VP Product Personal Lines

DUAL North America, Inc.; Northern (KY); Hybrid; USD 95,000 - 140,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Unlimited PTO

401k with company match

Volunteer days

Job summary

DUAL North America is seeking a Personal Lines Product Manager to lead the strategic development, pricing, and profitability of homeowners, renters, and related products. You will guide the product lifecycle from market analysis through implementation, working with underwriting, actuarial, claims, IT, and marketing.

The role requires 5+ years in personal lines, strong analytical skills, and experience with carriers/MGAs.

Qualifications

• Bachelor’s degree in business, finance, insurance, economics, or a related field.
• 5+ years of experience in personal lines insurance, preferably in product management, underwriting, actuarial, or portfolio management.
• Strong understanding of personal lines insurance products, underwriting principles, pricing, and profitability.
• Experience working with insurance carriers, MGAs, or other property & casualty organizations.
• Strong analytical and problem-solving skills.
• Ability to interpret insurance performance data and translate analysis into actionable business decisions.
• Strong project management and cross-functional leadership skills.
• Excellent written and verbal communication skills.
• Proficiency with Microsoft Excel and other analytical/business intelligence tools.

Responsibilities

• Develop and execute product strategies for personal lines products such as homeowners, renters, and condo.
• Identify opportunities for new products, coverage enhancements, and market expansion.
• Perform competitive and market analysis for pricing, coverage, and distribution.
• Manage product lifecycle from development to retirement and coordinate with IT and Operations.
• Monitor product performance using key metrics and drive improvements.
• Collaborate with Underwriting, Actuarial, and Compliance to ensure regulatory alignment.
• Lead cross-functional initiatives and train partners on product usage and positioning.
• Work with Distribution and Marketing to strengthen product positioning and channel strategy.

Skills

Product strategy

Cross-functional leadership

Analytical thinking

Communication

Education

Bachelor's degree (business/finance/insurance/economics)

Tools

Excel

BI tools

Job description

At DUAL North America

our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key.

Classification: Exempt/Full-time Reports to: Chief Personal Lines Officer Travel: 0-10%

Role Overview

The Personal Lines Product Manager is responsible for the strategic development, management, and profitability of the company’s personal lines insurance products. This role leads the product lifecycle from market analysis and product design through implementation, monitoring, and ongoing optimization. The Product Manager works closely with Underwriting, Actuarial, Claims, Operations, Distribution, Compliance, IT, and Marketing to ensure products are competitive, appropriately priced, operationally effective, and aligned with the company’s overall business strategy.

Key Responsibilities

• Product Strategy & Development

  Develop and execute product strategies for personal lines products, including homeowners, renters, condominium, dwelling fire, and other relevant products.

  Identify opportunities for new products, coverage enhancements, endorsements, and market expansion.

  Conduct competitive and market analysis to identify pricing, coverage, underwriting, and distribution opportunities.

  Manage the product lifecycle, including product development, implementation, enhancement, and retirement.

  Develop business cases and recommendations for new products and product changes.

• Product Performance & Profitability

  Monitor product performance using key metrics including written premium, growth, retention, loss ratio, frequency, severity, rate adequacy, and profitability.

  Identify trends and recommend corrective actions to improve underwriting results.

  Partner with Actuarial to evaluate rate indications, pricing adequacy, segmentation, and underwriting profitability.

  Establish and monitor product-level goals and performance targets.

  Analyze geographic, peril, customer, and distribution-channel performance to identify opportunities and emerging risks.

• Underwriting & Risk Management

  Partner with Underwriting to establish and refine eligibility rules, underwriting guidelines, risk segmentation, and appetite.

  Evaluate emerging risks and their potential impact on personal lines portfolios.

  Recommend changes to underwriting rules and guidelines based on portfolio performance and market conditions.

  Work with catastrophe modeling and risk management teams to understand exposure and accumulation issues.

• Regulatory & Compliance

  Work with Compliance and Legal to ensure products and product changes meet applicable state and federal requirements.

  Support regulatory filings and approvals, including rates, rules, forms, and underwriting changes.

  Monitor regulatory and legislative developments that may affect personal lines products.

  Ensure product documentation and underwriting practices remain compliant across applicable jurisdictions.

• Implementation & Cross-Functional Leadership

  Serve as the primary business owner for personal lines products.

  Lead cross-functional product initiatives from concept through implementation.

  Develop product requirements and coordinate with IT and Operations on system enhancements.

  Partner with Distribution and Marketing to develop product positioning.

  Provide training and product guidance to underwriting, agency, and distribution partners.

  Coordinate implementation timelines, testing, rollout, and post-implementation reviews.

• Market & Distribution Management

  Monitor competitors, market conditions, consumer trends, and regulatory changes.

  Partner with agency and distribution teams to understand market needs and producer feedback.

  Identify opportunities to improve agent experience, customer value, and product competitiveness.

  Evaluate product performance by distribution channel and recommend changes where appropriate.

Key Requirements

• Bachelor’s degree in business, finance, insurance, economics, or a related field.

• 5+ years of experience in personal lines insurance, preferably in product management, underwriting, actuarial, or portfolio management.

• Strong understanding of personal lines insurance products, underwriting principles, pricing, and profitability.

• Experience working with insurance carriers, MGAs, or other property & casualty organizations.

• Strong analytical and problem-solving skills.

• Ability to interpret insurance performance data and translate analysis into actionable business decisions.

• Strong project management and cross-functional leadership skills.

• Excellent written and verbal communication skills.

• Proficiency with Microsoft Excel and other analytical/business intelligence tools.

Preferred Qualifications

• CPCU, CIC, ARM, or other insurance designation.

• Experience with homeowners and/or personal auto products.

• Experience with insurance product filings and regulatory requirements.

• Experience with catastrophe-exposed property portfolios.

• Familiarity with predictive analytics, insurance scoring, geospatial analytics, and catastrophe modeling.

• Experience working in an MGA or entrepreneurial insurance environment.

What we offer

A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.

EEO Statement

We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we're a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long-term, minority growth-equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.