Mutual Capital Group, Inc.

Product Manager

• Product Development & Research:
• Lead industry data and carrier rate structure research to identify opportunities for product differentiation, modernization, and portfolio growth from a portfolio and pricing perspective.
• Analyze portfolio datasets (Quote, Inforce, and Loss Ratio) to develop data-driven recommendations related to pricing, segmentation, workflow efficiency, coverage updates, and appetite refinement.
• Evaluate pricing and portfolio performance trends by class, industry group, segment, hazard level, geography, and distribution channel to inform strategic product decisions.
• Serve as the subject matter expert on market trends, emerging risks, and portfolio performance drivers impacting assigned products.
• Build business cases for product updates, expansion opportunities, and strategic product initiatives using quantitative and qualitative insights.
• Requirements, Delivery & Testing:
• Develop comprehensive business requirements for pricing, rate, workflow, and system enhancements.
• Work cross-functionally (IT, Underwriting, Sales) to ensure system implementation accurately reflects business strategy.
• Validate impacts across quoting, underwriting workflow, policy issuance, forms, billing, and downstream systems.
• Support and execute UAT for complex or multi-state product changes.
• Regulatory & Filing Leadership:
• Own filing strategy and end-to-end execution to DOI for assigned lines/states/projects in coordination with Actuarial and Compliance.
• Oversee the creation and submission of regulatory filings related to rates.
• Ensure regulatory alignment and audit readiness across all product components.
• Respond to department objections, inquiries, and requests with well-supported analytical and strategic rationale.
• Partner with Actuarial to evaluate rate need, segmentation results, loss trends, and performance drivers.
• Data & Performance Monitoring:
• Analyze portfolio indicators including Quote Data, Inforce Data and Loss Ratio Data to understand underlying causes of changes.
• Recommend rate, rule or workflow adjustments based on performance insights.
• Monitor short-term and long-term performance outcomes from prior product changes and adjust strategy when needed.
• Build structured analyses to diagnose emerging issues.
• Cross-Functional Collaboration:
• Serve as a primary subject matter expert for assigned products across Underwriting, Sales, Claims, IT, and Compliance teams.
• Communicate product strategy, performance trends, change impacts, and roadmap updates to leadership and stakeholders.
• Provide detailed training, documentation, and communication materials for product changes.
• Facilitate cross-functional planning and implementation of product changes, ensuring alignment between business intent and system execution.
• Collaborate closely with Underwriting leadership to ensure appetite, guidelines, and workflows remain aligned with product strategy.
• Represent Product in cross-department meetings, initiatives, or working groups.
• Operational & Workflow Improvements:
• Identify opportunities to improve underwriting workflow efficiency, referral logic, rating accuracy, STP capabilities, and ease of doing business.
• Identify process gaps and recommend improvements to documentation standards, governance processes, and cross-functional communication.
• Partner with Operations, IT, and Underwriting to reduce friction and streamline interactions for both internal staff and agents.

Human Resources

• Assist and communicate with the HR Manager on day-to-day operations
• Perform all phases of the payroll processing cycle and maintain payroll records for all assigned companies, internal and external
• Conduct onboarding and offboarding in the HRIS
• Meet with new hires to provide training on the HRIS self-service portal and meet with departing employees to conduct exit interviews
• Ensure the HRIS captures all relevant data for employee profiles and payroll (wage changes, benefit enrollments, retirement elections, deductions, taxes, etc)
• Prepare reports, forms, audits, and surveys on a routine basis and as requested
• Maintain employee handbook, recommending modifications where appropriate
• Ensure timely distribution of changes to all employees
• Stay informed of local, state and federal regulations for all states where the company employs personnel
• Maintain payroll compliance with all applicable rules, including completion of required filings
• Participate in numerous annual audits
• Provide support and guidance to employees for all human resources related needs, including pay, benefits, retirement plan, taxes, leave of absence, etc
• Monitor employee morale and company culture
• Recommend employee programs to achieve work/life balance
• Communicate with various stakeholders: retirement plan representatives, benefit brokers, software providers, external auditors, taxing authorities, etc
• Provide support across the human resources department.

Product Manager

HR Generalist