Analyze product and portfolio P&L, including earned premium, loss ratios, frequency/severity trends, rate adequacy, and underwriting performance to identify profit and growth opportunities.
Develop and enhance reporting tools that support carrier and MGA decision‑making, including dashboards for rate actions, retention, claims trends, and regulatory performance.
Serve as a subject matter expert on pet insurance contracts, rating structures, underwriting guidelines, and state‑specific product variations.
Work with structured data from multiple systems (policy admin, claims, rating engines, distribution partners) to generate accurate, actionable insights.
Conduct deep‑dive analyses on emerging issues such as loss spikes, rate need, regulatory changes, or underwriting leakage.
Partner with Actuarial and Underwriting to evaluate rate indications, monitor product performance, and support filings, forms updates, and pricing changes.
Support ongoing product maintenance, including monitoring regulatory requirements, state variations, and DOI‑related impacts on product strategy.
Provide recommendations on product strategy, pricing actions, underwriting adjustments, and market opportunities based on analytical trends.

Bachelor’s degree in a relevant field or equivalent work experience.
2+ years of experience in P&C or pet insurance analytics, pricing, product management, or underwriting.
Strong understanding of insurance KPIs (loss ratio, combined ratio, rate adequacy, retention, frequency/severity).
Proficiency with analytical tools such as SQL, SAS, R, Python, and visualization platforms like Power BI or Tableau.
Experience working with insurance data sources (policy admin systems, claims data, rating engines, underwriting rules).
Ability to communicate complex insurance concepts to both technical and non‑technical audiences.
Strong organizational skills with the ability to manage multiple priorities in a fast‑paced environment.

Insurance Product Analyst

Key skills