Monoline · 1 week ago
Director of Insurance Product Management
United States
Full-time
Remote
Mid, Senior Level
$170K/yr - $220K/yr
7+ years expMonoline is redefining the standalone personal umbrella insurance market with a focus on underwriting excellence. The Director of Insurance Product Management will be responsible for the strategic development and management of Monoline's insurance products while ensuring profitability and compliance across various states.
Financial ServicesInsuranceInsurTechPayments
Responsibilities
Lead the end-to-end product lifecycle for Monoline's personal umbrella products, from ideation to market launch and ongoing optimization
Own and manage the insurance product backlog by state and product line, treating rate changes, rule updates, and form modifications with the same rigor we apply to software development
Build and maintain a clear product roadmap that the entire organization can see and understand, so everyone knows what's coming and why
Lead all pricing and actuarial work for admitted and E&S umbrella products across our national footprint
Turn actuarial analysis into actionable rate and rule changes, then drive those changes through filings and rollouts
Set premium structures that deliver underwriting profit after both prospective loss costs and operating expenses are covered
Work with state-level data and third-party sources (MVRs, claims history, credit scores, territory data) to continuously refine pricing accuracy and adequacy
Build and maintain a systematic competitor monitoring framework
Track rate and rule filings from carriers like Philadelphia Underwriters, RLI, and HNW carriers in our core states
Understand what competitors are changing, why they're changing it, and how those moves align with market trends and our own experience
Turn competitive intelligence into product decisions that keep Monoline ahead of the market
Develop and execute state-specific product strategies to achieve profitable growth in every state
Manage admitted umbrella in 44 states, primary E&S umbrella in 5 states (FL, NY, NJ, MN, ME), and excess E&S layers
Coordinate state filings with partners like Perr&Knight, ensuring rate and rule changes are accurate, compliant, and aligned with our profitability targets
Monitor state-level performance (loss ratios, severity trends, regulatory changes) and take action when results diverge from expectations
Ensure all product initiatives comply with insurance regulations across our 49+ state footprint
Proactively address changes in the regulatory landscape
Manage the filing process for rate, rule, and form changes in partnership with external actuaries and regulatory experts
Track filing approvals, implementation timelines, and post-launch performance
Use loss experience, third-party data, competitor moves, macro trends, and agency feedback to drive product decisions
Analyze how underwriting rules and pricing perform across states and segments
Identify where we need to take rate, where we should tighten appetite, and where we can expand limit offerings
Build feedback loops so experience drives action, not just reports
Help shape Monoline's 'underwriting brain' from a product perspective
Partner with Technology to build AI models that improve risk selection, pricing accuracy, and decision consistency across states
Use AI tools to analyze competitor filings and market data quickly, extracting what matters without spending weeks manually reviewing PDFs
Qualification
Required
Strong analytical mindset, comfortable living in data and translating it into clear business recommendations
Deep expertise in competitor analysis, including reading filings, tracking state moves, and turning intelligence into action
Excellent verbal and written communication abilities, with experience presenting to senior leadership and external partners
Proficiency in SQL and data analysis tools, with the ability to pull and slice data independently
Strategic thinker with systems thinking capabilities and strong technical implementation experience
Ability to manage multiple priorities and projects effectively in a fast-paced, entrepreneurial environment
Hands-on approach with a bias toward execution and results
Bachelor's degree in Business, Finance, Insurance, Mathematics, Actuarial Science, or a related field
7-10 years of experience in personal lines insurance, with direct experience in product management, actuarial work, or state management
Deep expertise in personal umbrella or auto insurance, with real exposure to bodily injury trends, severity shifts, and litigation environments
Actuarial training or background
Demonstrated success managing insurance products from concept to market, including rate filings and regulatory approvals
Experience analyzing and applying third-party data (MVRs, claims history, credit scores) to pricing and underwriting decisions
Hands-on experience with insurance systems, rating algorithms, and product implementation
Startup or insurtech experience strongly preferred
Preferred
MBA or advanced degree in a quantitative field is a plus
Actuarial credentials (ASA, ACAS) or progress toward credentials
Experience with both admitted and E&S personal lines products
Familiarity with AI tools and their application to insurance product management
Experience managing P&L for an insurance product line
Benefits
Annual company performance bonus
Equity participation in Monoline
Health, dental, and vision insurance
401(k) with company match
Unlimited time off
Paid parental leave
Flexible schedule and remote work options
Company
Monoline
Monoline has set the industry standard for standalone umbrella insurance by streamlining quoting, binding, and policy management.
11-50 employees
Funding
Current Stage
Early StageLeadership Team
Ben Phillips
Co-Founder
Carson Kipfer
Co-Founder
Recent News
24-7 Press Release Newswire
2025-07-29
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