[Remote] VP P&C State Product Management
Note: The job is a remote job and is open to candidates in USA. Horace Mann is a company dedicated to helping educators protect their financial future. The Vice President, P&C State Product Management will lead the strategy and performance for the Personal Lines Auto and Home portfolio, ensuring profitable growth and regulatory alignment across multiple states.
Responsibilities
- 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
Skills
- 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
- Ability to travel 35% - 50%
- Experience leading large-scale, multi-state portfolio transformation initiatives
- Proven success in both profitability remediation and growth acceleration strategies
- CPCU designation or advanced degree (MBA or similar)
- Experience working within both captive agent and direct-to-consumer distribution models
Benefits
- Bonus eligibility
- Special rates and benefits for educators
Company Overview
Company H1B Sponsorship