Associate Product Manager

The Associate Product Manager supports the management, development, and expansion of the Insurance Division’s product portfolio. This role combines strong business, analytical, and project management skills to evaluate product performance, develop actionable recommendations, and drive assigned product initiatives from planning through implementation.

Working closely with Underwriting, Actuarial, Claims, Sales, Operations, IT, Compliance, and external partners, this individual contributes to profitable growth, product enhancements, and expansion into additional states. The position provides ownership of assigned product, territory, or partner portfolio results, with opportunities to deepen insurance product expertise and grow into broader product management responsibilities.

This position has no supervisory responsibilities. It leads through influence by coordinating workstreams, securing commitments, negotiating priorities, and following through on deliverables with functional leaders and partners.

Product performance and business decisions

• · Own performance of the assigned product, territory, or partner portfolio, with accountability for driving profitable premium growth, achieving performance targets, and identifying and executing corrective actions when results fall short.
• · Develop and maintain product dashboards; analyze premium, loss ratios, policy growth, retention, new business, and relevant operating results by state and segment.
• · Investigate performance drivers, evaluate alternatives and business tradeoffs, and present actionable recommendations to leadership.
• · Monitor market developments, competitor offerings, and partner feedback to identify opportunities for profitable growth and product improvement.

Product development and market expansion

• · Own assigned product workstreams from opportunity assessment and business requirements through approved implementation and results tracking.
• · Participate in new product development and enhancements involving coverage, forms, endorsements, rates, and underwriting rules; build practical knowledge of the company’s product architecture.
• · Support expansion into additional states by coordinating product requirements, regulatory filings, and implementation activities across internal teams and external partners.
• · Partner with IT and Operations on requirements, testing, documentation, and rollout; track issues through resolution and communicate status and risks.

Partner relationships and regulatory coordination

• · Serve as a product contact for assigned business partners; understand needs, resolve issues with internal teams, and identify opportunities to strengthen and grow the relationship.
• · Coordinate product filings and state insurance department follow-up with Actuarial, Compliance, and Underwriting; maintain submission records, deadlines, and required documentation.
• · Track regulatory changes affecting assigned products and coordinate approved responses and implementation with the appropriate specialists.

Execution and accountability

• · Facilitate discussions across Claims, Sales, IT, Operations, Underwriting, and other stakeholders; align priorities, establish workstream ownership, and negotiate realistic commitments.
• · Manage assigned deliverables, communicate clear recommendations and responses, escalate barriers promptly, and measure the impact of implemented changes.
• · Operate within delegated decision and approval authority; obtain required technical, regulatory, and leadership approvals before committing to material changes.
• · Perform other duties as assigned.
• · Strong analytical reasoning and business acumen, with the ability to translate insurance performance data into practical decisions and recommendations.
• · Working knowledge of P&C insurance products and underwriting concepts, including risk selection, coverage, pricing drivers, and profitability; ability to collaborate effectively with technical specialists.
• · Ability to own assignments, prioritize independently, solve problems, and follow through on measurable outcomes.
• · Clear written and verbal communication; relationship management, negotiation, and influence across teams without direct reporting authority.
• · Strong Excel skills and experience using data analysis or reporting tools; attention to detail, sound judgment, confidentiality, and effective deadline management.
• · Curiosity, learning agility, receptiveness to feedback, and ability to take on broader responsibilities over time.
• · Bachelor’s degree in business, Finance, Economics, Insurance, Risk Management, Mathematics, Statistics, or a related field, or an equivalent combination of relevant education and experience.
• · Relevant experience typically gained through 3–5 years in P&C product analysis, product development, product management, pricing, underwriting analytics, or a related insurance role, including exposure to insurance product initiatives.
• · Preferred: personal lines, property, homeowners, or manufactured home insurance; participation in new product development, enhancements, or state launches; partner coordination; regulatory filings or SERFF; Power BI, SQL, or similar tools; relevant insurance coursework or designations. MBA or other relevant advanced degree preferred.