Product Manager - Insurance (Remote)

Arbol; Miami (FL); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Comprehensive health coverage

401(k) match

Flexible PTO

Equity options

Job summary

A climate risk coverage provider in Miami is seeking an experienced Product Manager to lead their insurance products. In this role, you will drive profitable growth, optimize product performance, and collaborate with teams to implement competitive pricing strategies. The ideal candidate has at least three years in property & casualty product management and strong analytical skills. This full-time position offers a dynamic environment with opportunities for professional growth and competitive benefits.

Qualifications

• Three or more years of property & casualty product management or insurance experience.
• Experience working with large datasets.

Responsibilities

• Deliver profitable growth in managed states/territories.
• Develop and recommend changes to insurance products.
• Analyze product performance metrics and optimize results.
• Identify new market opportunities through market analysis.
• Coordinate with the pricing team to develop competitive pricing.

Skills

Quantitative analysis capabilities

Leadership

Communication

Problem-solving

Team-oriented environment experience

Education

CPCU or related insurance coursework

Job description

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.

Arbol National Insurance Managers is seeking a Product Manager, well versed in insurance, to join our team! As an experienced professional capable of guiding insurance products throughout their lifecycle, you will lead our company’s efforts in a state or territory to deliver profitable growth. You will monitor, manage, and execute changes to our company’s rates, rules, and forms as we strive to innovate to provide more value to our agents and customers than our competitors. And you will make coverage, pricing, and other business recommendations to underwriting, claims, finance, and senior management. Reporting to the Director of Product Management, you will play a key role in executing Arbol’s vision to profitably provide coverage-driven product solutions to our customers.

What You’ll Be Doing

• Deliver profitable growth in managed states/territories through understanding markets, loss trends, and regulatory requirements
• Develop, implement, monitor, and recommend changes to personal property insurance products
• Analyze product performance metrics (loss ratio, frequency, severity, hit ratio, retention, etc.) and recommend/implement changes to optimize results
• Conduct sophisticated analysis of product mix, quote-to-bind conversion rates, claims frequency, and retention strategies
• Identify and evaluate new market opportunities through complex market analysis and competitive intelligence
• Coordinate with the pricing team to develop competitive pricing structures using ISO tools, proprietary rating elements, and advanced economic models
• Design and recommend automated compliance systems to improve operational efficiencyServe as subject matter expert for regulatory initiatives and state-specific requirements
• Partner with actuarial on rate selection, and execute filings for rates, rules, and forms
• Monitor the competitive environment by gathering intelligence from marketing and our agents and analyzing competitor rate changes
• Understand all relevant regulations and work with regulatory entities to secure filing approvals
• Guide and support Business Analyst and IT resources to deliver product changes accurately and on time

What You’ll Need

• Three or more years of property & casualty product management or insurance experience
• Excellent quantitative analysis capabilities and experience working with large datasets
• Strong leadership, communication, and problem-solving abilities
• Experience working in a fast-paced, team-oriented environment with shared resources
• CPCU, actuarial exams, or other related insurance coursework preferred

Essential Job Functions & Physical Requirements

• Ability to sit for extended periods of time while working at a computer, with or without reasonable accommodation
• Ability to use a computer, keyboard, mouse, and standard office equipment (e.g., phone, printer, scanner)
• Ability to view a computer screen for prolonged periods, with or without reasonable accommodation
• Ability to communicate effectively in person, by phone, and via email
• Ability to occasionally stand, walk, bend, and reach within an office environment
• Ability to lift and/or move up to 10–15 pounds occasionally (e.g., office supplies, files), with or without reasonable accommodation
• Ability to perform repetitive motions, such as typing or data entry
• Ability to maintain focus and attention while performing detailed tasks

Interested, but you don’t meet every qualification? Please apply!

Arbol values the perspectives and experience of candidates with non-traditional backgrounds and we encourage you to apply even if you do not meet every requirement.

Accessibility

Arbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview, please contact [e-mail]

Benefits

Arbol is proud to offer its full-time employees competitive compensation and equity in a high-growth startup. Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge.

Equal Opportunity Employer

Arbol is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, veteran status, or any other legally protected status.

Arbol participates in the E-Verify program to confirm employment eligibility. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.