Insurance Product Analyst

Independence Pet Group

Product Analyst at Independence Pet Holdings analyzing and influencing pet insurance portfolio performance. Collaborating with teams to ensure competitive and compliant products.

Posted 6/26/2026full-timeRemote • 🇺🇸 United StatesJuniorMid-LevelWebsite

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Analyze product and portfolio P&L, including earned premium, loss ratios, frequency/severity trends, rate adequacy, and underwriting performance to identify profit and growth opportunities.
Develop and enhance reporting tools that support carrier and MGA decision‑making, including dashboards for rate actions, retention, claims trends, and regulatory performance.
Serve as a subject matter expert on pet insurance contracts, rating structures, underwriting guidelines, and state‑specific product variations.
Work with structured data from multiple systems (policy admin, claims, rating engines, distribution partners) to generate accurate, actionable insights.
Conduct deep‑dive analyses on emerging issues such as loss spikes, rate need, regulatory changes, or underwriting leakage.
Partner with Actuarial and Underwriting to evaluate rate indications, monitor product performance, and support filings, forms updates, and pricing changes.
Support ongoing product maintenance, including monitoring regulatory requirements, state variations, and DOI‑related impacts on product strategy.
Provide recommendations on product strategy, pricing actions, underwriting adjustments, and market opportunities based on analytical trends.

Requirements

What you’ll need

Bachelor’s degree in a relevant field or equivalent work experience.
2+ years of experience in P&C or pet insurance analytics, pricing, product management, or underwriting.
Strong understanding of insurance KPIs (loss ratio, combined ratio, rate adequacy, retention, frequency/severity).
Proficiency with analytical tools such as SQL, SAS, R, Python, and visualization platforms like Power BI or Tableau.
Experience working with insurance data sources (policy admin systems, claims data, rating engines, underwriting rules).
Ability to communicate complex insurance concepts to both technical and non‑technical audiences.
Strong organizational skills with the ability to manage multiple priorities in a fast‑paced environment.

Benefits

Comp & perks

Comprehensive full medical, dental and vision Insurance
Basic Life Insurance at no cost to the employee
Company paid short-term and long-term disability
12 weeks of 100% paid Parental Leave
Health Savings Account (HSA)
Flexible Spending Accounts (FSA)
Retirement savings plan
Personal Paid Time Off
Paid holidays and company-wide Wellness Day off
Paid time off to volunteer at nonprofit organizations
Pet friendly office environment
Commuter Benefits
Group Pet Insurance
On the job training and skills development
Employee Assistance Program (EAP)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

P&L analysisearned premium analysisloss ratiosrate adequacyunderwriting performancedata analysisinsurance KPIspricing strategyproduct managementanalytics

Soft Skills

communicationorganizational skillsanalytical thinkingproblem-solvingcollaborationtime managementadaptabilityattention to detaildecision-makinginterpersonal skills