Senior P&C Insurance Product Management Specialist

• AI-driven claims processing (e.g., CCC Intelligent Solutions, Snapsheet)
• Customer experience & digital distribution (e.g., Cover Genius, Trov)

Capgemini is a leading technology consulting company specializing in insurance product innovation, technology modernization and operational transformation. We partner with top-tier U.S. insurers to enhance personal lines product portfolios, drive growth, and modernize operations.

We are seeking a Senior Property & Casualty Insurance Product Manager - Personal Lines with expertise in product rationalization, new product development, product run-offs, regulatory strategy, Insur Tech enablement, and claims transformation. This role requires deep industry knowledge and strategic consulting skills to advise insurers on optimizing personal lines products, navigating compliance requirements, and implementing emerging technologies.

Key responsibilities include leading product portfolio optimization, rate filings, and competitive market assessments. The candidate will also drive digital transformation initiatives, evaluating Insur Tech solutions such as telematics-based pricing, AI-driven claims automation, and predictive analytics for risk segmentation. Additionally, they will support regulatory advisory projects, ensuring compliance with state DOI regulations, NAIC model laws, and evolving legislative changes.

• Act as a trusted advisor to top-tier insurers on personal lines insurance products, including homeowners, auto, renters, and umbrella
• Lead product rationalization efforts, optimizing insurers' portfolios to reduce complexity, enhance profitability, and improve customer experience
• Drive new product development, leveraging telematics, usage-based insurance (UBI), embedded insurance, and AI-driven pricing models
• Develop and implement product run-off strategies, ensuring compliance, financial stability, and seamless transition for policyholders
• Guide insurers through regulatory advisory initiatives, ensuring product strategies align with state DOI regulations, NAIC model laws, and evolving consumer protection standards

• Advise on state and federal regulations, helping clients navigate rate filings, compliance risks, and policyholder protections
• Manage engagements related to state DOI rate filings, competitive benchmarking, and regulatory impact assessments
• Provide insights on emerging legislative changes (e.g., climate risk mandates, AI-driven underwriting guidelines, and telematics regulations)

• Partner with technology teams to implement digital underwriting, AI-based risk models, and automation tools
• Evaluate and recommend Insur Tech solutions such as:
  • Telematics-based pricing (e.g., Cambridge Mobile Telematics, Arity)
  • AI-driven claims processing (e.g., CCC Intelligent Solutions, Snapsheet)
  • Fraud detection & predictive analytics (e.g., Shift Technology, FRISS)
  • Customer experience & digital distribution (e.g., Cover Genius, Trov)
• Support insurers in modernizing core platforms, working with vendors like Guidewire, Duck Creek, and Majesco

• Assist clients in claims process optimization, leveraging automation, AI, and predictive analytics for faster claims adjudication
• Develop strategies for fraud detection, litigation management, and claims efficiency improvements
• Work with claims and risk teams to align product design with evolving risk trends (e.g., climate change impact, cyber risks in personal lines, and increased litigation costs)

• Lead cross-functional consulting engagements involving actuarial, underwriting, IT, claims, and distribution teams
• Develop and present strategic recommendations to C-suite executives, supporting data-driven decision-making
• Manage multiple client engagements, ensuring timely delivery, regulatory alignment, and measurable business impact

• Education:
  
  Bachelor's degree in Business, Finance, Insurance, or a related field (MBA, CPCU, or AINS preferred)
• Experience:
  
  5+ years in P&C insurance product management, consulting, or strategy roles, with a strong focus on personal lines
• Industry Certifications (Preferred):
• CPCU (Chartered Property Casualty Underwriter) - Deep expertise in P&C insurance
• AINS (Associate in General Insurance) - Strong foundational knowledge of insurance operations
• ARM (Associate in Risk Management) - Specialization in risk assessment and mitigation
• Lean Six Sigma or PMP - For project management and operational efficiency
• Technical Expertise:
• Deep knowledge of personal lines product development, pricing, underwriting, and risk management
• Experience with product rationalization, run-off strategies, and market repositioning
• Strong understanding of state insurance regulations, rate filings, and DOI compliance
• Familiarity with Insur Tech solutions, AI-driven pricing models, and claims automation technologies
• Proficiency in data analytics…