Remote Product Manager, Homeowners – P&L & Regulation

Baldwin Group Colleague, Inc.; United States; Remote; USD 110,000 - 170,000; Full time

Job summary

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

Your role requires deep knowledge of homeowners pricing, underwriting, and regulatory filing practices, with a focus on data-driven improvements to profitability. Remote-first culture with travel as needed.

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

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 knowledge

Excel proficiency

Analytical thinking

Communication skills

Education

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

Tools

SQL

SAS

R

Python

Tableau

Job description

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

Your role requires deep knowledge of homeowners pricing, underwriting, and regulatory filing practices, with a focus on data-driven improvements to profitability. Remote-first culture with travel as needed.