Senior Product Analyst – Personal Auto Insurance

American Freedom Insurance Company; Mount Prospect (IL); Hybrid; USD 75,000 - 110,000; Full time

Benefits offered by this job

Competitive Salary

401K with company match (up to 6%)

Health & Wellness benefits (BCBS PPO/H

Hybrid Schedule

Paid Holidays

PTO

Professional Growth

Job summary

American Freedom Insurance Company is seeking a motivated analytics professional to join our growing team. You will analyze personal auto insurance performance across multiple states, develop dashboards, and provide strategic recommendations to improve pricing, underwriting, and profitability.

Expect collaboration with Product Management, Underwriting, Actuarial and IT teams, with a hybrid work schedule and opportunities for growth.

Qualifications

• Bachelor’s degree in a related field; advanced degree a plus.
• 3–5 years of experience in property and casualty insurance.
• Experience in personal auto insurance, pricing analytics, underwriting analytics, or insurance reporting preferred.
• Strong analytical, quantitative, and problem-solving skills with attention to detail.
• Experience working with insurance performance data (loss ratios, premium, retention, profitability).
• Proficiency in Excel and ability to analyze large datasets and develop reports.
• Experience with SQL, Power BI, Tableau or similar tools.
• Interest in leveraging AI to improve efficiency and insights.
• Familiarity with SERFF, rate filings, and state regulations is a plus.
• Strong written and verbal communication skills; ability to explain findings to non-technical audiences.

Responsibilities

• Analyze auto insurance performance across multiple states and core metrics.
• Evaluate pricing, rate changes, underwriting results, and product performance for trends and risks.
• Develop and maintain dashboards, reports, and analytic models; provide actionable insights to leadership.
• Conduct competitive market research and evaluate pricing and underwriting practices.
• Collaborate with Product Management, Underwriting, Actuarial, and other teams on rate, rule, and form changes.
• Assist with SERFF filings and regulatory inquiries as needed.
• Identify opportunities to improve profitability and customer experience through data-driven recommendations.
• Leverage automation and AI to streamline reporting and analysis.
• Prepare presentations detailing findings and recommendations for senior leadership.
• Explore new markets and product enhancements for expansion.

Skills

Analytical

SQL

Excel

Data visualization

Education

Bachelor's degree

Advanced degree

Tools

SQL

Power BI

Tableau

Job description

Description

American Freedom Insurance Company (AFIC) is a leader in the nonstandard automobile insurance industry. We are a consistently expanding, midsized, highly profitable company doing business in Illinois, Indiana, Pennsylvania, Tennessee, Texas, and licensed in Ohio. We are looking for a motivated and analytical professional to contribute their skills in a fast-paced and growing organization.

Responsibilities

• Analyze Personal Auto insurance performance across multiple states, including loss ratios, premium growth, retention, policy counts, producer performance, and overall profitability.
• Evaluate pricing strategies, rate changes, underwriting results, and product performance to identify trends, risks, and opportunities for improvement.
• Develop and maintain reports, dashboards, and analytical models. Identify key trends and provide actionable recommendations to Product Management and senior leadership.
• Conduct competitive analysis and market research to evaluate pricing, coverage offerings, underwriting practices, and industry trends.
• Support the development and evaluation of rate, rule, and form changes in collaboration with Product Management, Underwriting, Actuarial, Claims and other internal teams.
• Assist with the preparation, coordination, and implementation of state insurance rate and rule filings through SERFF.
• Research state insurance regulations and assist with regulatory inquiries, compliance reviews, and market conduct examination requests.
• Partner with Marketing, Claims, Underwriting, IT, Finance, and other departments to evaluate product performance and implement improvements.
• Identify opportunities to improve profitability, operational efficiency, and the customer and agent experience through data-driven recommendations.
• Utilize analytical tools, automation, and AI-powered technologies to streamline reporting and improve business insights.
• Prepare presentations and communicate findings and recommendations to Product Management and senior leadership.
• Assist with evaluating new market opportunities, product enhancements, and potential state expansion initiatives.

Requirements

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Statistics, or a related field preferred. Advanced degree is a plus.
• Minimum 3–5 years of experience in the property and casualty insurance industry required.
• Experience in personal auto insurance, product analysis, pricing, underwriting analytics, actuarial support, or insurance reporting is strongly preferred.
• Strong analytical, quantitative, and problem-solving skills with exceptional attention to detail.
• Experience working with insurance performance data, including loss ratios, premium, retention, rate changes, and profitability metrics.
• Proficiency in Microsoft Excel and the ability to analyze large datasets and develop meaningful reports.
• Experience with SQL, Power BI, Tableau, or other data analysis and visualization tools is a plus.
• Interest in leveraging emerging technologies and AI tools to improve analytical efficiency and business performance.
• Familiarity with insurance rate filings, state regulations, SERFF, or product development processes is a plus.
• Strong written and verbal communication skills, including the ability to explain analytical findings to non technical audiences.
• Ability to manage multiple priorities, meet deadlines, and collaborate effectively across departments.

Benefits:

AFIC offers a competitive salary and a comprehensive benefits package to support you

• Competitive Salary: Rewarding your expertise and experience
• Bonus Potential: Based on experience
• Financial Security: 401K with up to a 6% company match
• Health & Wellness: Choice of Blue Cross Blue Shield PPO, HMO, or HSA plans, Dental and vision coverage, Access to telemedicine services
• Growth/Stability: Over 12 consecutive years of profitable growth, financial strength confirmed by A+ Superior rating by A.M. Best
• Work-Life Balance: Monday-Friday, 8 am-5 pm CST (Hybrid Schedule)
• Holidays: At Least 6 Paid Holidays
• Paid Time Off (PTO): PTO that can be used for vacation, personal, or sick time
• Personal Days: Separate personal days for sickness, family needs, appointments or personal matters
• Employee Recognition: We celebrate work milestones to show appreciation for your contributions
• Professional Growth: Work with industry experts, paid training, state licensing reimbursement, and opportunities for advancement
• Positive Culture: Enjoy our inclusive holiday events, employee referral bonuses, virtual team meetings, and more