产品专家 – 汽车理赔
Product SME – Auto Claims
Assured 正在致力于现代化保险行业。理赔处理（即我们是否应该支付这笔索赔？）虽然经常被忽视，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软件解决方案，帮助他们在技术驱动的现代世界中取得成功。从自助理赔提交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核心引擎。
我们面临的挑战深刻而多样，从为处于压力和脆弱状态的理赔人创造舒适清晰的数字体验，到在数十亿美元的理赔支付上协调大规模的机器学习驱动决策。在 Assured 的生活充满活力、协作性强且富有成就感。
Assured Insurance Technologies 正在寻找一名 **产品专家**，负责全面评估整个汽车理赔流程。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，了解决策是如何做出并记录的，数据如何在系统间流动，以及哪些运营和产品改进可以显著影响周期时间、准确性、客户体验和财务表现。
该职位位于产品、工程和分析的交汇点，期望能带来对公司范围内的重大影响。
### **你将负责…**
🔍 **对汽车理赔生命周期进行全面审查** 检查完整的理赔旅程；首次损失通知的接收、调查、保障评估、责任评估、损害审查、准备金、谈判、和解及结案，识别摩擦点和自动化机会。
🧠 **深入掌握理赔决策的机制及其数据支持** 了解理赔员依赖的信息（陈述、车载数据、警方报告、照片、维修报价、医疗记录、保单数据），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。
🧩 **识别理赔流程和文档中的问题** 显现数据采集中的不一致、准备金对齐、任务路由、交接、审批流程、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** 确保关键指标（保障状态、责任立场、损害暴露）的准确性和一致性。
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 auto 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 auto claims lifecycle** Examine the full claim journey; FNOL intake, investigation, coverage evaluation, liability assessment, damages review, reserving, negotiation, settlement, and closure, identifying friction points and opportunities for automation.
🧠 **Develop deep expertise in how claims decisions are made and supported by data** Understand what information adjusters rely on (statements, telematics, police reports, photos, repair estimates, medical documentation, policy data), 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, reserve alignment, task routing, handoffs, approval processes, customer communications, or downstream reporting that affect claim outcomes.
✅ **Own the integrity of core claims data across systems** Ensure key indicators (coverage status, liability stance, damages exposure, reserve position, settlement status) are accurately captured and consistently reflected across product, operational, and financial views.
📐 **Define standards for claims quality and defensibility** Establish expectations for documentation rigor, decision rationale, reserve accuracy, communication clarity, and alignment between investigation findings 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, accuracy, and customer experience.
🛠️ **Improve both inputs and outputs across the claims process** Enhance how evidence and claim information are collected, structured, and surfaced to 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, subrogation recovery, litigation exposure, adjuster productivity, and customer retention.
🎓 **Serve as the internal subject-matter expert on the auto claims lifecycle** Guide best practices for claim handling, documentation standards, investigation quality, 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 claims adjuster
🧾 Deep understanding of the end-to-end auto claims process within P&C
🔗 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._