• Deliver profitable growth in managed states/territories through understanding markets, loss trends, and regulatory requirements • Develop, implement, monitor, and recommend changes to personal property insurance products • Analyze product performance metrics (loss ratio, frequency, severity, hit ratio, retention, etc.) and recommend/implement changes to optimize results • Conduct sophisticated analysis of product mix, quote-to-bind conversion rates, claims frequency, and retention strategies. • Identify and evaluate new market opportunities through complex market analysis and competitive intelligence • Coordinate with the pricing team to develop competitive pricing structures using ISO tools, proprietary rating elements, and advanced economic models • Design and recommend automated compliance systems to improve operational efficiency • Serve as subject matter expert for regulatory initiatives and state-specific requirements • Partner with actuarial on rate selection, and execute filings for rates, rules, and forms • Monitor the competitive environment by gathering intelligence from marketing and our agents and analyzing competitor rate changes • Understand all relevant regulations and work with regulatory entities to secure filing approvals • Guide and support Business Analyst and IT resources to deliver product changes accurately and on time