Personal Insurance Product Assistant Director

The Hartford; Hartford (CT); Hybrid; USD 108,000 - 161,000; Full time

Job summary

The Hartford is seeking an experienced Product Leader for Personal Insurance with P&L ownership across auto, homeowners, and umbrella products in assigned Southeast states. You will partner with Underwriting, Marketing, Sales, and IT to target profitable growth and optimize pricing and coverage.

Expect strong analytical capabilities, familiarity with ThoughtSpot, SQL, SAS, and Snowflake, and a proven ability to influence executive audiences with clear, concise storytelling.

Qualifications

• Minimum of 3 years experience in the P&C insurance industry, and 2+ years in Product or P&L Management is required.
• Experience in pricing, underwriting or data & analytics is a plus.
• A strong understanding of Personal Lines insurance products, coverages, and distribution channels including Direct-to-consumer and Agency.
• Strong analytical and problem-solving skills, with a strong business and financial acumen.
• Familiarity with financial statements (income statement, 10K, annual statement) and actuarial concepts (indications, loss development, credibility).
• Familiarity with data and database procedures such as ThoughtSpot Strong Excel skills required.
• Knowledge of SQL, SAS and Snowflake beneficial.
• Strong presentation, storytelling, and executive communication skills.
• Ability to create concise but powerful content and visuals to influence a range of audiences.
• Excellent relationship management skills with an emphasis on collaborating to drive results.
• Demonstrated experience challenging the status quo and broadly influencing key stakeholders to drive change and innovation.
• Ability to make evidence-based decisions quickly with imperfect information.
• Knowledge of local marketplaces, including state-specific regulations and filing requirements.
• Experience working within the Southeast region, with North Carolina-specific experience considered a plus.

Responsibilities

• Drive Financial Results. Accountable for delivering topline growth at target margins across the Direct and Agency distribution channels in their assigned states.
• Identifies new business opportunities and strategic options for growth, and influences partner organizations such as Underwriting, Marketing, Sales, and IT to generate growth in profitable customer segments and to improve profitability in underperforming cells.
• State Management. Oversee state management of the rate level, class plan segmentation, and coverage offerings of our Auto, Home, and Umbrella products in assigned geographies.
• Establish operating budgets at the state level, and regularly report out on results to senior management.
• Build deep understanding of local markets and unique regulatory requirements to create competitive advantages in each state.
• Continuous Product Enhancement. Seek out underlying drivers of poor performance and deploy pricing or product changes to improve results.
• Highlight state issues to Auto and Home Line teams to evaluate multistate impacts, and provide thought leadership on countrywide initiatives.
• Deploy countrywide standing orders to bring pricing or product enhancements into assigned states with state-specific adjustments where needed.
• Executive Communication. Actively monitor assigned states and present key results to senior leaders.
• Establish expectations for topline and bottom-line impacts of pricing or product changes, identify deviations from expected results, and develop action plans to restore growth and profit metrics to target levels.
• Deliver compelling and succinct communications to executive audiences.

Skills

Pricing

Underwriting

Data analytics

Excel

SQL

SAS

Snowflake

Presentation

Executive communication

Stakeholder management

Tools

ThoughtSpot

SQL

SAS

Snowflake

Job description

AD Product Management - EM07CE We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. Do you have a passion for leaving things better than you found them? Are you innovative and find gratification in seeing your strategies come to life? This is your opportunity to give those passions and talents new purpose by applying them to meaningful work at The Hartford. The Hartford’s Personal Insurance business provides automobile, homeowners and personal umbrella coverages to individuals across the United States. The business includes The AARP Automobile and Homeowners Insurance Program serving more than 37 million members. The Personal Insurance Product Assistant Director has profit and loss responsibility for our auto and homeowner’s insurance products for specific states within an assigned geography. The successful candidate will support operations across one to three Southeast states. Familiarity with the North Carolina market and related experience is a plus. Their ideas, insights, and ability to execute a strategic vision and foster change directly impacts our business and our shareholders.

Responsibilities

• Drive Financial Results. Accountable for delivering topline growth at target margins across the Direct and Agency distribution channels in their assigned states.
• Identifies new business opportunities and strategic options for growth, and influences partner organizations such as Underwriting, Marketing, Sales, and IT to generate growth in profitable customer segments and to improve profitability in underperforming cells.
• State Management. Oversee state management of the rate level, class plan segmentation, and coverage offerings of our Auto, Home, and Umbrella products in assigned geographies.
• Establish operating budgets at the state level, and regularly report out on results to senior management.
• Build deep understanding of local markets and unique regulatory requirements to create competitive advantages in each state.
• Continuous Product Enhancement. Seek out underlying drivers of poor performance and deploy pricing or product changes to improve results.
• Highlight state issues to Auto and Home Line teams to evaluate multistate impacts, and provide thought leadership on countrywide initiatives.
• Deploy countrywide standing orders to bring pricing or product enhancements into assigned states with state-specific adjustments where needed.
• Executive Communication. Actively monitor assigned states and present key results to senior leaders.
• Establish expectations for topline and bottom-line impacts of pricing or product changes, identify deviations from expected results, and develop action plans to restore growth and profit metrics to target levels.
• Deliver compelling and succinct communications to executive audiences.

Qualifications

• Minimum of 3 years experience in the P&C insurance industry, and 2+ years in Product or P&L Management is required.
• Experience in pricing, underwriting or data & analytics is a plus.
• A strong understanding of Personal Lines insurance products, coverages, and distribution channels including Direct-to-consumer and Agency.
• Strong analytical and problem-solving skills, with a strong business and financial acumen.
• Familiarity with financial statements (income statement, 10K, annual statement) and actuarial concepts (indications, loss development, credibility).
• Familiarity with data and database procedures such as ThoughtSpot Strong Excel skills required.
• Knowledge of SQL, SAS and Snowflake beneficial.
• Strong presentation, storytelling, and executive communication skills.
• Ability to create concise but powerful content and visuals to influence a range of audiences.
• Excellent relationship management skills with an emphasis on collaborating to drive results.
• Demonstrated experience challenging the status quo and broadly influencing key stakeholders to drive change and innovation.
• Ability to make evidence-based decisions quickly with imperfect information.
• Knowledge of local marketplaces, including state-specific regulations and filing requirements.
• Experience working within the Southeast region, with North Carolina-specific experience considered a plus.

This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our Hub office locations will have the expectation of working in an office three days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise. Updated the job description to clarify the geographic scope of the role and highlight North Carolina experience as a preferred qualification-9/14/2026.

Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $107,600 - $161,400

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age

About Us | Our Culture | What It’s Like to Work Here | Perks & Benefits Every day, a day to do right. Showing up for people isn’t just what we do. Its who we are - and have been for more than 200 years. We’re devoted to finding innovative ways to serve our customers, communities and employees continually asking ourselves what more we can do. Is our policy language as simple and inclusive as it can be? Can we better help businesses navigate our ever-changing world? What else can we do to destigmatize mental health in the workplace? Can we make our communities more equitable? That we can rise to the challenge of these questions is due in no small part to our company values that our employees have shaped and defined. And while how we contribute looks different for each of us, its these values that drive all of us to do more and to do better every day.