高级产品经理 - 多产品线（远程美国常驻）
Senior Product Manager - Multiline (Remote US Residency)
职位描述：
这是一次令人兴奋的机会，为有经验的商业财产和责任保险专业人士提供塑造产品策略、推动新市场开发，并在多线业务环境中影响有意义的产品创新。在此职位中，高级产品经理作为值得信赖的技术承保专家，帮助识别机会、加强现有产品并支持全公司范围的最佳实践。该职位与各业务单元和线业务合作，为复杂的项目带来一致性、洞察力和战略方向，同时领导高影响力的流程改进，以支持增长、盈利和长期业务成功。
主要职责和任务：
- 识别、评估和管理问题市场、承保趋势、监管变化和新兴问题；提供报告和建议以支持盈利增长和稳健的承保实践。
- 分析当前和潜在的业务书，包括超出业务单元授权限额的账户，并根据需要就定价、计划和风险选择提出建议。
- 制定、实施和监控部门的承保政策、程序、工作流程、质量控制标准和治理实践，以在运营单位之间促进一致性和最佳实践。
- 识别改进机会，评估部门的计划和项目，并与管理层合作以加强流程、效率和执行。
- 在业务单元和部门层面开发和提供培训、计划和演示。
- 作为技术承保专家和顾问，为承保、产品管理、业务单元和其他利益相关者提供承保问题、审计问题、协会查询和相关业务关注点的建议。
- 与企业运营单位合作，支持成本控制策略、承保尽职调查任务、委员会和批准的企业计划。
- 领导新市场和产品开发工作，包括商业案例、白皮书、机会设计、实施计划以及多线商业保险的跨职能协调。
- 撰写、开发和实施新产品、组织实践、承保指南和新计划和产品的授权信，适用于多线商业保险领域。
- 评估复杂的再保险结构和条款 within p
查看英文原文
SUMMARY:
This is an exciting opportunity for a seasoned commercial property and casualty professional to shape product strategy, drive new market development, and influence meaningful product innovation across a multi-line environment. In this role, the Senior Product Manager serves as a trusted technical underwriting expert, helping identify opportunities, strengthen existing products, and support enterprise-wide best practices. This position partners across business units and lines business to bring consistency, insight, and strategic direction to complex initiatives, while leading high-impact process improvements that support growth, profitability, and long-term business success.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Identifies, evaluates and manages problem markets, underwriting trends, regulatory changes and emerging issues; provides reports and recommendations to support profitable growth and sound underwriting practices.
- Analyzes current and potential books of business, including accounts above business unit authority limits, and makes recommendations on pricing, programs and risk selection as needed.
- Develops, implements and monitors divisional underwriting policies, procedures, workflows, quality control standards and governance practices to promote consistency and best practices across operating units.
- Identifies improvement opportunities, evaluates departmental programs and projects, and partners with management to strengthen processes, effectiveness and execution.
- Develops and delivers training, programs and presentations at the business unit and divisional level.
- Serves as a technical underwriting expert and advisor to Underwriting, Product Management, business units and other stakeholders on underwriting questions, audit issues, bureau inquiries and related business concerns.
- Collaborates with enterprise operating units to support cost containment strategies, underwriting due diligence assignments, committees and approved enterprise initiatives.
- Leads new market and product development efforts, including business cases, white papers, opportunity design, implementation planning and cross-functional coordination for multiple commercial lines of insurance.
- Drafts, develops and implements new products, organizational practices, underwriting guidelines and letters of authority for new programs and products within the multi-line commercial insurance arena.
- Evaluates complex reinsurance structures and clauses within proportional and non-proportional treaty and facultative reinsurance policies.
- Conducts policy wording reviews for renewals to ensure compliance with underwriting guidelines.
- Maintains a clear understanding of business requirements and applies expert product knowledge throughout the functional design process, including requirements documentation and technology liaison support.
- Supports market intelligence initiatives, special projects and other assignments as needed while maintaining confidentiality of all information processed.
EDUCATION AND EXPERIENCE:
- Bachelor’s degree in Insurance, Business, Math, Finance, or a related field required.
- Progress towards, or completion of, industry-recognized professional designations (i.e., CIC, AU, CPCU) preferred.
- Combinations of relevant education and experience may be considered in lieu of a degree. Continuous learning, as defined by the Company’s learning philosophy, is required.
- Minimum ten years of commercial property and casualty multi-line underwriting, and product management/development experience with demonstrated technical knowledge with both small and large accounts, or equivalent experience that provides the necessary skills, knowledge and abilities; or any combination of education and experience that would provide an equivalent background.
- Two years of experience with the Enterprise as a Corporate Underwriting Consultant or equivalent experience which provides the necessary skills, knowledge and abilities required.
- Residency in Eastern and Central Time Zones encouraged/preferred.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
OTHER SKILLS AND ABILITIES:
- Extensive commercial property and casualty underwriting knowledge with strong multi-line experience, including underwriting techniques, occupational classification codes, loss ratios, claims histories, retention plans, scheduled credits and other methods used to acquire and retain profitable business.
- Experience in insurance product development, product ideation, market strategy, market research or risk management.
- Ability to build enterprise multi-line capabilities and implement new product offerings within technology platforms.
- Experience working with insurance-related regulatory and governing bodies.
- Sound judgment in evaluating commercial property and casualty risks and determining whether to accept or reject risks for insurance coverage.
- Ability to read, write, analyze and interpret policy documents, policy language, technical and financial information, and procedure manuals.
- Strong analytical skills with the ability to identify improvement needs, develop solutions and perform necessary mathematical computations.
- Excellent verbal and written communication skills, including the ability to exchange information clearly, present ideas, report facts and respond to questions effectively.
- Strong interpersonal, negotiation and relationship-building skills with the ability to maintain productive partnerships.
- Ability to manage multiple projects, meet deadlines with minimal direction and make competent independent decisions.
- Proficiency with computers, Microsoft Windows, Microsoft Word and spreadsheet applications.
- Ability to maintain confidentiality and perform assignments at locations outside the office as needed.
ADDITIONAL INFORMATION
The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description does not constitute a contract for employment.
WORKING CONDITIONS:
Work is performed in a virtual office setting with no unusual hazards. Travel is required, with some occasional overnight stays. Must possess a valid driver's license with a record that meets corporate standards.
Pay Range - Actual compensation decision relies on the consideration of internal equity, candidate’s skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $120,000 and $195,000.
We are an Equal Opportunity Employer. We will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract.
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Originally posted on Himalayas