Product Manager – Personal Auto Insurance, Pricing

Own the profitability and performance of assigned personal auto states through pricing, product, and regulatory strategies
Identify opportunities to improve loss ratio, retention, and growth through rate and product adjustments
Lead the development and implementation of rate and rule filings via SERFF
Align product goals with company objectives and strengths, regulatory requirements, and profitability targets
Collaborate with Marketing, Underwriting, Claims, IT, Legal, vendors, etc. to design, price, and implement product features and to support day-to-day operations
Maintain effective relationships with state insurance departments and manage regulatory communications and inquiries
Monitor and evaluate product performance metrics (loss ratios, retention, premium growth, etc.) and recommend and implement approved adjustments to improve results
Conduct competitor, market, and industry analysis, including agent feedback, to identify pricing opportunities, product enhancements, new coverage and features opportunities
Develop strong knowledge of and ensure compliance with state requirements and effectively respond to regulatory inquiries
Contribute and reply to audits, reviews, and regulatory examinations as a subject-matter expert
Review Market Conduct Examination findings from other carriers to proactively identify and address potential compliance exposures
Initiate, lead and/or support projects and initiatives that enhance product development, operations, and/or performance
Explore and assess new opportunities to potentially include small commercial automobile coverage, telematics, a new jurisdiction, rideshare, and/or other emerging trends
Support strategic initiatives and cross-department projects that advance company objectives

• Bachelor’s degree in business, Finance, Insurance, Economics or related field required, MBA preferred
• Minimum 3–5 years of Product Management, pricing, actuarial analysis or related experience, preferably with a focus on automobile insurance
• Strong analytical, quantitative, and problem-solving skills with attention to detail
• Strong knowledge of data analysis and visualization tools such as Power BI, Tableau, SQL or other analytical tools
• Working knowledge of insurance rate filings and rules
• Effective communication and collaboration skills across technical and non-technical teams
• Proficiency with Microsoft Office Suite; experience with product management tools or regulatory filing systems (e.g., SERFF) is a plus

Demonstrates expertise in product management and pricing strategies within the automobile insurance sector, with a strong focus on regulatory compliance and performance metrics analysis. Proficient in leveraging data analysis tools to drive product enhancements and profitability.

• Product Management
• Pricing Strategy
• Regulatory Compliance
• Data Analysis
• Analytical Tools

• Product Management
• Pricing
• Actuarial Analysis
• Data Analysis
• Quantitative Skills
• Problem-Solving
• Insurance Rate Filings
• Market Analysis
• Performance Metrics
• Compliance

• Effective Communication
• Collaboration
• Attention to Detail

• Automobile Insurance
• Regulatory Strategies
• Loss Ratio
• Retention
• Premium Growth
• Market Conduct Examination
• Telematics
• Rideshare
• Small Commercial Automobile Coverage
• Product Features

• Power BI
• Tableau
• SQL
• Microsoft Office Suite
• SERFF