Product SME – Auto Claims

Assured; Palo Alto (CA); On-site; USD 120,000 - 140,000; Full time

Benefits offered by this job

Healthcare plan

Unlimited PTO

401(k) contributions

WFH benefits

Equity

Job summary

Assured Insurance Technologies seeks a Product SME to lead an end-to-end evaluation of the auto claims process, from FNOL to resolution. You will map decisions, data flows, and documentation, identifying automation opportunities and cross‑functional gaps.

This role sits at the crossroads of Product, Engineering and Analytics and aims to deliver measurable improvements in cycle time, accuracy, and customer experience.

Qualifications

• Experience in a major carrier as a claims adjuster is preferred.
• Deep understanding of auto claims lifecycle in P&C.
• Proven ability to work with product, engineering, data and operations teams.

Responsibilities

• Conduct end-to-end review of auto claims lifecycle from FNOL to closure and identify friction points.
• Develop expertise on how claims decisions are supported by data and information used by adjusters.
• Identify breakdowns in workflow and data capture, surfacing inconsistencies affecting outcomes.
• Own integrity of core claims data across systems, ensuring coverage, liability, damages, reserves, and settlements are accurate.
• Define standards for claims quality, documentation, rationale, reserve accuracy, and customer communications.
• Collaborate with Product, Engineering, Claims Ops, Analytics, and Leadership to resolve systemic issues.
• Improve inputs/outputs across claims processes with dashboards, reporting, automation, and AI models.
• Translate insights into measurable product improvements reducing cycle time and improving loss ratio.

Skills

Claims adjuster experience

End-to-end auto claims

Cross-functional collaboration

Data-driven decision making

Strong communication

Job description

Assured is on a mission to modernize insurance. Claims processing (i.e. should we pay this claim?) is the foundation of the entire industry. It’s currently highly manual, involving phone calls, faxes, and gut instinct, costing tens of billions of dollars a year. We can do better.

At Assured, we provide large insurers with the software solutions they need to win in a modern, technology‑driven world. From self‑service claim‑filing software to backend fraud detection, we’re the engine that powers claims processing for some of the largest insurers in the world.

The challenges we face are deep and diverse, from creating digital experiences that provide comfort and clarity to claimants at their most stressed and vulnerable to orchestrating large‑scale ML‑driven decision‑making on billions of dollars of claims payments, life at Assured is dynamic, collaborative, and rewarding.

Assured Insurance Technologies is seeking a Product SME to lead a comprehensive evaluation of the end‑to‑end auto claims process. This role will focus on understanding how claims move from First Notice of Loss (FNOL) through resolution, how decisions are made and documented, how data flows across systems, and where operational and product improvements can meaningfully impact cycle time, accuracy, customer experience, and financial performance.

This role sits at the intersection of Product, Engineering and Analytics and is expected to drive meaningful, company‑wide impact.

What You’ll Do

• Conduct an end‑to‑end review of the auto claims lifecycle, examining the full claim journey from FNOL intake to closure, and identifying friction points and opportunities for automation.
• Develop deep expertise in how claims decisions are made and supported by data, understanding information adjusters rely on and identifying gaps or inefficiencies.
• Identify breakdowns in claim workflow and documentation, surfacing inconsistencies in data capture, reserve alignment, task routing, handoffs, approvals, customer communications, or downstream reporting that affect claim outcomes.
• Own the integrity of core claims data across systems, ensuring key indicators such as coverage status, liability stance, damages exposure, reserve position, and settlement status are accurately captured and consistently reflected.
• Define standards for claims quality and defensibility, establishing expectations for documentation rigor, decision rationale, reserve accuracy, communication clarity, and alignment between investigation findings and financial outcomes.
• Partner cross‑functionally with Product, Engineering, Claims Operations, Analytics, and Leadership to resolve systemic issues impacting claim efficiency, accuracy, and customer experience.
• Improve both inputs and outputs across the claims process, enhancing how evidence and claim information are collected, structured, and surfaced through dashboards, reporting, automation workflows, and AI models.
• Translate insights into measurable product improvements, prioritizing enhancements that reduce cycle time, improve loss ratio performance, minimize leakage, strengthen reserving accuracy, improve customer satisfaction, and increase operational efficiency.
• Influence roadmap decisions with financial and operational context, clearly articulating business impact across indemnity spend, expense management, subrogation recovery, litigation exposure, adjuster productivity, and customer retention.
• Serve as the internal subject‑matter expert on the auto claims lifecycle, guiding best practices for claim handling, documentation standards, investigation quality, and automation opportunities.
• Align teams around consistent process standards, partnering across Claims, Product, Engineering, Finance, and Customer Success to ensure shared understanding and disciplined execution.
• Communicate clearly across audiences, presenting findings and recommendations effectively to both technical and non‑technical stakeholders.

You Have

• Prior experience working at a major carrier as a claims adjuster.
• Deep understanding of the end‑to‑end auto claims process within P&C.
• Experience working closely with product, engineering, data, and operational teams.
• Proven ability to assess complex workflows and identify high‑impact improvements.
• Comfort owning ambiguous, high‑leverage initiatives with measurable financial impact.
• Strong written and verbal communication skills.

Benefits

• Competitive Compensation: salary and equity packages for all employees.
• Healthcare Plan: Platinum medical, dental, and vision coverage.
• Free life insurance: including long‑term disability & short‑term disability.
• Unlimited PTO: uncapped vacation days & paid holidays.
• Family Leave: maternity & paternity.
• 401(k) Contribution: Assured contributes 3% of your income, even if you don’t contribute.
• WFH Benefits: lunch on us 2x/week, monthly phone stipend & other home office perks.
• Health FSAs & HSAs: pre‑tax accounts for out‑of‑pocket medical expenses.
• Team events & offsites: we’re remote, but we regularly get together.

Recruiter Security

We have been made aware of individuals falsely posing as recruiters from Assured Insurance Technologies Inc. Please note that we only contact candidates from official @assured.claims email addresses and all interviews are conducted through verified company channels. If you are unsure whether a message is legitimate, please contact us directly at recruiting‑[e-mail] before sharing any personal information.

Our Commitment

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Please contact us to request accommodation.

Compensation Range: $120K - $140K