• Senior Product Manager - Property

    Location US-CA-San Francisco
    Job ID
  • Summary

    Esurance is looking for a Senior Product Manager - Property to join a dynamic and award-winning team of individuals who are committed to making insurance smarter, easier, and dare we say- cooler. As part of a growing company that is focused on providing an outstanding customer experience, you’ll have the opportunity to expand your skills and discover your potential.


    If you’re looking for a career at a socially conscious company that offers great benefits — including matching 401k and tuition reimbursement — then you may have just found your new home. 


    Esurance combines the spunk of a startup company with the backing of Allstate (the largest publicly held personal lines insurer in the U.S.) to create a unique, energized, and exciting place to work. 


    Manage overall profitability and growth of property programs for assigned states/regions. Adapt the standard product design to conform with the state(s) requirements, market conditions, define eligibility and underwriting rules, collaborate in the process of setting adequate rates, and collaborate in the establishment of a retention strategy. Manage mission critical products in states with the most complex laws and regulations.

    Job Responsibilities:

    • Develop state(s) profit and growth strategies including product positioning and marketing approach.
    • Make rate and trend selections to meet profitability goals. Coordinate the rate revision schedule with appropriate departments.
    • Communicate with senior management and other business groups on the performance and strategic plans for assigned state(s).
    • Make fact-based strategic decisions based upon knowledge of the market, which includes competitors, regulatory and legal environment, claims handling trend, and distribution channel/agent relationships.
    • Respond to the department of insurance for rate filings and market conduct examinations and serves as a consultant on consumer complaints and other interactions.
    • Develop and maintain relationships with state regulators by attending regulatory meetings (i.e. IRES, and SERA), through daily phone contacts, insurance department visits and participation in industry group meetings.
    • Participate in the establishment of department goals and for implementing procedures and performance standards to achieve these goals; manage, coordinate, monitor and evaluate the activities of department staff directly or through subordinate supervisors.
    • Responsible for the assisting in the development of associates into future product managers.
    • Recognize opportunities to apply solutions to developed in assigned states to enhance company wide performance.

    • Excellent presentation and communication skills (oral and written) with strong analytical and problem solving skills.
    • Ability to apply critical thinking skills to identify key levers and priorities.
    • Ability to balance quantitative analysis with competitor behaviors within the marketplace.
    • Thorough understanding of competitors and alternative markets within each environment.
    • Ability to set/change tactics as a response to business priorities and/or market influences.
    • Ability to articulate financial results and impact of tactics/strategy to senior management.
    • Ability to take the initiative in fast paced work environment and be able to interface with all functions at all levels both within and outside the organization.
    • Excellent leadership, coaching, project management and mentoring skills.
    • Ability to accomplish goals through influence management and motivation; able to collaborate with various departments and company members.
    • Line of business expert with ability to develop underwriting, production, and pricing strategies.
    • Thorough understanding of the ratemaking process and demonstrated ability to analyze, recommend and support a rate level with internal management and state regulators.
    • Ability to design and deliver technical training programs to support staff.
    • Ability to operate PC based software and/or automated database systems required.

      Experience / Education:
    • Master?s degree or Actuarial accreditation (FCAS/ACAS) preferred, Bachelor?s degree in Business, Marketing, Mathematics, a related field or equivalent education required.
    • Minimum of five years of product management experience within the property and casualty insurance industry to including two or more years in a supervisory or lead role.
    • Demonstrated comprehensive knowledge of personal lines of insurance, products and features, competition and competitive market conditions.

      Physical Demands and Work Environment: Representative of those that must be met by an employee to successfully perform the essential functions of this job. Must be able to operate a PC and sit for extended periods of time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.



    At Esurance, being committed to our employees is not just something we say, it’s something we do. Our benefits package is designed to help our associates stay healthy, meet their long-term financial goals, and balance the demands of work and personal life. Esurance rewards hard work, dedication, and creativity with competitive salaries and a generous bonus system. We are committed to our employees and we are dedicated to creating a diverse, positive, innovative and team-oriented work environment.

    Health & wellness

    • Medical, vision, and dental insurance
    • Life insurance (company-paid and supplemental)
    • Accidental death and dismemberment coverage
    • Wellness coaching and incentives
    • Group critical illness coverage
    • Accident indemnity and hospital indemnity plans
    • Group legal


    • 401(k) plan with annual matching contribution
    • Referral bonuses
    • Performance-rewarding bonus system
    • Tuition assistance program (up to $5,250 per year)
    • Health savings and flexible spending accounts
    • Commuter benefits

    Family & Community

    • Adoption assistance
    • Maternity leave
    • Buckle Up Baby program
    • Pet insurance discount
    • Charitable gift matching
    • Give Time, Get Time volunteer program
    • Employee Assistance Program

    Time off

    • Short-term disability
    • Long-term disability (employee-paid option)
    • Paid time off (holidays, vacation, personal choice days)


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