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Personal Lines Insurance Catastrophe Risk Product Manager

Product ManagerProduct ManagerFull TimeRemoteLeadTeam 5,001-10,000Since 1902H1B SponsorCompany SiteLinkedIn

Location

Alabama + 22 moreAll locations: Alabama, Arizona, California, Colorado, Connecticut, District Of Columbia, Florida, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Montana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, South Carolina, Washington

Posted

1 day ago

Salary

$136.9K - $182.5K / year

Seniority

Lead

Bachelor Degree8 yrs expEnglish

Job Description

• Shape personal lines catastrophe risk strategy • Define and evolve our countrywide catastrophe risk management approach • Establish concentration risk thresholds and portfolio diversification strategies • Translate catastrophe model insights into actionable underwriting and pricing strategies • Lead cross-functional initiatives • Serve as the organizational quarterback for initiatives across underwriting, actuarial, reinsurance, analytics, and product teams • Lead complex initiatives that strengthen portfolio resilience and growth • Align business groups on strategy and drive execution through influence and collaboration • Drive portfolio risk management • Monitor catastrophe exposure and total insured values across geographies and perils • Develop strategies to manage accumulation risk and improve portfolio diversification • Project manage implementation of underwriting guidelines, product changes, and operational controls that support risk objectives • Turn analytics into business decisions • Interpret catastrophe model outputs and communicate their practical implications • Drive organizational understanding on the impacts of inflation and macroeconomic trends to our total insured values and manage insurance-to-value of the book • Team with reinsurance, actuarial, and capital management teams to evaluate catastrophe exposure and loss volatility • Leverage catastrophe risk capabilities • Find opportunities to improve catastrophe risk monitoring, reporting, and decision frameworks • Lead initiatives such as improved accumulation management tools, coastal underwriting rules, or portfolio diversification programs • Stay ahead of Insurance industry trends related to catastrophe risk, climate impacts, and emerging modeling approaches • Serve as a catastrophe risk subject matter expert • Provide guidance to internal business leaders on catastrophe risk implications and portfolio management strategies • Communicate complex risk insights clearly to leadership and cross-functional teams • Shape strategy by defining acceptable concentration risk thresholds and determining the markers for long-term success of our personal lines property book

Job Requirements

  • Bachelor’s degree in business, economics, finance, risk management, or a related field (or equivalent experience)
  • 8+ years of experience in personal lines insurance product management, underwriting, catastrophe risk management, or related roles
  • Strong understanding of catastrophe modeling outputs and how they inform insurance pricing, underwriting, and portfolio management decisions
  • Demonstrated ability to lead complex cross-functional initiatives through influence rather than direct authority
  • Experience developing strategies that balance growth, profitability, and catastrophe risk exposure
  • Strong analytical and financial evaluation skills with the ability to interpret complex data and translate insights into business decisions
  • Ability to operate across both strategic and tactical levels of a project
  • Excellent written and verbal communication skills, including the ability to explain complex concepts to diverse audiences
  • Strong organizational and project leadership capabilities with experience driving initiatives from concept through execution
  • Solid understanding of insurance product mechanics, underwriting strategy, and portfolio management
  • Ability to travel as needed for role.

Benefits

  • Total compensation package
  • Annual bonus eligibility for most roles
  • 401(k) with a company match
  • Flexible workplace

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