VP Product – Personal Lines

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🏰 Missouri – Remote

🏰 Missouri – Remote

⏰ Full Time

🔴 Lead

👔 Vice President

👻 Ghost score 11%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Howden, A Chart Industries Company

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🏭 Manufacturing

⚡ Energy

Manufacturing • Energy

Howden, A Chart Industries Company is a leading global provider of mission critical air and gas handling products. We support customers across a broad and diverse range of industries, enabling their vital processes to achieve environmental and operational compliance and efficiencies including decarbonisation of operations. With over 160 years of heritage, Howden manufactures highly engineered fans, compressors, rotary heat exchangers, steam turbines, and other air and gas handling products, services, and solutions.

📋 Description

• Develop and execute product strategies for personal lines insurance products, including homeowners, renters, condominium, dwelling fire, and other relevant products. • Identify opportunities for new products, coverage enhancements, endorsements, and market expansion. • Conduct competitive and market analysis to identify pricing, coverage, underwriting, and distribution opportunities. • Manage the product lifecycle from development and implementation through enhancement and retirement. • Develop business cases and recommendations for new products and product changes. • Monitor product performance using written premium, growth, retention, loss ratio, frequency, severity, rate adequacy, and profitability metrics. • Identify trends and recommend corrective actions to improve underwriting results. • Partner with Actuarial to evaluate rate indications, pricing adequacy, segmentation, and underwriting profitability. • Establish and monitor product-level goals and performance targets. • Analyze geographic, peril, customer, and distribution-channel performance to identify opportunities and emerging risks. • Partner with Underwriting to establish and refine eligibility rules, underwriting guidelines, risk segmentation, and appetite. • Evaluate emerging risks and recommend changes to underwriting rules and guidelines. • Work with catastrophe modeling and risk management teams on exposure and accumulation issues. • Work with Compliance and Legal to ensure products and changes meet state and federal requirements. • Support regulatory filings and approvals, including rates, rules, forms, and underwriting changes. • Monitor regulatory and legislative developments affecting personal lines products. • Serve as the primary business owner for personal lines products. • Lead cross-functional product initiatives from concept through implementation. • Develop product requirements and coordinate with IT and Operations on system enhancements. • Partner with Distribution and Marketing on product positioning, communication, and sales strategies. • Provide training and product guidance to underwriting, agency, and distribution partners. • Coordinate implementation timelines, testing, rollout, and post-implementation reviews. • Monitor competitors, market conditions, consumer trends, and regulatory changes. • Partner with agency and distribution teams to understand market needs and producer feedback. • Identify opportunities to improve agent experience, customer value, and product competitiveness. • Evaluate product performance by distribution channel and recommend changes.

🎯 Requirements

• Bachelor’s degree in business, finance, insurance, economics, or a related field. • 5+ years of experience in personal lines insurance, preferably in product management, underwriting, actuarial, or portfolio management. • Strong understanding of personal lines insurance products, underwriting principles, pricing, and profitability. • Experience working with insurance carriers, MGAs, or other property & casualty organizations. • Strong analytical and problem-solving skills. • Ability to interpret insurance performance data and translate analysis into actionable business decisions. • Strong project management and cross-functional leadership skills. • Excellent written and verbal communication skills. • Proficiency with Microsoft Excel and other analytical/business intelligence tools. • Preferred: CPCU, CIC, ARM, or other insurance designation. • Preferred: Experience with homeowners and/or personal auto products. • Preferred: Experience with insurance product filings and regulatory requirements. • Preferred: Experience with catastrophe-exposed property portfolios. • Preferred: Familiarity with predictive analytics, insurance scoring, geospatial analytics, and catastrophe modeling. • Preferred: Experience working in an MGA or entrepreneurial insurance environment.

🏖️ Benefits

• Medical insurance • Dental insurance • Vision insurance • Wide variety of wellbeing offers • Competitive salary • Unlimited PTO • 401(k) with company match • Paid volunteer days