Personal Lines Insurance Catastrophe Risk Product Manager

Role Overview

• Shape personal lines catastrophe risk strategy
• Define and evolve our countrywide catastrophe risk management approach
• Establish concentration risk thresholds and portfolio diversification strategies
• Translate catastrophe model insights into actionable underwriting and pricing strategies
• Lead cross-functional initiatives
• Serve as the organizational quarterback for initiatives across underwriting, actuarial, reinsurance, analytics, and product teams
• Lead complex initiatives that strengthen portfolio resilience and growth
• Align business groups on strategy and drive execution through influence and collaboration
• Drive portfolio risk management
• Monitor catastrophe exposure and total insured values across geographies and perils
• Develop strategies to manage accumulation risk and improve portfolio diversification
• Project manage implementation of underwriting guidelines, product changes, and operational controls that support risk objectives
• Turn analytics into business decisions
• Interpret catastrophe model outputs and communicate their practical implications
• Drive organizational understanding on the impacts of inflation and macroeconomic trends to our total insured values and manage insurance-to-value of the book
• Team with reinsurance, actuarial, and capital management teams to evaluate catastrophe exposure and loss volatility
• Leverage catastrophe risk capabilities
• Find opportunities to improve catastrophe risk monitoring, reporting, and decision frameworks
• Lead initiatives such as improved accumulation management tools, coastal underwriting rules, or portfolio diversification programs
• Stay ahead of Insurance industry trends related to catastrophe risk, climate impacts, and emerging modeling approaches
• Serve as a catastrophe risk subject matter expert
• Provide guidance to internal business leaders on catastrophe risk implications and portfolio management strategies
• Communicate complex risk insights clearly to leadership and cross-functional teams
• Shape strategy by defining acceptable concentration risk thresholds and determining the markers for long-term success of our personal lines property book.

Requirements

• Bachelor’s degree in business, economics, finance, risk management, or a related field (or equivalent experience)
• 8+ years of experience in personal lines insurance product management, underwriting, catastrophe risk management, or related roles
• Strong understanding of catastrophe modeling outputs and how they inform insurance pricing, underwriting, and portfolio management decisions
• Demonstrated ability to lead complex cross-functional initiatives through influence rather than direct authority
• Experience developing strategies that balance growth, profitability, and catastrophe risk exposure
• Strong analytical and financial evaluation skills with the ability to interpret complex data and translate insights into business decisions
• Ability to operate across both strategic and tactical levels of a project
• Excellent written and verbal communication skills, including the ability to explain complex concepts to diverse audiences
• Strong organizational and project leadership capabilities with experience driving initiatives from concept through execution
• Solid understanding of insurance product mechanics, underwriting strategy, and portfolio management
• Ability to travel as needed for role, including divisional / team meetings, industry events, and other in-person meetings.

Benefits

• total compensation package
• annual bonus eligibility for most roles
• 401(k) with a company match
• flexible workplace culture
• opportunities for personal and professional growth