Manager, Product and Underwriting

Jobtailor; Kansas; Hybrid; USD 120,000 - 180,000; Full time

Job summary

Jobtailor, based in the United States, seeks a senior underwriter to own binding decisions and CAT‑driven property programs. You will develop ISO and proprietary forms, file multi‑state endorsements, and lead pricing strategy with reinsurers.

The role demands regulatory navigation and a capability to work across markets and tech tooling. This senior position requires licensing, strong CPCU/ARM/ASLI/AU credentials, and the ability to operate in a hybrid Kansas City, MO environment or remotely for

Qualifications

• Ownership of book performance and proactive fixes.
• Commercial mindset balancing coverage with portfolio economics.
• Constructive on appetite and negotiation.
• Clear communication of technical content to non-underwriters.
• Willing to wear multiple hats in a startup environment.
• Active P&C license; KS/MO or surplus lines preferred; Lloyd's experience a plus.
• Occasional travel for carrier meetings and Lloyd's market visits.
• Location: Kansas City, MO hybrid or remote for right candidate.

Responsibilities

• Own underwriting decisions within binding authority, including referral approvals, exception handling, and appetite framework maintenance.
• Design and execute property insurance programs covering CAT strategy, reinsurance structures, portfolio pricing, and risk appetite.
• Research, develop, and file new products and enhancements across ISO and proprietary forms, endorsements, and underwriting guidelines in multiple states.
• Develop and maintain policy forms across all lines, including coverage carve‑outs, enhancements, and protective language.
• Work with capacity partners and reinsurers to set pricing strategy and risk assessment standards for programs and individual referrals.
• Monitor production, rate adequacy, loss ratios, and risk quality, then recommend and implement adjustments to pricing and underwriting strategy.
• Navigate ISO and other regulatory service organizations for form filings, rule updates, and multi‑state compliance.
• Build and maintain underwriting tooling including raters, eligibility engines, pricing worksheets, and AI triage, and QA new implementations.
• Own E&S placement infrastructure including market relationships, placement workflows, and servicing processes.
• Act as primary technical authority for carrier relationships, binder compliance, capacity expansion conversations, and competitive intelligence to recommend product solutions and appetite expansions.

Skills

Ownership mindset

Commercial underwriting

Clear communication

Startup environment adaptability

Travel readiness

Education

CPCU

ARM

ASLI

AU

Tools

Rating automation tools

Pricing worksheets

AI triage tooling

Raters/eligibility engines

Job description

Responsibilities

• Own underwriting decisions within binding authority, including referral approvals, exception handling, and appetite framework maintenance.
• Design and execute property insurance programs covering CAT strategy, reinsurance structures, portfolio pricing, and risk appetite.
• Research, develop, and file new products and enhancements across ISO and proprietary forms, endorsements, and underwriting guidelines in multiple states.
• Develop and maintain policy forms across all lines, including coverage carve‑outs, enhancements, and protective language.
• Work with capacity partners and reinsurers to set pricing strategy and risk assessment standards for programs and individual referrals.
• Monitor production, rate adequacy, loss ratios, and risk quality, then recommend and implement adjustments to pricing and underwriting strategy.
• Navigate ISO and other regulatory service organizations for form filings, rule updates, and multi‑state compliance.
• Build and maintain underwriting tooling including raters, eligibility engines, pricing worksheets, and AI triage, and QA new implementations.
• Own E&S placement infrastructure including market relationships, placement workflows, and servicing processes.
• Act as primary technical authority for carrier relationships, binder compliance, capacity expansion conversations, and competitive intelligence to recommend product solutions and appetite expansions.

Qualifications

• Takes clear ownership of book performance and acts without waiting to be told when something needs fixing.
• Commercially minded, balancing coverage quality with portfolio economics.
• Constructive on appetite, pushing back where needed but actively finding a path to yes.
• Communicates technical content clearly to non‑underwriting audiences.
• Comfortable with evolving scope and wearing multiple hats in a startup environment.
• Technical Skills
  • Commercial lines underwriting depth across CPP, GL, and commercial property, from small business through mid‑market.
  • Property program management covering CAT strategy, reinsurance structures, TIV monitoring, and portfolio pricing.
  • Multi‑state product filing and ISO regulatory navigation across proprietary and standard forms.
  • E&S / surplus lines market experience, including Lloyd's or non‑admitted paper.
  • Experience providing business requirements to tech teams for rating automation and platform builds.
  • Analytical ability to interpret loss trends, rate adequacy, and production data.
  • CPCU strongly preferred; ARM, ASLI, or AU a plus.
• AI & Tooling
  • Uses AI tools daily to accelerate triage, form analysis, research, and drafting workflows.
  • Can evaluate AI‑generated underwriting outputs and translate underwriting logic into buildable tool specifications.
• Licensing
  • Active P&C license required; KS/MO or surplus lines licensing preferred; Lloyd's Coverholder experience a plus.
• Travel – Occasional travel for carrier meetings, broker events, and Lloyd's market visits in London.
• Location – Kansas City, MO (Hybrid) or remote opportunity considered for the right candidate.

Certifications & Qualifications

• CPCU
• ARM
• ASLI
• AU
• P&C license
• Surplus lines licensing