Product Manager, Personal Lines Homeowners - MSI

MSI, part of The Baldwin Group

8d • Remote

About The Position

MSI is seeking a Product Manager to join its Personal Lines Homeowners product team. This high-visibility individual contributor role owns a portfolio of assigned states, managing day-to-day product operations, P&L results, and regulatory processes while partnering across the organization to launch and enhance products. The role works closely with Segment Leadership, Product Strategy, Actuarial, Legal/Compliance, Underwriting, and Advanced Analytics. Each local market is unique, so the role requires sound judgment in adapting MSI’s franchise approach to assigned states. The position 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 the opportunity to expand scope as expertise in assigned markets grows. The role includes 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; takes accountability for assigned states and follows issues through to resolution, and is comfortable working with agile teams to develop and launch solutions.
• Structured, analytical thinking; can break down complex problems, assess them quantitatively, and translate findings into actionable recommendations.
• Clear communication and interpersonal skills, including communicating effectively at all organizational levels and building inclusive, engaging working relationships.
• Adaptability in a fast-paced, remote-first culture; able to manage multiple parallel workstreams and make sound decisions under uncertainty.
• Self-motivated, strong work ethic, high energy, and ability to work in a performance-driven environment and consistently meet deadlines.
• Eagerness to learn, seek feedback and coaching from senior product leaders, and build expertise quickly.
• Able to travel 10% as needed.

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 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, underwriting guidelines, and 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