VP P&C State Product Management

Job Title Vice President, P&C State Product Management Location Remote Position Summary The Vice President, P&C State Product Management leads the state-level strategy, performance, and execution for the company’s Personal Lines Auto and Home portfolio across 44 states. This role holds direct accountability for state-level P&L outcomes and drives profitable growth through coordinated actions across pricing, underwriting, rules, forms, segmentation, and portfolio management. Partnering closely with Pricing/Actuarial, Underwriting, Claims, Distribution, Regulatory, Finance, and Technology, this leader translates performance insights into executable state strategies that improve loss ratios, drive growth, and enhance market competitiveness while ensuring regulatory alignment and operational readiness. Key Responsibilities State P&L Leadership & Strategy Own profit and growth performance for Personal Lines Auto and Home across 44 states. Develop and execute state-specific strategies to achieve target loss ratios, retention, growth, and expense objectives. Diagnose performance drivers using internal data and external market intelligence, translating insights into actionable strategies. Establish portfolio guardrails and ensure disciplined underwriting and segmentation strategies. Rate, Rule & Form Execution (in partnership with Pricing/Actuarial) Partner with Pricing and Actuarial teams to shape rate indications and state-level pricing strategies. Lead the end-to-end rate, rule, and form filing agenda, including proposal development, cross-functional alignment, regulatory submission coordination, and objection management. Ensure alignment among pricing strategy, underwriting appetite, claims insights, and operational capabilities. Build and maintain strong relationships with state Departments of Insurance. Monitor and manage por