Associate Insurance State Product Manager - Remote

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Job Title

Associate Insurance State Product Manager - Remote

Requisition Number

R7277 Associate Insurance State Product Manager - Remote (Open)

Location

Arizona - Home Teleworkers

Additional Locations

Alabama - Home Teleworkers, Alabama - Home Teleworkers, Arkansas - Home Teleworkers, California - Home Teleworkers, Colorado - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker, Montana - Home Teleworkers {+ 20 more}

Job Information

CSAA Insurance Group (CSAA IG), a AAA insurer, is one of the top personal lines property and casualty insurance groups in the U.S. Our employees proudly live our core beliefs and fulfill our enduring purpose to help members prevent, prepare for and recover from life's uncertainties, and we're proud of the culture we create together. As we commit to progress over perfection, we recognize that every day is an opportunity to be innovative and adaptable. At CSAA IG, we hire good people for a brighter tomorrow. We are actively hiring for a Associate State Product Manager. Join us and support CSAA IG in achieving our goals.

Your role: 

As an Associate State Product Manager, you will be responsible for driving profitable growth across multiple assigned states by developing the annual business plan, as well as setting and implementing the strategy to achieve the business plan goals. You will engage with both internal and external stakeholders in product planning and management discussions to ensure that strategic objectives are met. You will oversee the successful rollout of new products and countrywide initiatives in assigned markets and work closely with the Pricing teams to ensure that rate actions are thoroughly and comprehensively planned. You are responsible for the profitability of the products, as well as the drivers of premium growth, such as close ratio, retention, and average premium, efficiently implementing product changes that drive purposeful growth.

Your work:

• Strategizes, builds, and executes product plans for assigned markets, ensuring compliance. Consults VP State Product to drive clarity of business strategies and operating objectives for products in assigned states.

• Influence overall strategy and business plans for associated clubs, defining where, how, and when to compete (customer segments, product mix, geography, value proposition, pricing, distribution channels, and product features).

• Develops product specifics for assigned markets, covering design, pricing, policy development, compliance, and operational planning/budget.

• Works closely with partner clubs and distribution partners to ensure product performance, proper execution, and strategic product distribution (investment and tactics).

• Utilizes advanced knowledge of current products and future enhancements to make recommendations to the Product Strategy and Development team and develop market introduction plans.

• Uses sound analysis to find efficient ways of adapting countrywide initiatives to thrive in local market when necessary and develops appropriate product/underwriting modifications with sound analysis.

• Develops, implements, and manages tactical plans in support of sales strategies for all personal lines insurance products in territory.

• Collaborates with a team of analyst(s) and Product Specialists, empowering them and holding them accountable. Oversees and coordinates product development, delivery, and analysis for assigned markets. Monitors all aspects of product performance, including close ratio, retention, quality of the book of business, club and agent satisfaction, and other distribution channel satisfaction with state products. Reviews claims trends to achieve loss ratio targets.

• Maintains market-specific competitive intelligence and trend analyses. Stays abreast of competitor strategies and activities as well as regulatory/legislative processes.

• Ensures alignment within and across functions and communicates results throughout the organization.

• Drive strategy and advocate for state specific needs, partnering on rate and non-rate action to address indication, gain strategic alignment, and ensure compliance.

• Proactively build relationships with DOIs and create productive lines of communication to ensure successful product filings that are in line with DOI requirements.

• Some travel required for high impact relationship building opportunities with partners.

Required Experience, Education and Skills:

• Bachelor's degree in related area (finance, marketing, business, or a related field) or an equivalent combination of education and experience.

• 10+ years of related work experience with 5+ years of relevant work experience in the personal lines P&C insurance industry.

• Prior experience related to state product management in analytical, product specialist, or market generation roles or other related functions (e.g., pricing, product strategy and development, or data science) required.

• Advanced strategic and business acumen.

• Excellent oral and written communication skills, with the ability to create and deliver effective presentations.  Ability to influence without direct authority. 

• Thorough knowledge of the P&C insurance industry, products, marketplace, competitive landscape, and pricing.

• In-depth product management expertise.

• Advanced understanding of financial drivers of profitability and a proven ability to develop and sustain profitability-based product and marketing strategies.

• Consultative leadership orientation.  Advanced negotiation skills and the ability to influence seasoned and senior-level internal and external parties.  Coaches and mentors more junior team members. 

• Advanced knowledge and proficiency in change management concepts and practices, with demonstrated success in motivating and influencing others at all levels while driving towards results.

What would make us excited about you?

• Advanced degree, CPCU designation or Actuarial designations preferred.

• Shows respect for differences through excellent communication skills with people from an array of backgrounds.

• Actively shapes our company culture (e.g., supporting employee resource groups, mentoring employees, volunteering, joining cross-functional projects).

• Champions our cultural norms (e.g., willing to have cameras on when it matters: helping onboard new team members, building relationships, etc.).

• Demonstrates a company ownership mindset, thinking beyond boundaries of their own area.

• Travels as needed for role, including enterprise meetings, divisional / team meetings, and other in-person meetings.

• Fulfills business needs, which may include investing extra time, helping other teams, etc.

CSAA IG Careers

At CSAA IG, we’re proudly devoted to protecting our customers, our employees, our communities, and the world at large. We are on a climate journey to continue to do better for our people, our business, and our planet. Taking bold action and leading by example. We are citizens for a changing world, and we continually change to meet it.

Join us if you…

• BELIEVE in a mission focused on building a community of service, rooted in inclusion and belonging.

• COMMIT to being there for our customers and employees.

• CREATE a sense of purpose that serves the greater good through innovation.

Recognition: We offer a total compensation package, performance bonus, 401(k) with a company match, and so much more! Read more about what we offer and what it is like to be a part of our dynamic team at https://careers.csaa-insurance.aaa.com/us/en/benefits

In most cases, you will have the opportunity to choose your preferred working location from the following options when you join CSAA IG: remote, hybrid, or in-person. Submit your application to be considered. We communicate via email, so check your inbox and/or your spam folder to ensure you don’t miss important updates from us.

If a reasonable accommodation is needed to participate in the job application or interview process, please contact [email protected].

As part of our values, we are committed to supporting inclusion and diversity at CSAA IG. We actively celebrate colleagues’ different abilities, sexual orientation, ethnicity, and gender. Everyone is welcome and supported in their development at all stages in their journey with us.

We are always recruiting, retaining, and promoting a diverse mix of colleagues who are representative of the U.S. workforce. The diversity of our team fosters a broad range of ideas and enables us to design and deliver a wide array of products to meet customers’ evolving needs.

CSAA Insurance Group is an equal opportunity employer.   

If you apply and are selected to continue in the recruiting process, we will schedule a preliminary call with you to discuss the role and will disclose during that call the available salary/hourly rate range based on your location. Factors used to determine the actual salary offered may include location, experience, or education. 

Please note we are hiring for this role remote anywhere in the United States with the following exceptions:  Hawaii and Alaska.

Must have authorization to work indefinitely in the US.  

#LI-JH1

Knowledge, Skills and Abilities

Required

• Advanced strategic and business acumen.

• Communication: Excellent oral and written communication skills, with the ability to create and deliver effective presentations.  Ability to influence without direct authority. 
• Industry Knowledge: Thorough knowledge of the P&C insurance industry, products, marketplace, competitive landscape, and pricing.
• Product Management: In-depth product management expertise.
• Financial Proficiency:  Advanced understanding of financial drivers of profitability and a proven ability to develop and sustain profitability-based product and marketing strategies.
• Leadership: Consultative leadership orientation.  Advanced negotiation skills and the ability to influence seasoned and senior-level internal and external parties.  Coaches and mentors more junior team members. 
• Change Management:  Advanced knowledge and proficiency in change management concepts and practices, with demonstrated success in motivating and influencing others at all levels while driving towards results.

Education, Work Experience, Licenses & Certifications

Required:

• BA/BS or equivalent work experience

• 10 years of related work experience with typically 5+ years being in the personal lines P&C industry

• Prior experience in state product management roles (ex: analyst, specialist, market generation consultant) or other related functions (ex: pricing, product strategy and development, data science)

Preferred:

• MBA

• CPCU certification

• Actuarial designation (ACAS, FCAS)