Personal Lines Product Manager
The Personal Lines Product Manager is responsible for developing, pricing, and maintaining personal lines insurance products to achieve production and profitability goals. This role involves utilizing predictive modeling, regulatory liaison, competitive analysis, and strategic product refinement while collaborating with internal teams and external agencies. The position supports a hybrid work environment and requires strong analytical, negotiation, and communication skills to ensure product competitiveness and compliance across assigned states.
About Careertakes
👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Insurance.
Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.
What You’ll Do
This role is for a Personal Lines Product Manager supporting Personal Lines programs with a focus on pricing, product development, implementation, and ongoing maintenance to meet production and profitability goals.
- Evaluate and analyze personal lines product performance and market trends.
- Develop and implement pricing strategies and underwriting guidelines.
- Use predictive modeling and data analysis to refine pricing and reduce rate subsidization.
- Coordinate rate review and timely implementation of rate changes across assigned states.
- Serve as a liaison with regulators, rate bureaus, and vendors for product and pricing changes.
- Prepare communications and training materials for agencies and internal teams.
Key Responsibilities
- Provide technical support and develop best practices, educational materials, and training for products and programs.
- Audit field underwriting performance and collaborate with underwriting and territory teams.
- Monitor assigned-state performance metrics: loss ratios, demographics, market trends, and regulatory activity.
- Continuously refine product strategy with new/improved coverages, guidelines, and pricing to keep product portfolios competitive.
- Ensure product, coverage, and pricing compliance with state laws, bulletins, and bureau mandates.
- Perform competitive analyses to identify pricing opportunities that support production and profitability.
- Apply data to solve business problems and compile/manipulate datasets of varying complexity.
Qualifications
- Education: Bachelor’s degree in Mathematics, Statistics, Economics, Finance, or related field preferred.
- Experience: 2+ years in personal lines pricing or underwriting preferred.
- Industry knowledge: property & casualty insurance coverages, ratemaking procedures, pricing structures, and regulatory environment.
- Technical skills:
- Strong working knowledge of Excel and Access.
- Experience with Comparative Rater software and data visualization tools.
- General data mining and analysis capabilities; familiarity with predictive modeling is a plus.
- Professional skills:
- Strong analytical, negotiation, and decision-making abilities.
- Excellent written and verbal communication skills; ability to influence internal & external stakeholders.
Compensation & Benefits
- Estimated hiring range: $75,000 – $104,000 (based on skills, experience, and credentials).
- Eligible employees may participate in an annual incentive program (plan-specific eligibility applies).
- Typical total rewards highlights:
- 401(k) match and graded profit sharing.
- Incentive compensation and a comprehensive benefits package.
- Flexibility: hybrid and remote options where applicable; flexible scheduling.
- Professional development support, including tuition reimbursement and designation programs (CPCU, AINS, etc.).
Work Location & Travel
- This is a hybrid role reporting to the Harrisburg, PA office (Harrisburg, PA).
- Position is primarily sedentary with occasional standing/walking in an office environment.
- Some travel is required; overnight stays may be necessary.
Physical & ADA Requirements
- Must be able to perform computer-based tasks and access digital information (including via assistive technologies).
- Must be able to communicate effectively with internal and external clients using telephone, electronic, or other communication systems.
- Must be able to present information to individuals and groups and interpret/apply concepts that may not be based on established guidelines.
- Must be able to maintain acceptable attendance and adhere to scheduled work hours.
- Valid driver’s license and ability to operate a motor vehicle required.
- Reasonable accommodations are available in accordance with ADA and applicable law.
Candidate Eligibility
Only candidates residing in the following states will be considered unless the posting specifically states otherwise: Alabama, Delaware, Iowa, Maryland, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin.
Equal Opportunity & Hiring Transparency
Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.
If you have questions about how your data is used, please contact us directly.
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