Senior Product Manager, Insurance

The Senior Product Manager serves as a recognized subject matter expert with advanced responsibility for product performance and strategic initiatives across assigned commercial insurance product lines. This role applies broad expertise to independently evaluate complex market factors, lead sophisticated product development initiatives, and drive advanced underwriting and pricing strategies. You will exercise independent judgment on significant product decisions, provide expert guidance on regulatory compliance across multiple states, and mentor team members while working on issues that impact program success. Working with high autonomy, you will translate functional strategies into operational processes, leverage deep industry knowledge to identify growth opportunities, and serve as the internal expert resource for complex product challenges. This role exists to provide advanced technical expertise and strategic insight that enhances Pie's competitive position in commercial insurance.

Commercial Insurance Domain Expertise:

• Serve as the primary subject matter expert for commercial insurance products, demonstrating deep knowledge of underwriting guidelines, pricing models, and market dynamics across property, casualty, workers' compensation, and general liability lines.
• Provide expert guidance on complex commercial insurance challenges including risk assessment methodologies, coverage gap analysis, and multi-line insurance portfolio optimization strategies.
• Lead knowledge transfer initiatives to elevate team understanding of commercial insurance fundamentals, regulatory compliance requirements, and industry best practices across diverse business sectors.
• Collaborate with cross-functional teams to ensure product decisions align with commercial insurance market requirements, regulatory standards, and emerging risk landscapes.
• Maintain current knowledge of commercial insurance industry trends, including cyber liability, environmental risks, supply chain vulnerabilities, and competitive landscape developments.

Strategic Partnership & Stakeholder Management:

• Manage complex relationships with external business partners, including regulatory bodies, reinsurance providers, and industry collaborators, to advance commercial insurance product initiatives.
• Demonstrate executive presence and influence skills when presenting strategic recommendations to senior leadership and external stakeholders on commercial insurance matters.
• Navigate challenging partnership dynamics with confidence, using deep domain expertise to advocate for optimal product outcomes across multiple commercial insurance lines.
• Build consensus across diverse stakeholder groups through effective communication and collaborative problem-solving approaches that address varied commercial insurance needs.
• Execute strategic initiatives independently while maintaining strong alignment with organizational objectives and partner requirements in the broader commercial insurance market.

Advanced Product Performance & Analytics

• Monitor and analyze profitability, loss ratios, and growth metrics across assigned product lines with advanced expertise.
• Conduct sophisticated analysis of product mix, quote-to-bind conversion rates, claims frequency, and retention strategies.
• Identify and evaluate new market opportunities through complex market analysis and competitive intelligence.
• Coordinate with the pricing team to develop competitive pricing structures using ISO tools, proprietary rating elements, and advanced economic models.
• Design and recommend systematic approaches to optimize automated underwriting processes.

Expert Regulatory Compliance & Program Development:

• Apply advanced expertise to ensure all commercial insurance products, forms, rules, and rating plans meet compliance guidelines across multiple states.
• Design and recommend automated compliance systems to improve operational efficiency.
• Collaborate with internal and external partners to develop and file new programs with regulatory bodies.
• Provide expert guidance on complex regulatory challenges and compliance solutions.
• Serve as subject matter expert for regulatory initiatives and state-specific requirements.

Advanced Technology Integration & Systems Development:

• Collaborate with technology teams to develop advanced policy management systems and product technology enhancements.
• Apply expert knowledge to integrate traditional product models with technology-driven solutions using telematics and other third-party data.
• Provide technical expertise for complex implementation of rate, rule, and form changes across multiple systems.
• Collaborate with the technology teams to develop sophisticated underwriting tools and customer experience improvements.
• Own automated underwriting rulesets and collaborate with technology teams to enhance rule structure, design sophistication, and decision quality through continuous optimization of underwriting logic and risk assessment algorithms.

Educational Background:

• Bachelor's Degree required.
• CPCU or CIC Certification preferred.

Experience:

• Minimum of 8 years of related experience in insurance with at least 4 years in product management
• Advanced expertise in commercial insurance product development and underwriting with a proven track record of performance analysis.
• Expert-level knowledge and understanding of commercial auto required.

Skills:

• Expert-level capabilities in data management and manipulation using Excel required, with experience with SQL and Snowflake for complex multi-variable analysis preferred.
• Advanced analytical thinking with ability to evaluate complex, intangible factors independently and make sophisticated product decisions.
• Proven ability to drive results in fast-paced, high-growth environments while managing significant business complexity.
• Advanced organizational and time management skills, capable of working with high autonomy on complex initiatives while meeting critical deadlines.
• Comprehensive knowledge of commercial insurance regulatory compliance across multiple states and complex market dynamics.
• Expert understanding of distribution channels (direct-to-business, independent agents) including advanced knowledge of process dynamics and economic metrics.
• Exceptional interpersonal skills with proven ability to build rapport and collaborate effectively with stakeholders at all levels, serve as subject matter expert, and mentor team members across the organization and with key external partners.

The use of AI in Application Review: To support a fair, efficient, and consistent hiring process, we use AI-powered tools to assist in the initial screening of applications. These tools help us identify qualifications and prior work experiences that align with the requirements of the role. All AI-reviewed applications are still subject to human oversight and decision-making at multiple stages of the process. By submitting your application, you acknowledge and consent to Pie utilizing these AI technologies to assist in our evaluation process.