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.
Requirements
- 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.
- 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.
- 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.
Benefits
- Generous Paid Time Off
- 401k Matching
- Retirement Plan
- Tuition Reimbursement
- Relocation Assistance
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