Personal Insurance Product Director, State Management

The Hartford; Hartford (CT); Hybrid; USD 140,000 - 209,000; Full time

Job summary

The Hartford is seeking a Director of Product Management for Personal Insurance to oversee Auto, Home, and Umbrella P&L results in designated states. You will shape strategic product plans, coordinate with Underwriting, Sales, and Marketing, and drive growth in a highly regulated environment.

Hybrid or Remote work options are available. The role emphasizes state-level budgeting, pricing enhancements and executive communication to achieve sustainable margins across the region.

Qualifications

• 7+ years of experience in the P&C insurance industry, with 5+ years in Product or P&L Management.

Responsibilities

• Drive topline growth at target margins across the Direct and Agency distribution channels in their assigned states.
• Oversee state management of the rate level, class plan segmentation, coverage offerings and regulatory compliance of Auto, Home, and Umbrella products in assigned geographies.
• Deploy pricing or product changes to improve results and support countrywide initiatives.

Skills

P&C insurance

Pricing

Data analytics

Financial statements

SQL

Excel

PowerPoint

Executive communication

Stakeholder management

Education

Bachelor's degree preferred

Tools

SQL

Excel

PowerPoint

Job description

Dir Product Management – EM06AE

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.

Personal Insurance Product Director, State Management

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 TheHartford. TheHartford’sPersonalLinesbusiness provides automobile, homeowners and personal umbrella coverages to individuals across the United States. ThebusinessincludesTheAARP® Automobile and Homeowners Insurance Program serving more than 37 million members. TheHartford'sPersonalInsuranceStateProduct organization is looking for a Director of Product Management to oversee the Auto, Home and Umbrella P&L results for specific states within an assigned geography. Familiarity with North Carolina and related experience is a plus. Reporting to the Southeast Region Lead, the Product Manager will be accountable for developing and executing a strategic vision that enables long‑term, sustainable growth while maintaining target margins for their states. This position is responsible for state level planning and budgeting, delivering product and pricing enhancements to market in a highly regulated environment, and partnering with Underwriting, Sales, and Marketing to drive growth in profitable customer segments. This role offers flexibility in level and may be filled as either a Director or Assistant Director. The title will be aligned to the selected candidate’s experience, leadership background, and qualifications.

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, coverage offerings and regulatory compliance of our Auto, Home, and Umbrella products in assigned geographies. Establish operating budgets at the state level and regularly report 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 top‑line 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

• 7+ years of experience in the P&C insurance industry, with 5+ years in Product or P&L Management.
• Experience in pricing, underwriting or data & analytics is a plus.
• A strong understanding of Personal Insurance products, coverages, and distribution channels including Direct‑to‑consumer and Agency.
• Excellent 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 SQL; advanced knowledge of Microsoft Office tools, such as Excel and PowerPoint.
• 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.
• Bachelor's degree preferred.

WORK LOCATION & SCHEDULE

This role can have a Hybrid or Remote work schedule.Candidates who live near one of our office locations have the expectation of working in an office 3 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.

COMPENSATION

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 TheHartford’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: $139,600 - $209,400

ALIENATION COMPLIANCE

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

ABOUT US & CULTURE

Every day, a day to do right. Showing up for people isn’t just what we do. It’s 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, it’s these values that drive all of us to do more and to do better every day.