinating with vendors, addressing regulator inquiries, and executing approved changes.

• Assist in the development and launch of new products, coverage options, endorsements, and geographical expansions, ensuring approval from state Departments of Insurance.

• Collaborate with Actuarial and Analytics teams to evaluate profitability at the state level, discover opportunities, and create recommendations based on data analysis.

• Analyze competitor submissions, rate models, underwriting standards, and relevant industry and regulatory updates to guide product improvements.

• Enforce underwriting rule and guideline modifications to meet business objectives.

• Compile and present reviews of state and product performance to Segment Leadership and senior product executives.

• Organize and prioritize competing product initiatives for assigned states based on their business impact.

⛳️ Requirements

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

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

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

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

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

• Direct experience in managing P&L results and overseeing filings across various states.

• Experience in launching new products, coverage options, endorsements, or expanding into new regions.

• Knowledge of E&S property products in addition to admitted homeowners.

• Proficiency with SQL, SAS, R, Python, Tableau, or other data analysis and programming tools.

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

• Willingness to travel up to 10% as necessary.

🏝️ Benefits

• A remote-first culture.

• Opportunity for growth in responsibilities with support from senior product leaders.

• Travel up to 10% as necessary.