Senior Product Manager, Homeowners - MSI
MSIWhy MSI? We thrive on solving challenges.
As a leading MGA, MSI combines deep underwriting expertise with insurer and reinsurer risk capacity to create specialized insurance solutions that empower distribution partners to meet customers’ unique needs.
We have a passion for crafting solutions for the important risks facing individuals and businesses. We offer an expanding suite of products – from fully-digital embedded renters coverage to high-value homeowners insurance to sophisticated commercial coverages, such as cyber liability and habitational property – delivered through agents, brokers, wholesalers and other brand partners.
Our partners and customers count on us to deliver exceptional service through a dedicated team that makes rapid resolutions a priority. We simplify the insurance experience through our advanced technology platform that supports every phase of the policy lifecycle.
Bring on your challenges and let us show you how we build insurance better.
The Role
We are seeking a Senior Product Manager to join our Personal Lines product team. You will be responsible for launching new products, managing day-to-day operations, and navigating the regulatory environment, evaluating and managing results.
This is a high-visibility, high-impact individual contributor role. You will work broadly across Segment Leadership, Product Strategy, Actuarial, Legal/Compliance, and Advanced Analytics to create and execute on critical initiatives. Each local market is unique, requiring your judgment on how best to adapt our franchise approach. You will have significant agency to influence MSI's future, provide guidance to senior leadership, shape reinsurance strategies, and build consensus across the MGA.
Success in this role requires deep command of the homeowner’s landscape, including product design, product build and Launching, pricing and underwriting techniques, marketplace trends, and regulatory considerations, along with a strong grasp of P&L fundamentals, CAT management metrics, and how product design choices drive financial outcomes.
Responsibilities
Manage P&L results within assigned Region, states, and product lines; ensure rate adequacy and appropriate CAT exposure management
Build and launch new products and work with State departments to unsure approval
Own and drive the rate and rule revision process end-to-end: confirming scope and timelines, preparing regulatory filings, coordinating with vendors, responding to regulator inquiries, and implementing approved changes
Conceptualize and bring new initiatives to market in support of growth and profit goals, including new products, coverages, endorsements, and geographies
Partner with Actuarial and Analytics teams to apply quantitative techniques to assess state-level profitability, uncover opportunities, and make recommendations for improvement
Review competitor filings, rate algorithms, and underwriting guidelines, along with industry and regulatory developments, to inform product launches and enhancements
Implement underwriting rules as directed at achieving business goals
Provide thought leadership to Segment Leaders to help refine go-to-market strategies and product positioning
Set and maintain clear priorities across competing product initiatives to execution sequencing that reflects business impact
Provide mentorship and coaching to junior team members to build organizational capability
Qualifications
8+ years of P&C insurance experience, with deep expertise in personal homeowner’s product management
Demonstrated P&L ownership across multiple states and product lines, including ratemaking, underwriting, product design, and regulatory affairs
Track record of launching new products, coverages, or endorsements, or entering new territories
Intermediate to advanced proficiency in Microsoft Excel; ability to perform hands-on quantitative analysis
Preferred
Familiarity with E&S property products in addition to admitted homeowners
Experience in the California admitted homeowners’ markets
Experience with SQL, SAS, R, Python, Tableau, or other data query and programming tools
Master’s degree in business, Insurance, or Actuarial Science, or a relevant professional designation
Skills and Qualities
Entrepreneurial mindset: acts as a thought-partner across the organization to design new product entry strategies; comfortable working with agile teams to develop and launch solutions
Structured, analytical thinking breaks down complex problems into component parts, assesses them quantitatively, and quickly translates findings into actionable recommendations
Clear communication and interpersonal skills: ability to communicate effectively and succinctly at all levels of the organization; builds inclusive and engaging environments
Adaptability: thrives in a fast-paced, remote-first culture; comfortable managing multiple parallel workstreams and making sound decisions under uncertainty
Self-motivated with strong work ethic: high-energy individual who functions well in a performance-driven environment and consistently meets deadlines
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