Director Product Management – Risk Management

🕒 il y a 1 mois

🇺🇸 États-Unis – Télétravail

💵 $175 000 / an

⏰ Temps Plein

🔴 Expert

✅ Responsable Produit

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Centivo

Site WebLinkedInTous les Emplois

201 - 500 employés

Fondée en 2017

🏥 Santé

🛡️ Assurance

⚕️ Assurance santé

Healthcare • Insurance • Healthcare Insurance

Centivo est un fournisseur innovant de régimes de santé pour les employeurs autofinancés, axé sur la prestation de soins de santé de haute qualité à un coût abordable. L'entreprise croit au pouvoir des soins primaires pour améliorer les résultats de santé et réduire les coûts. Centivo propose des plans avec des soins primaires gratuits, sans franchises, et avec des co-paiements faibles et prévisibles, encourageant ainsi les membres à utiliser leurs avantages santé sans contrainte financière. Les plans sont conçus pour répondre à des normes de prix et de qualité strictes, favorisant une relation solide avec les prestataires de soins primaires et intégrant des options de soins virtuels. L'approche de Centivo vise à réduire les dépenses médicales globales tout en améliorant l'expérience des soins pour les employeurs et les employés.

Description

• 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.

🎯 Exigences

• 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.

🏖️ Avantages

• Offers Equity • Offers Bonus