Associate State Product Manager - Personal Lines

Nationwide•Des Moines, IA

6d•Onsite

About The Position

This role supports the development and execution of state-specific business strategies for the Personal Lines portfolio, aiming to achieve top and bottom-line performance goals aligned with enterprise objectives. Working under the guidance of a State Manager, this position assists in implementing processes for financial planning, rate reviews, market development, and communication. The Associate State Manager contributes to strategic alignment by providing analytical insights, preparing planning documents, and coordinating initiatives that support pricing, underwriting appetite, product structure, and distribution strategies. This role is crucial for supporting operating plans that achieve P&L objectives, including combined ratio, revenue growth, regulatory management, and legal compliance. Success requires strong analytical skills, curiosity, and the ability to translate data into actionable insights to maintain state strategies as relevant, competitive, and profitable.

Requirements

Bachelor’s degree in insurance, actuarial science, mathematics, risk management, economics, finance, accounting, business administration or related field preferred.
Six years of experience in underwriting or product preferred.
Cross-functional experience from other areas and experience with data analysis preferred.
Knowledge of core business functions and detailed knowledge of commercial lines insurance products and pricing architecture, state regulations, underwriting procedures and standard methodologies.
Solid understanding of financials, trend analysis and competitor data.
Proficiency in analytical tools, relational databases, data visualization techniques, query-based language and/or statistical software experience preferred.
Ability to communicate effectively, both verbally and in writing to present information, communicate and influence internal and external partners at all levels.
Must be skilled in the use of related systems and analytical tools.
Ability to work towards results, deal with ambiguity, solve problems, learn on the job, make quality decisions, see trends and patterns within data.
Ability to lead projects, opposing priorities, timelines and resources to complete work.

Nice To Haves

P&C industry experience preferred in State Management
Progress toward or completion of CPCU, AU CIC, INS ARM, Actuarial exams or similar designations preferred.

Responsibilities

Support State Manager in executing state strategies by assisting with financial planning, rate reviews, and market development initiatives.
Prepare and analyze reports on product performance, pricing, underwriting trends, and market dynamics to identify risks and opportunities.
Assist in developing planning documents and review materials for monthly and quarterly state performance meetings.
Integrate competitive intelligence into recommendations that inform pricing and product positioning.
Collaborate with cross-functional teams (Marketing, Operations, Claims, Pricing, Underwriting, Legal, IT, Product Development) to ensure timely execution of initiatives.
Coordinate and track project timelines to support speed-to-market for updates and enhancements.
Communicate findings and recommendations effectively to State Manager and stakeholders, adjusting approach based on audience.
Develop foundational knowledge of assigned state markets and competitor strategies to support decision-making.
Participate in professional development and mentorship opportunities, building skills for future leadership roles.
May perform other responsibilities as assigned.