Product Manager, Homeowners (Remote • P&L)

MSI, part of The Baldwin Group; Oregon; Hybrid; USD 100,000 - 150,000; Full time

Job summary

MSI, part of The Baldwin Group, seeks a Product Manager to own a portfolio of assigned states within Personal Lines Homeowners. You will manage P&L, regulatory filings, and product operations across markets, partnering with cross-functional teams to launch and enhance products.

This is a high-visibility individual contributor role with potential to expand scope. Success requires deep homeowners experience, knowledge of regulatory processes, and the ability to navigate a remote-first, fast-paced

Qualifications

• 3+ years of P&C insurance experience in product management, underwriting, pricing, or a related role, with exposure to personal lines homeowners.
• Experience supporting or managing P&L results, rate revisions, or regulatory filings for one or more states.
• Working knowledge of homeowners ratemaking, underwriting, product design, and the state filing process.
• Intermediate to advanced proficiency in Microsoft Excel; ability to perform hands-on quantitative analysis.
• Direct experience owning P&L results and leading filings across multiple states.
• Experience launching new products, coverages, endorsements, or entering new territories.
• Familiarity with E&S property products in addition to admitted homeowners.
• Progress toward a professional designation (CPCU, AINS, API, or similar).

Responsibilities

• Manage P&L results within assigned states and product lines; monitor rate adequacy, loss trends, and CAT exposure, and recommend corrective actions
• Own the rate, rule, and form revision process for assigned states end-to-end: confirming scope and timelines, preparing regulatory filings, coordinating with vendors, responding to regulator inquiries, and implementing approved changes
• Support the build and launch of new products, coverages, endorsements, and geographies, including working with state Departments of Insurance to secure approval
• Partner with Actuarial and Analytics teams to assess state-level profitability, identify opportunities, and develop data-driven recommendations for improvement
• Review competitor filings, rate algorithms, and underwriting guidelines, along with industry and regulatory developments, to inform product enhancements
• Implement underwriting rules and guideline changes directed at achieving business goals
• Prepare and present state and product performance reviews to Segment Leadership and senior product leaders
• Prioritize and sequence competing product initiatives for assigned states based on business impact

Skills

P&C insurance experience

P&L ownership

Rate revisions

Quantitative analysis

Clear communication

Adaptability

Education

Bachelor’s degree in business, finance, mathematics, economics, risk management/insurance, or related field

Tools

SQL

SAS

R

Python

Tableau

Excel

Job description

MSI, part of The Baldwin Group, seeks a Product Manager to own a portfolio of assigned states within Personal Lines Homeowners. You will manage P&L, regulatory filings, and product operations across markets, partnering with cross-functional teams to launch and enhance products.

This is a high-visibility individual contributor role with potential to expand scope. Success requires deep homeowners experience, knowledge of regulatory processes, and the ability to navigate a remote-first, fast-paced