Product Manager, Personal Lines Homeowners - MSI

Baldwin Group Colleague; United States; On-site; USD 120,000 - 170,000; Full time

Benefits offered by this job

None

Job summary

MSI is seeking a Product Manager to join our Personal Lines Homeowners product team. You will own a portfolio of assigned states, managing day-to-day product operations, P&L results, and the regulatory process for your markets, while partnering across the organization to launch and enhance products.

This high-visibility, individual contributor role requires collaboration with Segment Leadership, Product Strategy, Actuarial, Legal/Compliance, Underwriting, and Advanced Analytics to execute

Qualifications

• 3+ years in P&C insurance product management, underwriting, pricing, or related role with homeowners exposure.
• Experience managing P&L results, rate revisions, or regulatory filings in one or more states.
• Working knowledge of homeowners ratemaking, underwriting, product design, and state filing processes.
• Bachelor's degree in business, finance, mathematics, economics, risk management/insurance, or related field.

Responsibilities

• Manage P&L results within assigned states and product lines; monitor rate adequacy, loss trends, and CAT exposure.
• Own rate, rule, and form revision process for assigned states end-to-end: scope, timelines, filings, and regulator inquiries.
• Support build and launch of new products, coverages, endorsements, and geographies with state regulatory approval.
• Partner with Actuarial and Analytics to assess profitability and develop data-driven recommendations.
• Review competitor filings, rate algorithms, and underwriting guidelines to inform product enhancements.
• Implement underwriting rules and guideline changes to achieve business goals.
• Prepare and present state and product performance reviews to Segment Leadership and senior product leaders.
• Prioritize and sequence product initiatives for assigned states based on business impact.

Skills

Ownership

Analytical thinking

Communication

Education

Bachelor's degree in business/finance/economics or related field

Tools

SQL

SAS

R

Python

Tableau

Job description

Why MSI? We thrive on solving challenges.

As a leading MGA, MSI combines deep underwriting expertise with insurer and reinsurer risk capacity to create specialized insurance solutions that empower distribution partners to meet customers' unique needs.

We have a passion for crafting solutions for the important risks facing individuals and businesses. We offer an expanding suite of products - from fully-digital embedded renters coverage to high-value homeowners insurance to sophisticated commercial coverages, such as cyber liability and habitational property - delivered through agents, brokers, wholesalers and other brand partners.

Our partners and customers count on us to deliver exceptional service through a dedicated team that makes rapid resolutions a priority. We simplify the insurance experience through our advanced technology platform that supports every phase of the policy lifecycle. Since its founding in 2015, MSI has grown to offer a wide range of insurance products across commercial, specialty, and personal lines and has reached over $1 billion of in-force premium in its nationwide portfolio.

Bring on your challenges and let us show you how we build insurance better.

The Role

We are seeking a Product Manager to join our Personal Lines Homeowners product team. You will own a portfolio of assigned states, managing day-to-day product operations, P&L results, and the regulatory process for your markets, while partnering across the organization to launch and enhance products.

This is a high-visibility individual contributor role. You will work closely with Segment Leadership, Product Strategy, Actuarial, Legal/Compliance, Underwriting, and Advanced Analytics to execute on product initiatives. Each local market is unique, requiring sound judgment on how best to adapt our franchise approach to your states.

Success in this role requires a solid understanding of the homeowners landscape - product design, pricing and underwriting techniques, marketplace trends, and regulatory considerations - along with a working grasp of P&L fundamentals, CAT management metrics, and how product decisions drive financial outcomes. You will have the support of senior product leaders and the opportunity to grow your scope as you build command of your markets.

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

Qualifications

Required

• 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
• Bachelor's degree in business, finance, mathematics, economics, risk management/insurance, or a related field, or equivalent experience

Preferred

• 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
• Experience with SQL, SAS, R, Python, Tableau, or other data query and programming tools
• Progress toward a professional designation (CPCU, AINS, API, or similar)

Skills and Qualities

• Ownership mindset: takes accountability for assigned states and follows issues through to resolution; comfortable working with agile teams to develop and launch solutions
• Structured, analytical thinking: breaks down complex problems into component parts, assesses them quantitatively, and translates findings into actionable recommendations
• Clear communication and interpersonal skills: communicates effectively and succinctly at all levels of the organization; builds inclusive an