Senior Personal Insurance Product Lead (Southeast)

The Hartford; Hartford (CT); Hybrid; USD 108,000 - 161,000; Full time

Job summary

The Hartford is seeking an experienced Product Leader for Personal Insurance with P&L ownership across auto, homeowners, and umbrella products in assigned Southeast states. You will partner with Underwriting, Marketing, Sales, and IT to target profitable growth and optimize pricing and coverage.

Expect strong analytical capabilities, familiarity with ThoughtSpot, SQL, SAS, and Snowflake, and a proven ability to influence executive audiences with clear, concise storytelling.

Qualifications

• Minimum of 3 years experience in the P&C insurance industry, and 2+ years in Product or P&L Management is required.
• Experience in pricing, underwriting or data & analytics is a plus.
• A strong understanding of Personal Lines insurance products, coverages, and distribution channels including Direct-to-consumer and Agency.
• Strong analytical and problem-solving skills, with a strong business and financial acumen.
• Familiarity with financial statements (income statement, 10K, annual statement) and actuarial concepts (indications, loss development, credibility).
• Familiarity with data and database procedures such as ThoughtSpot Strong Excel skills required.
• Knowledge of SQL, SAS and Snowflake beneficial.
• Strong presentation, storytelling, and executive communication skills.
• Ability to create concise but powerful content and visuals to influence a range of audiences.
• Excellent relationship management skills with an emphasis on collaborating to drive results.
• Demonstrated experience challenging the status quo and broadly influencing key stakeholders to drive change and innovation.
• Ability to make evidence-based decisions quickly with imperfect information.
• Knowledge of local marketplaces, including state-specific regulations and filing requirements.
• Experience working within the Southeast region, with North Carolina-specific experience considered a plus.

Responsibilities

• Drive Financial Results. Accountable for delivering topline growth at target margins across the Direct and Agency distribution channels in their assigned states.
• Identifies new business opportunities and strategic options for growth, and influences partner organizations such as Underwriting, Marketing, Sales, and IT to generate growth in profitable customer segments and to improve profitability in underperforming cells.
• State Management. Oversee state management of the rate level, class plan segmentation, and coverage offerings of our Auto, Home, and Umbrella products in assigned geographies.
• Establish operating budgets at the state level, and regularly report out on results to senior management.
• Build deep understanding of local markets and unique regulatory requirements to create competitive advantages in each state.
• Continuous Product Enhancement. Seek out underlying drivers of poor performance and deploy pricing or product changes to improve results.
• Highlight state issues to Auto and Home Line teams to evaluate multistate impacts, and provide thought leadership on countrywide initiatives.
• Deploy countrywide standing orders to bring pricing or product enhancements into assigned states with state-specific adjustments where needed.
• Executive Communication. Actively monitor assigned states and present key results to senior leaders.
• Establish expectations for topline and bottom-line impacts of pricing or product changes, identify deviations from expected results, and develop action plans to restore growth and profit metrics to target levels.
• Deliver compelling and succinct communications to executive audiences.

Skills

Pricing

Underwriting

Data analytics

Excel

SQL

SAS

Snowflake

Presentation

Executive communication

Stakeholder management

Tools

ThoughtSpot

SQL

SAS

Snowflake

Job description

The Hartford is seeking an experienced Product Leader for Personal Insurance with P&L ownership across auto, homeowners, and umbrella products in assigned Southeast states. You will partner with Underwriting, Marketing, Sales, and IT to target profitable growth and optimize pricing and coverage.

Expect strong analytical capabilities, familiarity with ThoughtSpot, SQL, SAS, and Snowflake, and a proven ability to influence executive audiences with clear, concise storytelling.