Product Manager, Personal Lines Homeowners - MSI

The Baldwin Group

8d • Remote

About The Position

MSI is seeking a Product Manager to join its Personal Lines Homeowners product team. The role owns a portfolio of assigned states, overseeing day-to-day product operations, P&L results, and regulatory processes while partnering across the organization to launch and enhance products.

This high-visibility individual contributor position works closely with Segment Leadership, Product Strategy, Actuarial, Legal/Compliance, Underwriting, and Advanced Analytics. The Product Manager adapts the company's approach to the distinct requirements of local markets. Success requires understanding homeowners product design, pricing and underwriting techniques, marketplace trends, regulatory considerations, P&L fundamentals, catastrophe management metrics, and how product decisions affect financial outcomes. Senior product leaders provide support, with opportunities to expand the role's scope as market expertise grows. The position involves 10% travel as needed.

Requirements

• At least 3 years of P&C insurance experience in product management, underwriting, pricing, or a related role, with exposure to personal lines homeowners.
• Experience supporting or managing P&L results, rate revisions, or regulatory filings for one or more states.
• Working knowledge of homeowners ratemaking, underwriting, product design, and the state filing process.
• Intermediate to advanced proficiency in Microsoft Excel and ability to perform hands-on quantitative analysis.
• Bachelor's degree in business, finance, mathematics, economics, risk management/insurance, or a related field, or equivalent experience.
• Ownership mindset and ability to take accountability for assigned states, follow issues through to resolution, and work with agile teams to develop and launch solutions.
• Structured, analytical thinking, including the ability to break down complex problems, assess them quantitatively, and translate findings into actionable recommendations.
• Clear communication and interpersonal skills, including effective communication at all organizational levels and ability to build inclusive working relationships.
• Adaptability in a fast-paced, remote-first culture, with the ability to manage parallel workstreams and make sound decisions under uncertainty.
• Self-motivation, strong work ethic, ability to perform in a performance-driven environment, and consistent deadline management.
• Eagerness to learn, seek feedback and coaching, and build expertise quickly.

Nice To Haves

• Direct experience owning P&L results and leading filings across multiple states.
• Experience launching new products, coverages, or endorsements, or entering new territories.
• Familiarity with E&S property products in addition to admitted homeowners.
• Experience with SQL, SAS, R, Python, Tableau, or other data query and programming tools.
• Progress toward a professional designation such as CPCU, AINS, API, or similar.

Responsibilities

• Manage P&L results within assigned states and product lines; monitor rate adequacy, loss trends, and catastrophe exposure, and recommend corrective actions.
• Own the end-to-end rate, rule, and form revision process for assigned states, including confirming scope and timelines, preparing regulatory filings, coordinating with vendors, responding to regulator inquiries, and implementing approved changes.
• Support the development and launch of new products, coverages, endorsements, and geographies, including working with state Departments of Insurance to secure approval.
• Partner with Actuarial and Analytics teams to assess state-level profitability, identify opportunities, and develop data-driven recommendations for improvement.
• Review competitor filings, rate algorithms, and underwriting guidelines, as well as industry and regulatory developments, to inform product enhancements.
• Implement underwriting rules and guideline changes directed at achieving business goals.
• Prepare and present state and product performance reviews to Segment Leadership and senior product leaders.
• Prioritize and sequence competing product initiatives for assigned states based on business impact.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level