Senior Product Manager - Multiline (Remote US Residency)

AF - Group is seeking a seasoned commercial property and casualty professional to shape product strategy and drive innovation across a multi-line environment. The Senior Product Manager will provide technical underwriting expertise, lead new market and product development, strengthen underwriting practices, and coordinate cross-functional initiatives that support growth and profitability.

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

Requirements:

• Bachelor's degree in Insurance, Business, Math, Finance, or a related field required
• 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
• 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
• Travel is required, with some occasional overnight stays
• Must possess a valid driver's license with a record that meets corporate standards
• Progress towards, or completion of, industry-recognized professional designations (i.e., CIC, AU, CPCU) preferred
• Residency in Eastern and Central Time Zones encouraged/preferred