Senior Product Manager - Underwriting & Pricing

Cover for Almost every Home

We founded Homeprotect on a simple principle - to provide protection to people underserved by the home insurance industry. Since 2002, we've been combining smart technology with real human expertise to protect hundreds of thousands of unique homes across the UK, and we're just getting started.

We founded Homeprotect on a simple principle - to provide protection to people underserved by the home insurance industry. Since 2002, we've been combining smart technology with real human expertise to protect hundreds of thousands of unique homes across the UK, and we're just getting started. If you're someone who loves solving interesting problems, taking ownership and working with a team that aims high, speaks up and lifts each other, Homeprotect is a place where you can do meaningful work, grow your career and make a real difference for our customers.

Our customers come from all walks of life and so do our people. We're a small but perfectly formed team of insurance specialists, technologists, data scientists and customer champions - all bringing individual expertise, an appetite for innovation and a shared ambition to protect the homes and things people love. We work at pace, but we trust our people to work in a way that brings out their best.

You'll collaborate closely across teams, have real ownership from day one and see the impact you have first-hand with flexible working to help you balance the needs of your role with the rhythm of your life. We've been recognised as a Great Place to Work UK for seven consecutive years - most recently ranked 29th nationally, jumping 71 places in a single year.

We're looking for a Senior Product Manager to own the outcome of this domain, not just the output of the team building it. You will set the strategic direction for the roadmap, weigh trade-offs across customer value, usability, technical feasibility and business viability (commercial, operational and regulatory), and make sound calls on ambiguous, high stakes decisions where the evidence is incomplete or stakeholders disagree.

You will lead this domain jointly with an Engineering Manager, as equal partners, and are expected to operate with a high degree of autonomy, needing little day-to-day oversight. Beyond the domain, you will act as a senior voice in decisions that reach across multiple domains or the wider product portfolio, mentor other Product Managers, and help define the standards and craft of the Product Manager discipline as it matures at Homeprotect.

• Own the problem definition for the Underwriting & Pricing domain: what problem is being solved, for whom, and why it matters now.
• Set the strategic direction for the roadmap and its prioritization, basing decisions on evidence such as data, customer insight, and business and regulatory context, rather than on stakeholder seniority or influence.
• Translate business strategy into a roadmap with measurable outcomes, and translate delivery constraints back into business decisions.
• Hold joint accountability with the Engineering Manager for what the team ships and its measurable impact.
• Assess every initiative against value, usability, feasibility and business viability, including commercial, operational and regulatory considerations.
• Represent the domain's priorities in trade-offs that span multiple domains or the wider product portfolio, operating with minimal oversight.
• Be accountable for domain-level metrics such as quote-to-bind conversion rate, gross written premium (GWP), loss ratio and time-to-market for pricing and underwriting rule changes, and for how those metrics trade off against priorities in other domains.

• Bring together the right people (Engineering, Actuarial, Commercial, Risk, Customer Experience) to work through options and trade-offs before a decision is made.
• Drive clear recommendations grounded in customer, operational, technical and commercial impact, so decisions can be made confidently at domain level rather than escalated by default.
• Use data and customer insight to validate assumptions and test whether a proposed change is likely to work before committing engineering investment.
• Own the outcome measures for the domain, so Homeprotect can demonstrably show it is monitoring and improving customer outcomes over time (in support of Consumer Duty and TCF expectations).
• Exercise sound judgement on ambiguous, high-stakes decisions where evidence is incomplete or stakeholders disagree, and be accountable for the recommendation reached.

• Partner with the Engineering Manager as a joint, equal lead of the domain team, sharing accountability for the roadmap and its delivery.
• Work closely with Actuarial teams to turn pricing models, underwriting rules and risk appetite into a roadmap engineering can build against.
• Collaborate with Commercial teams on pricing…