Personal Lines Insurance Catastrophe Risk Product Manager - Remote

CSAA Insurance Group, a AAA Insurer•Washington, DC

7d•Remote

About The Position

This role serves as the organizational lead for catastrophe risk initiatives, aligning underwriting, actuarial, reinsurance, product, and analytics teams to implement strategy. Rather than performing hands-on modeling, you will interpret model outputs and translate insights into underwriting, pricing, exposure management, and portfolio diversification strategies across our footprint. You will own specific focus areas (e.g., flood, inflation) while helping drive the company’s overall catastrophe strategy. This role sits at the intersection of catastrophe analytics, product strategy, underwriting, and capital management. You will interpret catastrophe model outputs and turn those insights into practical actions that balance growth, profitability, and risk resilience across our personal lines property portfolio. This is a unique opportunity to shape enterprise-wide catastrophe risk strategy and influence the future of personal lines property products. We are open to Product Manager levels 1–3 for this role. Leveling will be determined through the interview process.

Requirements

Bachelor’s degree in business, economics, finance, risk management, or a related field (or equivalent experience)
8+ years of experience in personal lines insurance product management, underwriting, catastrophe risk management, or related roles
Strong understanding of catastrophe modeling outputs and how they inform insurance pricing, underwriting, and portfolio management decisions
Demonstrated ability to lead complex cross-functional initiatives through influence rather than direct authority
Experience developing strategies that balance growth, profitability, and catastrophe risk exposure
Strong analytical and financial evaluation skills with the ability to interpret complex data and translate insights into business decisions
Ability to operate across both strategic and tactical levels of a project
Excellent written and verbal communication skills, including the ability to explain complex concepts to diverse audiences (e.g. proposals, PowerPoint presentation, business requirements, Microsoft project, Suite Microsoft Office)
Strong organizational and project leadership capabilities with experience driving initiatives from concept through execution
Solid understanding of insurance product mechanics, underwriting strategy, and portfolio management
Ability to travel as needed for role, including divisional / team meetings, industry events, and other in-person meetings
Applicants must have authorization to work indefinitely in the US.
Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Nice To Haves

You enjoy turning catastrophe risk insights into clear, actionable business strategy
You thrive in cross-functional leadership roles where success depends on influence, alignment, and collaboration
You are comfortable navigating both strategic portfolio decisions and operational execution
You bring curiosity about emerging catastrophe risks, climate trends, macroeconomic impacts, and evolving insurance market dynamics
CPCU and/or Actuarial exams
Actively shapes our company culture (e.g., supporting employee resource groups, mentoring employees, volunteering, joining cross-functional projects)
Champions our cultural norms (e.g., willing to have cameras when it matters: helping onboard new team members, building relationships, etc.)
Demonstrates a company ownership mindset, thinking beyond boundaries of their own area
Fulfills business needs, which may include investing extra time, helping other teams, etc.

Responsibilities

Shape personal lines catastrophe risk strategy
Define and evolve our countrywide catastrophe risk management approach
Establish concentration risk thresholds and portfolio diversification strategies
Translate catastrophe model insights into actionable underwriting and pricing strategies
Lead cross-functional initiatives
Serve as the organizational quarterback for initiatives across underwriting, actuarial, reinsurance, analytics, and product teams
Lead complex initiatives that strengthen portfolio resilience and growth
Align business groups on strategy and drive execution through influence and collaboration
Drive portfolio risk management
Monitor catastrophe exposure and total insured values across geographies and perils
Develop strategies to manage accumulation risk and improve portfolio diversification
Project manage implementation of underwriting guidelines, product changes, and operational controls that support risk objectives
Turn analytics into business decisions
Interpret catastrophe model outputs and communicate their practical implications
Drive organizational understanding on the impacts of inflation and macroeconomic trends to our total insured values and manage insurance-to-value of the book
Team with reinsurance, actuarial, and capital management teams to evaluate catastrophe exposure and loss volatility
Leverage catastrophe risk capabilities
Find opportunities to improve catastrophe risk monitoring, reporting, and decision frameworks
Lead initiatives such as improved accumulation management tools, coastal underwriting rules, or portfolio diversification programs
Stay ahead of Insurance industry trends related to catastrophe risk, climate impacts, and emerging modeling approaches
Serve as a catastrophe risk subject matter expert
Provide guidance to internal business leaders on catastrophe risk implications and portfolio management strategies
Communicate complex risk insights clearly to leadership and cross-functional teams
Shape strategy by defining acceptable concentration risk thresholds and determining the markers for long-term success of our personal lines property book