VP P&C State Product Management

Job Title: Vice President, P&C State Product Management

Location: Remote

Position Summary

The Vice President, P&C State Product Management leads the state-level strategy, performance, and execution for the company’s Personal Lines Auto and Home portfolio across 44 states. This role holds direct accountability for state-level P&L outcomes and drives profitable growth through coordinated actions across pricing, underwriting, rules, forms, segmentation, and portfolio management.

Partnering closely with Pricing/Actuarial, Underwriting, Claims, Distribution, Regulatory, Finance, and Technology, this leader translates performance insights into executable state strategies that improve loss ratios, drive growth, and enhance market competitiveness while ensuring regulatory alignment and operational readiness.

• Own profit and growth performance for Personal Lines Auto and Home across 44 states.
• Develop and execute state-specific strategies to achieve target loss ratios, retention, growth, and expense objectives.
• Diagnose performance drivers using internal data and external market intelligence, translating insights into actionable strategies.
• Establish portfolio guardrails and ensure disciplined underwriting and segmentation strategies.

• Partner with Pricing and Actuarial teams to shape rate indications and state-level pricing strategies.
• Lead the end-to-end rate, rule, and form filing agenda, including proposal development, cross-functional alignment, regulatory submission coordination, and objection management.
• Ensure alignment among pricing strategy, underwriting appetite, claims insights, and operational capabilities.
• Build and maintain strong relationships with state Departments of Insurance.
• Monitor and manage portfolio mix, catastrophe exposure, geographic concentration, and emerging risk trends.
• Identify and implement corrective actions when performance deviates from plan.
• Drive disciplined new business growth aligned with profitability targets.

• Lead the implementation of product changes across Technology, Operations, Distribution, Marketing, and Customer Experience teams.
• Ensure system readiness, field communication, training, and performance monitoring plans are in place.
• Establish a rigorous operating cadence including state performance reviews, action tracking, filing calendars, and post-implementation measurement.

• Maintain a strong understanding of competitor pricing, underwriting posture, coverage positioning, and distribution dynamics.
• Recommend strategic actions to strengthen competitiveness while protecting margins.
• Partner with Distribution leadership to align product strategy with field execution.

• Lead and develop a high-performing team of state product leaders and managers.
• Establish consistent governance, best practices, and performance management across the state portfolio.
• Build organizational capability, leadership bench strength, and succession pipelines.

• Improvement in state-level loss ratio and combined ratio.
• Achievement of rate earned and profitability targets.
• Retention, new business growth, and portfolio mix management outcomes.
• Filing approval cycle times and regulatory effectiveness.
• Execution quality and operational readiness.
• Team engagement and talent development.

• 10+ years of progressive leadership experience in Personal Lines insurance.
• Demonstrated success managing multi-state product portfolios with direct P&L accountability.
• Deep understanding of rate, rule, and form filings and state regulatory environments.
• Proven ability to translate analytics into actionable strategy in partnership with Pricing/Actuarial teams.
• Strong cross-functional leadership experience across Underwriting, Claims, Distribution, and Technology.
• Bachelor’s degree or equivalent experience.

• Proven success in both profitability remediation and growth acceleration strategies.
• CPCU designation or advanced degree (MBA or similar).
• Experience working within both captive agent…