Sr State Product Analyst

Accountabilities:

Conduct comprehensive business and financial analyses to support State Management in achieving strategic objectives, identifying performance trends, evaluating business variables, and developing actionable recommendations.
Provide analytical support for insurance rate revisions, including participating in meetings, completing required checklists, conducting evaluations, and preparing supporting documentation.
Review competitor insurance filings and gather market intelligence from field teams to identify pricing changes, competitive developments, and emerging market opportunities.
Consolidate, analyze, and communicate competitor information to help inform state-level product and pricing strategies.
Review monthly Profit and Loss (P&L) statements and other financial reports in collaboration with State Managers to identify performance variances, investigate root causes, and highlight emerging trends.
Monitor and report on progress toward key financial and business objectives, including growth, combined ratio (CR), loss ratio (LR), and customer retention.
Identify opportunities and recommend strategic adjustments to support sustainable and profitable business growth.
Partner with State Managers to develop and implement state-specific strategies designed to achieve or exceed profitability and growth targets.
Monitor financial performance, insurance quoting activity, conversion rates, and other relevant business indicators to assess product effectiveness.
Support quarterly state forecasting reviews by preparing financial information, analyzing results, and contributing to planning discussions.
Ensure that source data is accurately interpreted and appropriately reflected in business reporting and analytical recommendations.
Coordinate communication and collaboration across different business functions to support effective decision-making and successful implementation of initiatives.
Prepare standard and ad hoc reports, analyses, and business updates in response to State Management requests, ensuring timely and professional delivery.
Requirements:
Bachelor's degree in Insurance, Actuarial Science, Mathematics, Risk Management, Economics, Finance, Accounting, Business Administration, or a related discipline is preferred.
At least 3 years of professional experience in property and casualty (P&C) insurance or a related field, with previous experience in data analysis preferred.
Progress toward relevant professional designations or certifications is preferred, including CPCU, AU, CIC, INS, ARM, actuarial examinations, or equivalent qualifications.
Knowledge of analytical tools, core business functions, underwriting methodologies, and performance measurement techniques.
Basic understanding of insurance pricing, product management, marketing strategies, company operations, and insurance products.
Strong proficiency in Microsoft Office applications and business software solutions, particularly tools used for financial analysis, reporting, and data management.
Demonstrated ability to analyze complex datasets, identify underlying business issues, evaluate alternative solutions, and recommend the most appropriate course of action.
Ability to interpret financial and operational performance indicators and translate findings into practical business recommendations.
Excellent written and verbal communication skills, with the ability to collaborate effectively with internal and external stakeholders.
Strong presentation skills and the ability to organize and communicate detailed analytical findings, business information, and recommendations clearly.
Excellent organizational and time management skills, with the ability to prioritize competing responsibilities and manage assignments independently.
Strong critical thinking, curiosity, attention to detail, and a proactive approach to identifying business improvement opportunities.
Ability to work collaboratively while demonstrating sound judgment, accountability, and alignment with organizational values.
Benefits:
Competitive compensation: National salary range of $69,500 to $129,000 per year, with an expected starting salary range of $69,500 to $103,500, depending on qualifications, experience, skills, and geographic location.
Comprehensive medical, dental, and vision insurance coverage.
Life insurance and short-term and long-term disability coverage.
Generous paid time off, with newly hired employees receiving a minimum of 18 days per full calendar year, prorated according to their start date.
Nine paid company holidays each year.
Additional paid leave, including 8 hours of Lifetime paid time off and 8 hours of Unity Day paid time off.
401(k) retirement savings plan with employer matching contributions.
Company-funded pension plan to support long-term financial security.
Remote working opportunities across eligible locations within the lower 48 United States.
Business-casual dress environment.
Inclusive and supportive workplace culture that values diversity, collaboration, and employee engagement.
Opportunities to develop professionally, expand business knowledge, and contribute to strategic initiatives.