Manager, Product and Underwriting

SafetyCulture is a global tech company focused on improving the lives of workers through innovative tools. They are seeking a Manager for Product and Underwriting at SafetyCulture Care, responsible for overseeing underwriting decisions, product development, and ensuring book quality and profitability.

Responsibilities:

• Own underwriting decisions within binding authority, including referral approvals, exception handling, and appetite framework maintenance
• Design and execute property insurance programs covering CAT strategy, reinsurance structures, portfolio pricing, and risk appetite
• Research, develop, and file new products and enhancements across ISO and proprietary forms, endorsements, and underwriting guidelines in multiple states
• Develop and maintain policy forms across all lines, including coverage carve-outs, enhancements, and protective language
• Work with capacity partners and reinsurers to set pricing strategy and risk assessment standards for programs and individual referrals
• Monitor production, rate adequacy, loss ratios, and risk quality, then recommend and implement adjustments to pricing and underwriting strategy
• Navigate ISO and other regulatory service organizations for form filings, rule updates, and multi-state compliance
• Build and maintain underwriting tooling including raters, eligibility engines, pricing worksheets, and AI triage, and QA new implementations
• Own E&S placement infrastructure including market relationships, placement workflows, and servicing processes
• Act as primary technical authority for carrier relationships, binder compliance, capacity expansion conversations, and competitive intelligence to recommend product solutions and appetite expansions

Requirements:

• Active P&C license required
• Commercial lines underwriting depth across CPP, GL, and commercial property, from small business through mid-market
• Property program management covering CAT strategy, reinsurance structures, TIV monitoring, and portfolio pricing
• Multi-state product filing and ISO regulatory navigation across proprietary and standard forms
• E&S / surplus lines market experience, including Lloyd's or non-admitted paper
• Experience providing business requirements to tech teams for rating automation and platform builds
• Analytical ability to interpret loss trends, rate adequacy, and production data
• Takes clear ownership of book performance and acts without waiting to be told when something needs fixing
• Commercially minded, balancing coverage quality with portfolio economics
• Constructive on appetite, pushing back where needed but actively finding a path to yes
• Communicates technical content clearly to non-underwriting audiences
• Comfortable with evolving scope and wearing multiple hats in a startup environment
• Uses AI tools daily to accelerate triage, form analysis, research, and drafting workflows
• Can evaluate AI-generated underwriting outputs and translate underwriting logic into buildable tool specifications
• Occasional travel for carrier meetings, broker events, and Lloyd's market visits in London
• Location: Kansas City, MO (Hybrid) or remote opportunity considered for the right candidate
• KS/MO or surplus lines licensing preferred
• Lloyd's Coverholder experience a plus
• CPCU strongly preferred; ARM, ASLI, or AU a plus