Sr State Product Analyst

Jobgether; United States; Remote; USD 70,000 - 129,000; Full time

Benefits offered by this job

Competitive salary with full benefits

Comprehensive health, dental and life

Retirement plan with employer matching

Paid time off and holidays

Remote work across lower 48 states

Job summary

Jobgether is seeking a Sr State Product Analyst in the United States to drive state-level product strategy and profitable growth in personal lines insurance. You will partner with State Managers to analyze financial performance, monitor market trends, and translate data into actionable recommendations for strategic decisions.

You will support rate revisions, track KPIs, and contribute to quarterly forecasting while coordinating across functions.

Qualifications

• Bachelor's degree in related field preferred.
• At least 3 years in property and casualty (P&C) insurance or related field.
• Progress toward CPCU, AU, CIC, INS, ARM, actuarial exams or equivalent preferred.
• Knowledge of analytical tools, underwriting methods and performance measurement.
• Strong with Microsoft Office and financial analysis/reporting software.
• Ability to translate data into practical recommendations.

Responsibilities

• Analyze financial performance and market trends to inform state strategies.
• Support rate revisions with documentation and evaluations.
• Review competitor filings and gather market intelligence.
• Consolidate and communicate competitor information for pricing strategies.
• Review monthly P&L with State Managers to identify variances and trends.
• Monitor progress toward financial and business objectives, including CR/LR and retention.
• Identify opportunities and recommend strategic adjustments for growth.
• Partner with State Managers to implement state-specific profitability plans.
• Monitor insurance quoting activity, conversion rates, and product effectiveness.
• Prepare financial info for quarterly state forecasting and planning.
• Ensure source data is correctly reflected in reporting and recommendations.
• Coordinate cross-functional collaboration to support initiatives.
• Prepare standard and ad hoc reports and updates for State Management.

Skills

Data analysis

Financial analysis

Excel

Communication

Presentation skills

Stakeholder collaboration

Education

Bachelor's degree in related field

Tools

Microsoft Office

Financial analysis tools

Job description

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Sr State Product Analyst based in the United States.

As a Sr State Product Analyst, you will play an important role in supporting state-level product strategies and driving profitable growth across personal lines insurance. You will work closely with State Managers to analyze financial performance, identify emerging market trends, and develop data-driven recommendations that support strategic business decisions. Your responsibilities will include monitoring financial results, evaluating competitor activity, supporting rate revisions, and identifying opportunities to improve product performance and customer retention. You will also contribute to financial planning, forecasting, and the implementation of state-specific business initiatives. Working across multiple functions, you will translate complex data into actionable insights and communicate recommendations to key stakeholders. This remote opportunity offers the chance to contribute to meaningful business improvements within a collaborative, analytical, and customer-focused environment.

Accountabilities

• Conduct comprehensive business and financial analyses to support State Management in achieving strategic objectives, identifying performance trends, evaluating business variables, and developing actionable recommendations.
• Provide analytical support for insurance rate revisions, including participating in meetings, completing required checklists, conducting evaluations, and preparing supporting documentation.
• Review competitor insurance filings and gather market intelligence from field teams to identify pricing changes, competitive developments, and emerging market opportunities.
• Consolidate, analyze, and communicate competitor information to help inform state-level product and pricing strategies.
• Review monthly Profit and Loss (P&L) statements and other financial reports in collaboration with State Managers to identify performance variances, investigate root causes, and highlight emerging trends.
• Monitor and report on progress toward key financial and business objectives, including growth, combined ratio (CR), loss ratio (LR), and customer retention.
• Identify opportunities and recommend strategic adjustments to support sustainable and profitable business growth.
• Partner with State Managers to develop and implement state-specific strategies designed to achieve or exceed profitability and growth targets.
• Monitor financial performance, insurance quoting activity, conversion rates, and other relevant business indicators to assess product effectiveness.
• Support quarterly state forecasting reviews by preparing financial information, analyzing results, and contributing to planning discussions.
• Ensure that source data is accurately interpreted and appropriately reflected in business reporting and analytical recommendations.
• Coordinate communication and collaboration across different business functions to support effective decision-making and successful implementation of initiatives.
• Prepare standard and ad hoc reports, analyses, and business updates in response to State Management requests, ensuring timely and professional delivery.

Requirements

• Bachelor's degree in Insurance, Actuarial Science, Mathematics, Risk Management, Economics, Finance, Accounting, Business Administration, or a related discipline is preferred.
• At least 3 years of professional experience in property and casualty (P&C) insurance or a related field, with previous experience in data analysis preferred.
• Progress toward relevant professional designations or certifications is preferred, including CPCU, AU, CIC, INS, ARM, actuarial examinations, or equivalent qualifications.
• Knowledge of analytical tools, core business functions, underwriting methodologies, and performance measurement techniques.
• Basic understanding of insurance pricing, product management, marketing strategies, company operations, and insurance products.
• Strong proficiency in Microsoft Office applications and business software solutions, particularly tools used for financial analysis, reporting, and data management.
• Demonstrated ability to analyze complex datasets, identify underlying business issues, evaluate alternative solutions, and recommend the most appropriate course of action.
• Ability to interpret financial and operational performance indicators and translate findings into practical business recommendations.
• Excellent written and verbal communication skills, with the ability to collaborate effectively with internal and external stakeholders.
• Strong presentation skills and the ability to organize and communicate detailed analytical findings, business information, and recommendations clearly.
• Excellent organizational and time management skills, with the ability to prioritize competing responsibilities and manage assignments independently.
• Strong critical thinking, curiosity, attention to detail, and a proactive approach to identifying business improvement opportunities.
• Ability to work collaboratively while demonstrating sound judgment, accountability, and alignment with organizational values.

Benefits

• Competitive compensation: National salary range of $69,500 to $129,000 per year, with an expected starting salary range of $69,500 to $103,500, depending on qualifications, experience, skills, and geographic location.
• Comprehensive medical, dental, and vision insurance coverage.
• Life insurance and short-term and long-term disability coverage.
• Generous paid time off, with newly hired employees receiving a minimum of 18 days per full calendar year, prorated according to their start date.
• Nine paid company holidays each year.
• Additional paid leave, including 8 hours of Lifetime paid time off and 8 hours of Unity Day paid time off.
• 401(k) retirement savings plan with employer matching contributions.
• Company-funded pension plan to support long-term financial security.
• Remote working opportunities across eligible locations within the lower 48 United States.
• Business-casual dress environment.
• Inclusive and supportive workplace culture that values diversity, collaboration, and employee engagement.
• Opportunities to develop professionally, expand business knowledge, and contribute to strategic initiatives.

How Jobgether Works

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

Why Apply Through Jobgether?

We appreciate your interest and wish you the best!

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We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.