Director Product Management – Risk Management

🕒 4 dias atrás

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $175.000 / ano

⏰ Tempo Integral

🔴 Especialista

✅ Gerente de Produto

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Centivo

SiteLinkedInTodas as Vagas

201 - 500 funcionários

Fundada em 2017

⚕️ Seguro de Saúde

Healthcare Insurance

A Centivo é uma inovadora fornecedora de planos de saúde para empregadores auto-segurados que foca em entregar cuidados de saúde de alta qualidade a um custo acessível. A empresa acredita no poder do atendimento primário para melhorar os resultados de saúde e reduzir custos. A Centivo oferece planos com atendimento primário gratuito, sem franquias e co-pagamentos baixos e previsíveis, incentivando, assim, os membros a utilizarem seus benefícios de saúde sem sobrecarga financeira. Os planos são elaborados para atender a rigorosos padrões de preço e qualidade, promovendo um forte relacionamento com os provedores de atendimento primário e integrando opções de atendimento virtual. A abordagem da Centivo é projetada para reduzir as despesas médicas gerais, ao mesmo tempo em que melhora a experiência de saúde tanto para empregadores quanto para empregados.

Descrição

• Own the full lifecycle of Centivo's stop loss and captive product offerings — from program structure and feature design through launch, iteration, and ongoing performance management. • Define and maintain product specifications for specific stop loss coverage, aggregate stop loss, and captive arrangements, ensuring terms, attachment points, and program features are competitive and financially sound. • Lead the evaluation and design of level funding, minimum premium, and partial self-funding structures as differentiated market offerings. • Build and maintain a prioritized product roadmap for the risk management domain that balances underwriting discipline with market competitiveness. • Translate emerging trends in stop loss, reinsurance, and captive markets into actionable product initiatives. • Partner with underwriting to develop and refine risk selection criteria, pricing frameworks, and program structures — including layered and quota share approaches. • Define product guardrails that support sound underwriting outcomes while giving sales and client management the flexibility to compete effectively. • Lead product strategy for captive program creation, management, and redesign. • Define the criteria and structure for new captive formations, assess performance of existing captives, and drive product changes that optimize outcomes for captive members. • Define product requirements for reinsurance arrangements that support Centivo's risk portfolio. • Work across finance, underwriting, actuarial, network and teams to ensure risk product designs are operationally viable and financially modeled accurately. • Monitor the stop loss carrier, MGU, and captive market landscape. • Define the metrics that indicate healthy risk product performance and use them to drive ongoing product decisions. • Represent Centivo's risk management product capabilities externally with brokers, consultants, reinsurers, and at industry forums.

🎯 Requisitos

• Bachelor's degree in mathematics, finance, underwriting, actuarial science, or a related quantitative field; advanced degree preferred • 5 years of experience in stop loss, captive, or a closely related risk domain • 5 years in product management or a related role, with a proven track record of taking products from concept through launch and scale • Direct experience at a stop loss carrier, MGU, or the stop loss division of a health plan • Demonstrated ability to launch and scale innovative, customer-centric products that create durable competitive advantage • Strong grasp of user experience principles, market trend analysis, and competitive assessment • Able to communicate product vision and strategy clearly — to an underwriter, an engineer, and a CEO, without changing what you're actually saying • Familiar with product management tools, metrics, and adoption methodologies; working knowledge of agile development processes • 5 years of hands-on experience with stop loss and captive program design and implementation • Deep knowledge of captive creation, ongoing management, and redesign; level funding programs; and other financial structures including minimum premium and partial self-funding • Strong working knowledge of layered and quota share approaches, reinsurance mechanics, stop loss underwriting, cost mitigation strategies, network performance, and benefit design • Experience with self funded plans is required; fully insured or provider reinsurance arrangements is a plus.

🏖️ Benefícios

• Offers Equity • Offers Bonus