State Product Manager

State Product Manager

Horace Mann is a purpose‑driven company that is passionate about educators. The State Product Manager is responsible for developing, executing, and monitoring personal lines product strategy which comprises industry best practices in terms of product design, competitiveness, and risk management. Works closely with State Management, Underwriting, Regulatory, Research, Claims, IT, Finance and others to drive profitable household growth. Leads the execution of key initiatives to improve the financial performance of the auto and property product lines in assigned states.

Performs regular analysis of statewide results vs objectives.

• Accountable for generating profitable growth in personal auto and residential property policies.
• Contribute to the development of the P&C rate plan and product enhancement schedule.
• Perform financial market, and industry analysis.
• Responsible for influencing IT, Research, Pricing, Claims and Regulatory to implement product and pricing enhancements.
• Partner with Marketing and Field Sales teams to develop strategies to drive profitable growth.
• Where necessary, develop marketing strategies and P & C strategies to respond to opportunities to drive growth or address profitability issues.
• Maintain relationships with state regulatory departments and negotiate approval for rate and product changes.
• Define underwriting appetite and work with P&C Underwriting to establish and enforce underwriting guidelines.
• Provide business leadership for addressing regulatory changes, business errors or other unforeseen problems.
• Communicate as needed with agents, field leaders, vendors, and other constituencies on state strategies, system initiatives, and P & C initiatives to achieve key strategic goals.
• Leverage AI and other tools to help build statewide strategies.

• CPCU or other insurance designation a plus.
• Minimum of 7 years in P&C product management, product development, underwriting, and/or risk management, preferably with a national or super‑regional carrier.
• Direct or indirect leadership experience. Experience operating in a matrix environment is also required given the multifunctional nature of execution of initiatives.

• Normal office environment / or remote access / may work irregular hours.
• Requires some travel (up to 25%).

$ - $

Salary is commensurate to experience, location, etc.

Horace Mann is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.