产品专家 – 财产索赔
Product SME – Property Claims
Assured致力于革新保险行业。理赔处理（即我们是否应该支付这笔索赔？）虽然常常被忽视，却是整个行业的基础。目前，这一过程高度依赖人工，涉及电话、传真和直觉判断，每年耗费数十亿美元。我们可以做得更好。
在Assured，我们为大型保险公司提供他们需要的软件解决方案，以在技术驱动的现代世界中取得成功。从自助理赔软件到后端欺诈检测，我们是为全球最大的保险公司之一提供理赔处理支持的引擎。
我们面临的挑战深刻而多样，从创建在客户最紧张和脆弱时提供舒适和清晰体验的数字体验，到在数十亿美元理赔支付上协调大规模的机器学习驱动决策，Assured的生活充满活力、协作和回报。
Assured Insurance Technologies正在寻找一位产品专家（Product SME）来领导对整个财产理赔流程的全面评估。该职位将专注于理解理赔从首次损失通知（FNOL）到解决的全过程，决策和记录的方式，数据在系统之间的流动方式，以及操作和产品改进如何显著影响周期时间、准确性、客户体验和财务表现。
该职位位于产品、工程和分析的交叉点，期望能带来对公司范围内的重大影响。
### 什么是你将要做的……
🔍 **对财产理赔生命周期进行端到端的审查**
审视完整的理赔旅程——首次损失通知（FNOL）接收、检查、保险责任评估、损失原因确定、范围和估算制定、准备金、供应商协调、结算和关闭，识别摩擦点和自动化机会。
🧠 **深入了解财产理赔决策的机制及数据支持**
了解理赔员依赖的信息（检查报告、照片/视频、承包商报价、保单数据、天气数据、第三方报告），这些信息在系统中是如何结构化的，以及哪里存在缺口或低效之处。
🧩 **识别理赔工作流和文档中的问题**
揭示数据采集中的不一致、估算准确性、准备金一致性、供应商交接、任务路由、审批、客户沟通或下游报告中影响理赔结果的问题。
✅ **负责跨系统的核心理赔数据的完整性**
查看英文原文
Assured is on a mission to modernize insurance. Claims processing (i.e. should we pay this claim?), while often overlooked, is the foundation of the entire industry. It’s currently highly manual, involving phone calls, faxes, and gut instinct, costing tens of billions of dollars a year. We can do better.
At Assured, we provide large insurers with the software solutions they need to win in a modern, technology-driven world. From self-service claim-filing software to backend fraud detection, we’re the engine that powers claims processing for some of the largest insurers in the world.
The challenges we face are deep and diverse, from creating digital experiences that provide comfort and clarity to claimants at their most stressed and vulnerable to orchestrating large-scale ML-driven decision-making on billions of dollars of claims payments, life at Assured is dynamic, collaborative, and rewarding.
Assured Insurance Technologies is seeking a Product SME to lead a comprehensive evaluation of the end-to-end property claims process **.** This role will focus on understanding how claims move from First Notice of Loss (FNOL) through resolution, how decisions are made and documented, how data flows across systems, and where operational and product improvements can meaningfully impact cycle time, accuracy, customer experience, and financial performance.
This role sits at the intersection of Product, Engineering, and Analytics and is expected to drive meaningful, company-wide impact.
### **What you’ll do…**
🔍 **Conduct an end-to-end review of the property claims lifecycle**
Examine the full claim journey—FNOL intake, inspection, coverage evaluation, cause of loss determination, scope and estimate development, reserving, vendor coordination, settlement, and closure—identifying friction points and opportunities for automation.
🧠 **Develop deep expertise in how property claims decisions are made and supported by data**
Understand what information adjusters rely on (inspection reports, photos/videos, contractor estimates, policy data, weather data, third-party reports), how it is structured in the system, and where gaps or inefficiencies exist.
🧩 **Identify breakdowns in claim workflow and documentation**
Surface inconsistencies in data capture, estimate accuracy, reserve alignment, vendor handoffs, task routing, approvals, customer communications, or downstream reporting that impact claim outcomes.
✅ **Own the integrity of core claims data across systems**
Ensure key indicators (coverage determination, cause of loss, damage scope, reserve position, estimate accuracy, settlement status) are accurately captured and consistently reflected across product, operational, and financial views.
📐 **Define standards for claims quality and defensibility**
Establish expectations for inspection quality, documentation rigor, estimate accuracy, decision rationale, reserve adequacy, and alignment between damage assessments and financial outcomes.
🤝 **Partner cross-functionally to resolve systemic issues**
Collaborate with Product, Engineering, Claims Operations, Analytics, and Leadership to address root causes impacting claim efficiency, estimate accuracy, vendor performance, and customer experience.
🛠️ **Improve both inputs and outputs across the claims process**
Enhance how property damage data is collected (e.g., inspections, imagery, estimates) and structured, and improve how insights are delivered through dashboards, reporting, automation workflows, and AI models.
📊 **Translate insights into measurable product improvements**
Prioritize enhancements that reduce cycle time, improve loss ratio performance, minimize leakage, strengthen reserving accuracy, improve customer satisfaction, and increase operational efficiency.
🧭 **Influence roadmap decisions with financial and operational context**
Clearly articulate business impact across indemnity spend, expense management, vendor costs, subrogation recovery, litigation exposure, adjuster productivity, and customer retention.
🎓 **Serve as the internal subject-matter expert on the property claims lifecycle**
Guide best practices for inspections, scoping and estimating, vendor coordination, documentation standards, and automation opportunities.
🤜🤛 **Align teams around consistent process standards**
Partner across Claims, Product, Engineering, Finance, and Customer Success to ensure shared understanding and disciplined execution.
🗣️ **Communicate clearly across audiences**
Present findings and recommendations effectively to both technical and non-technical stakeholders.
### **You have…**
💼 Prior experience working at a major carrier as a **property claims adjuster** (field or desk)
🧾 Deep understanding of the end-to-end **property claims process within P&C** (including inspections, scoping, estimating, and settlement)
🔗 Experience working closely with product, engineering, data, and operational teams
🧠 Proven ability to assess complex workflows and identify high-impact improvements
🚀 Comfort owning ambiguous, high-leverage initiatives with measurable financial impact
✍️ Strong written and verbal communication skills
**Benefits:**
🤑 Competitive Compensation: Competitive salary and equity packages for all employees
🏥 Healthcare Plan: Platinum medical, dental, and vision
🛡️ Free life insurance: Including long-term disability & short-term disability
🏄 Unlimited PTO: Uncapped vacation days & paid holidays
👶 Family Leave: Maternity & paternity
📈 401(k) Contribution: Assured contributes 3% of your income, even if you don't contribute
🏠 WFH Benefits: Lunch on us 2x/week, monthly phone stipend & other home office perks
👪 Health FSAs & HSAs: Pre-tax accounts for out-of-pocket medical expenses
🤝 Team events & Offsites: We're remote, but we regularly get together
****We have been made aware of individuals falsely posing as recruiters from Assured Insurance Technologies Inc. Please note that we only contact candidates from official @** [**assured.claims**](http://assured.claims) **email addresses and all interviews are conducted through verified company channels. If you are unsure whether a message is legitimate, please contact us directly at recruiting-ops@assured.claims before sharing any personal information****
**Our Commitment:**
_We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Please contact us to request accommodation._