Personal Insurance Product Director, State Management - North Carolina

The Hartford•Charlotte, NC

About The Position

The Hartford’s Personal Insurance State Product organization is seeking a product management leader to oversee Auto, Home, and Umbrella profit-and-loss results in assigned states. The role develops and executes a strategic vision for sustainable growth while maintaining target margins, manages state-level planning and budgets, and delivers product and pricing enhancements in a regulated environment. The position partners with Underwriting, Sales, Marketing, and other organizations to grow profitable customer segments. The role may be filled at the Director or Assistant Director level, with the title aligned to the selected candidate’s experience, leadership background, and qualifications. Familiarity with North Carolina and related experience is a plus. The position reports to the Southeast Region Lead. It can be performed on a hybrid or remote schedule. Employees living near an office are expected to work onsite three days a week, Tuesday through Thursday; those who do not live near an office work remotely and are expected to visit an office as business needs arise.

Requirements

At least 7 years of experience in the property and casualty insurance industry, including at least 5 years in Product or P&L Management.
Strong understanding of Personal Insurance products, coverages, and Direct-to-consumer and Agency distribution channels.
Excellent analytical and problem-solving skills, with strong business and financial acumen.
Familiarity with financial statements, including income statements, 10-Ks, and annual statements, and actuarial concepts such as indications, loss development, and credibility.
Familiarity with data and database procedures such as SQL.
Advanced knowledge of Microsoft Office tools, such as Excel and PowerPoint.
Strong presentation, storytelling, and executive communication skills, including the ability to create concise, influential content and visuals.
Excellent relationship management skills and ability to collaborate to drive results.
Demonstrated ability to challenge the status quo and influence stakeholders to drive change and innovation.
Ability to make evidence-based decisions quickly with imperfect information.
Knowledge of local marketplaces, including state-specific regulations and filing requirements.

Nice To Haves

Experience in pricing, underwriting, or data and analytics.
Familiarity with North Carolina and related experience.
Bachelor’s degree preferred.

Responsibilities

Deliver topline growth at target margins across Direct and Agency distribution channels in assigned states.
Identify business opportunities and strategic growth options, and influence partner organizations to grow profitable customer segments and improve underperforming cells.
Manage state-level rate levels, class plan segmentation, coverage offerings, and regulatory compliance for Auto, Home, and Umbrella products.
Establish state operating budgets and regularly report results to senior management.
Develop an understanding of local markets and regulatory requirements to create competitive advantages in each state.
Identify drivers of poor performance and implement pricing or product changes to improve results.
Elevate state issues to Auto and Home Line teams, assess multistate impacts, and provide thought leadership on countrywide initiatives.
Deploy countrywide pricing or product standing orders in assigned states, making state-specific adjustments as needed.
Monitor assigned states and present key results to senior leaders.
Set expectations for the financial impacts of pricing or product changes, identify deviations, and develop action plans to return growth and profit metrics to target.
Communicate key information clearly and concisely to executive audiences.