VP P&C State Product Management

Horace Mann is a company dedicated to helping educators protect their financial future. The Vice President, P&C State Product Management will lead the strategy and execution for the Personal Lines Auto and Home portfolio, focusing on state-level performance and profitability across 44 states.

Responsibilities:

• Own profit and growth performance for Personal Lines Auto and Home across 44 states
• Develop and execute state-specific strategies to achieve target loss ratios, retention, growth, and expense objectives
• Diagnose performance drivers using internal data and external market intelligence, translating insights into actionable strategies
• Establish portfolio guardrails and ensure disciplined underwriting and segmentation strategies
• Partner with Pricing and Actuarial teams to shape rate indications and state-level pricing strategies
• Lead the end-to-end rate, rule, and form filing agenda, including proposal development, cross-functional alignment, regulatory submission coordination, and objection management
• Ensure alignment among pricing strategy, underwriting appetite, claims insights, and operational capabilities
• Build and maintain strong relationships with state Departments of Insurance
• Monitor and manage portfolio mix, catastrophe exposure, geographic concentration, and emerging risk trends
• Identify and implement corrective actions when performance deviates from plan
• Drive disciplined new business growth aligned with profitability targets
• Lead the implementation of product changes across Technology, Operations, Distribution, Marketing, and Customer Experience teams
• Ensure system readiness, field communication, training, and performance monitoring plans are in place
• Establish a rigorous operating cadence including state performance reviews, action tracking, filing calendars, and post-implementation measurement
• Maintain a strong understanding of competitor pricing, underwriting posture, coverage positioning, and distribution dynamics
• Recommend strategic actions to strengthen competitiveness while protecting margins
• Partner with Distribution leadership to align product strategy with field execution
• Lead and develop a high-performing team of state product leaders and managers
• Establish consistent governance, best practices, and performance management across the state portfolio
• Build organizational capability, leadership bench strength, and succession pipelines
• Improvement in state-level loss ratio and combined ratio
• Achievement of rate earned and profitability targets
• Retention, new business growth, and portfolio mix management outcomes
• Filing approval cycle times and regulatory effectiveness
• Execution quality and operational readiness
• Team engagement and talent development

Requirements:

• 10+ years of progressive leadership experience in Personal Lines insurance
• Demonstrated success managing multi-state product portfolios with direct P&L accountability
• Deep understanding of rate, rule, and form filings and state regulatory environments
• Proven ability to translate analytics into actionable strategy in partnership with Pricing/Actuarial teams
• Strong cross-functional leadership experience across Underwriting, Claims, Distribution, and Technology
• Bachelor's degree or equivalent experience
• Experience leading large-scale, multi-state portfolio transformation initiatives
• Proven success in both profitability remediation and growth acceleration strategies
• CPCU designation or advanced degree (MBA or similar)
• Experience working within both captive agent and direct-to-consumer distribution models