• 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.