Senior Product Manager, Portfolio & Pricing Strategy

• Own the financial and strategic performance of assigned pet insurance portfolios
• Identify opportunities to improve growth, profitability, retention, customer lifetime value, and portfolio economics
• Evaluate portfolio trends, customer behavior, emerging risks, and market conditions to inform pricing, underwriting, segmentation, product configuration, and distribution strategies
• Establish objectives, performance targets, and strategic initiatives with senior leaders
• Lead portfolio reviews communicating performance drivers, risks, and recommendations
• Use GLM outputs, actuarial analyses, predictive models, and customer analytics to drive portfolio strategy
• Evaluate pricing performance and business impacts of pricing, underwriting, product, and distribution changes
• Develop business cases, financial models, scenario analyses, and KPIs
• Translate complex analytical findings into actionable recommendations for senior leadership
• Analyze competitor products, pricing, underwriting practices, and market positioning
• Partner across Actuarial, Underwriting, Data Science, Finance, Product Operations, Compliance, and MGA teams
• Align stakeholders on priorities, implementation plans, forecasting, and strategic planning
• Support product enhancements, coverage changes, innovation opportunities, and new product launches
• Define requirements and provide profitability expertise throughout the development lifecycle
• Evaluate post-implementation results for ongoing optimization
• Support regulatory filings, product implementations, and compliance activities
• Deliver measurable improvements in portfolio performance through data-driven recommendations and strategic action plans

• Bachelor's degree in Business, Economics, Finance, Mathematics, Insurance, Analytics, or a related field
• 5-8+ years of experience in insurance portfolio management, product management, pricing, actuarial, underwriting, or business analytics
• Strong understanding of insurance profitability drivers, pricing methodologies, underwriting principles, and portfolio management concepts
• Experience analyzing product performance and developing strategies that improve financial outcomes
• Ability to interpret and apply data science, actuarial, and predictive modeling outputs to business decisions
• Strong financial, analytical, and problem-solving capabilities
• Advanced proficiency in Excel and performance analytics tools
• Excellent communication, presentation, and stakeholder management skills
• Experience in pet insurance, personal lines, or specialty insurance products preferred
• Experience working with MGA and carrier business models preferred
• Familiarity with GLM modeling and pricing methodologies preferred
• CPCU, ACAS/FCAS, ARM, MBA, or similar professional designation preferred
• Experience supporting rate filings, pricing initiatives, or regulatory implementations preferred

Demonstrates expertise in insurance portfolio management, financial modeling, and data-driven decision-making to enhance profitability and strategic performance. Proficient in translating complex analytical insights into actionable strategies while effectively collaborating with cross-functional teams.

• Insurance Portfolio Management
• Financial Modeling
• Data Analysis
• Pricing Methodologies
• Stakeholder Management

• Actuarial Analysis
• Predictive Modeling
• GLM Modeling
• Performance Analytics
• Portfolio Economics
• Customer Analytics
• KPI Development
• Scenario Analysis
• Product Management
• Underwriting Principles

• Communication Skills
• Presentation Skills
• Problem-Solving Skills
• Analytical Skills
• Collaboration Skills

• CPCU
• ACAS/FCAS
• ARM
• MBA

• Pet Insurance
• Personal Lines
• Specialty Insurance
• MGA
• Regulatory Compliance

• Excel
• Performance Analytics Tools