Horace Mann

VP, Product Management

Horace Mann

full-time

Posted on:

Location Type: Remote

Location: United States

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Salary

💰 $210,000 - $250,000 per year

Job Level

Lead

About the role

  • Own profit and growth performance for Personal Lines Auto and Home across 44 states.
  • Develop and execute state-specific strategies to achieve target loss ratios, retention, growth, and expense objectives.
  • Diagnose performance drivers using internal data and external market intelligence, translating insights into actionable strategies.
  • Establish portfolio guardrails and ensure disciplined underwriting and segmentation strategies.
  • Partner with Pricing and Actuarial teams to shape rate indications and state-level pricing strategies.
  • Lead the end-to-end rate, rule, and form filing agenda, including proposal development, cross-functional alignment, regulatory submission coordination, and objection management.
  • Ensure alignment among pricing strategy, underwriting appetite, claims insights, and operational capabilities.
  • Build and maintain strong relationships with state Departments of Insurance.
  • Monitor and manage portfolio mix, catastrophe exposure, geographic concentration, and emerging risk trends.
  • Identify and implement corrective actions when performance deviates from plan.
  • Drive disciplined new business growth aligned with profitability targets.
  • Lead the implementation of product changes across Technology, Operations, Distribution, Marketing, and Customer Experience teams.
  • Ensure system readiness, field communication, training, and performance monitoring plans are in place.
  • Establish a rigorous operating cadence including state performance reviews, action tracking, filing calendars, and post-implementation measurement.
  • Maintain a strong understanding of competitor pricing, underwriting posture, coverage positioning, and distribution dynamics.
  • Recommend strategic actions to strengthen competitiveness while protecting margins.
  • Partner with Distribution leadership to align product strategy with field execution.
  • Lead and develop a high-performing team of state product leaders and managers.
  • Establish consistent governance, best practices, and performance management across the state portfolio.
  • Build organizational capability, leadership bench strength, and succession pipelines.

Requirements

  • 10+ years of progressive leadership experience in Personal Lines insurance.
  • Demonstrated success managing multi-state product portfolios with direct P&L accountability.
  • Deep understanding of rate, rule, and form filings and state regulatory environments.
  • Proven ability to translate analytics into actionable strategy in partnership with Pricing/Actuarial teams.
  • Strong cross-functional leadership experience across Underwriting, Claims, Distribution, and Technology.
  • Bachelor’s degree or equivalent experience.
Benefits
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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
profit performance managementloss ratio analysisunderwriting strategiesrate filingsrule filingsform filingsP&L accountabilityanalytics translationportfolio managementcatastrophe exposure management
Soft Skills
leadershipcross-functional collaborationrelationship buildingstrategic thinkingperformance managementaction trackinggovernanceteam developmentcommunicationorganizational capability