Senior Product Analyst – Personal Auto Insurance

American Freedom Insurance Company (AFIC) is a leader in the nonstandard automobile insurance industry. We are a consistently expanding, midsized, highly profitable company doing business in Illinois, Indiana, Pennsylvania, Tennessee, Texas, and licensed in Ohio. We are looking for a motivated and analytical professional to contribute their skills in a fast-paced and growing organization.

• Analyze Personal Auto insurance performance across multiple states, including loss ratios, premium growth, retention, policy counts, producer performance, and overall profitability.
• Evaluate pricing strategies, rate changes, underwriting results, and product performance to identify trends, risks, and opportunities for improvement.
• Develop and maintain reports, dashboards, and analytical models. Identify key trends and provide actionable recommendations to Product Management and senior leadership.
• Conduct competitive analysis and market research to evaluate pricing, coverage offerings, underwriting practices, and industry trends.
• Support the development and evaluation of rate, rule, and form changes in collaboration with Product Management, Underwriting, Actuarial, Claims and other internal teams.
• Assist with the preparation, coordination, and implementation of state insurance rate and rule filings through SERFF.
• Research state insurance regulations and assist with regulatory inquiries, compliance reviews, and market conduct examination requests.
• Partner with Marketing, Claims, Underwriting, IT, Finance, and other departments to evaluate product performance and implement improvements.
• Identify opportunities to improve profitability, operational efficiency, and the customer and agent experience through data-driven recommendations.
• Utilize analytical tools, automation, and AI-powered technologies to streamline reporting and improve business insights.
• Prepare presentations and communicate findings and recommendations to Product Management and senior leadership.
• Assist with evaluating new market opportunities, product enhancements, and potential state expansion initiatives.

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Statistics, or a related field preferred. Advanced degree is a plus.
• Minimum 3–5 years of experience in the property and casualty insurance industry required.
• Experience in personal auto insurance, product analysis, pricing, underwriting analytics, actuarial support, or insurance reporting is strongly preferred.
• Strong analytical, quantitative, and problem-solving skills with exceptional attention to detail.
• Experience working with insurance performance data, including loss ratios, premium, retention, rate changes, and profitability metrics.
• Proficiency in Microsoft Excel and the ability to analyze large datasets and develop meaningful reports.
• Experience with SQL, Power BI, Tableau, or other data analysis and visualization tools is a plus.
• Interest in leveraging emerging technologies and AI tools to improve analytical efficiency and business performance.
• Familiarity with insurance rate filings, state regulations, SERFF, or product development processes is a plus.
• Strong written and verbal communication skills, including the ability to explain analytical findings to non technical audiences.
• Ability to manage multiple priorities, meet deadlines, and collaborate effectively across departments.

AFIC offers a competitive salary and a comprehensive benefits package to support you

• Competitive Salary: Rewarding your expertise and experience
• Bonus Potential: Based on experience
• Financial Security: 401K with up to a 6% company match
• Health & Wellness: Choice of Blue Cross Blue Shield PPO, HMO, or HSA plans, Dental and vision coverage, Access to telemedicine services
• Growth/Stability: Over 12 consecutive years of profitable growth, financial strength confirmed by A+ Superior rating by A.M. Best
• Work-Life Balance: Monday-Friday, 8 am-5 pm CST (Hybrid Schedule)
• Holidays: At Least 6 Paid Holidays
• Paid Time Off (PTO): PTO that can be used for vacation, personal, or sick time
• Personal Days: Separate personal days for sickness, family needs, appointments or personal matters
• Employee Recognition: We celebrate work milestones to show appreciation for your contributions
• Professional Growth: Work with industry experts, paid training, state licensing reimbursement, and opportunities for advancement
• Positive Culture: Enjoy our inclusive holiday events, employee referral bonuses, virtual team meetings, and more