Senior Insurance State Manager

Root was founded on the belief that car insurance is broken, and we set out to change it. We’re harnessing the power of technology to revolutionize this archaic, complicated industry. Using machine learning and mobile telematic platforms, we’ve built one of the most innovative insurtech companies in the world.

The Opportunity

At Root, we’re on a mission to improve the lives of our customers by offering better insurance solutions. We challenge ourselves to think differently in order to reimagine insurance to make it smarter, more equitable, and a better experience for all.

We strive to “unbreak” the archaic insurance industry by using data and technology in innovative new ways. We believe we must be steadfast in our commitment to research, experimentation, and disciplined data-driven decision making in order to build products our customers love.

Consumer auto insurance is a competitive industry, so offering an industry leading insurance product specifically tailored to each state is essential to differentiate ourselves from the competition. This team lives at the heart of our promise to “unbreak” auto insurance and deliver that world-class product. Our State Product Management team works alongside the actuarial and regulatory groups, with significant interactions with data scientists, product managers and engineers to decide how to set and implement state-based strategy at Root.

As a Senior State Product Manager, you'll be responsible for setting and advancing business strategy across a domain of Root's state-based auto insurance markets. You will be expected to identify and frame complex market problems, evaluate strategic options in novel situations, and drive cross-functional execution across actuarial, regulatory, underwriting, claims, marketing, distribution, product, data science, and engineering partners. This role requires a deep understanding of state management levers, market economics, regulatory nuance, and the second-order effects of product, pricing, and underwriting decisions.

Salary Range: $141,400 - $176,800 (Bonus & LTI Eligible)

Root is a “work where it works best” company. Meaning we will support you working in whatever location that works best for you across the US. We will continue to have our headquarters in Columbus, Ohio.

How You Will Make an Impact

Drive domain strategy- identify and frame complex functional and market problems across multiple states; evaluate strategic options with empirical evidence where possible; make high-quality tradeoff decisions across teams in support of profitable growth and long-term business outcomes

Set and optimize market performance- proactively review state performance across a wide range of measures, design frameworks for analyzing market-specific problems, specify objective criteria for product and rate changes, and translate findings into meaningful pricing, underwriting, and product recommendations

Lead cross-functional execution- plan roadmaps and milestones for initiatives that intersect with multiple teams; keep overlapping workstreams unblocked; communicate status, risks, and decision points clearly to stakeholders and senior leaders

Advance regulatory strategy- use statutes, regulations, competitor filings, industry sources, prior experience, and legal partnership to identify compliance and product needs; write comprehensive product requirements and meaningfully contribute to filing strategy and objection responses

Build external and internal alignment- effectively manage relationships with Departments of Insurance and other external stakeholders while leveraging relationships across Root to drive action, alignment, and better strategic decisions

What You Will Need to Succeed

Bachelor's degree in Business, Finance, Economics, or a related field; professional designations related to insurance are a plus

7+ years of experience in the insurance industry, preferably in product management, underwriting, analytics, actuarial partnership, regulatory strategy, or a related role within personal lines insurance

Deep understanding of private passenger auto economics, state management levers, rate-level decisioning, underwriting strategy, and the first- and second-order effects of market-wide business decisions

Strong analytical judgment, including the ability to design analysis frameworks, define test parameters, interpret market data, and translate complex findings into actionable recommendations; SQL-based data analysis experience preferred

Demonstrated ability to communicate complex and highly cross-functional topics clearly to senior leaders and executives, driving alignment, decisions, and action

Proven ability to lead through influence across actuarial, regulatory, product, data science, engineering, claims, underwriting, marketing, distribution, legal, and compliance partners

Ability to plan and manage multiple overlapping workstreams, prioritize across teams, coach others on incrementally delivering value, and keep high-impact initiatives unblocked in a fast-paced environment

As part of Root's interview process, we kindly ask that all candidates be on camera for virtual interviews. This helps us create a more personal and engaging experience for both you and our interviewers. Being on camera is a standard requirement for our process and part of how we assess fit and communication style, so we do require it to move forward with any applicant's candidacy. If you have any concerns, feel free to let us know once you are contacted. We’re happy to talk it through.

Consistent with the Americans with Disabilities Act (ADA) and the Civil Rights Act of 1964, it is the policy of Root to provide reasonable accommodation when requested by a qualified applicant or candidate with a disability, unless such accommodation would cause an undue hardship for Root. The policy regarding requests for reasonable accommodation applies to all aspects of the hiring process. If reasonable accommodation is needed, please contact recruiting@joinroot.com