VP P&C State Product Management
About The Position
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. Partnering closely with Pricing/Actuarial, Underwriting, Claims, Distribution, Regulatory, Finance, and Technology, this leader translates performance insights into executable state strategies that improve loss ratios, drive growth, and enhance market competitiveness while ensuring regulatory alignment and operational readiness.
Requirements
- 10+ years of progressive leadership experience in Personal Lines insurance.
- Demonstrated success managing multi-state product portfolios with direct P&L accountability.
- Deep understanding of rate, rule, and form filings and state regulatory environments.
- Proven ability to translate analytics into actionable strategy in partnership with Pricing/Actuarial teams.
- Strong cross-functional leadership experience across Underwriting, Claims, Distribution, and Technology.
- Bachelor’s degree or equivalent experience.
Nice To Haves
- Experience leading large-scale, multi-state portfolio transformation initiatives.
- Proven success in both profitability remediation and growth acceleration strategies.
- CPCU designation or advanced degree (MBA or similar).
- Experience working within both captive agent and direct-to-consumer distribution models.
Responsibilities
- 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.
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What This Job Offers
Job Type
Full-time
Career Level
Executive
