Manager, State Management - P&C Insurance

About GAINSCO

Founded in 1978, GAINSCO offers property and casualty insurance with an emphasis on non-standard personal auto policies. It serves drivers nationwide by providing minimum-limits personal auto coverage, making insurance more accessible to a broader market. In 2020 GAINSCO, Inc. and its subsidiaries were acquired, making a significant milestone that strengthened GAINSCO’s ability to grow and expand its reach in the personal auto industry market while continuing to build on its decades of specialized expertise. Join a team that is dedicated to supporting your professional growth and long-term success. 

Who We Are 

At GAINSCO, we are a team driven by passion, creativity, and a commitment to excellence. We celebrate achievements, encourage innovative thinking, and recognize the unique strengths each person brings. Our people truly set us apart. If you’re seeking a company where your contributions are valued, your efforts have a visible impact, and your dedication is recognized, take the next step in your career with us.

We are seeking an experienced and dynamic Manager, State Product Management  to partner with the Field Operations Team to establish, monitor, and influence all aspects of profitability and growth for assigned states. This role involves managing and enhancing existing products through analysis, research, and strategic recommendations related to product design, pricing, underwriting, agency management, distribution, claims, and other processes.

What does a MANAGER, STATE PRODUCT MANAGEMENT do?

• Own P&L performance for 4–9 states, directly managing 2–3 states and overseeing additional states through direct reports.
• Develop pricing strategies based on actuarial indications, competitive analysis, and regulatory requirements.
• Execute rate changes and ensure timely filings, coordinating with Sales, Actuarial, Marketing, IT, and Testing teams.
• Identify actions for unprofitable segments and leverage underwriting and agency strategies.
• Present state performance and strategies to senior leadership and track key financial metrics.
• Achieve premium and policy count targets for assigned states.
• Partner with Sales to identify growth opportunities and optimize product positioning.
• Conduct competitive analysis and research market trends to inform product enhancements and new state launches.
• File and gain approval for regulatory changes; respond promptly to objections.
• Build relationships with state Departments of Insurance and maintain awareness of regulatory changes.
• Onboard, coach, and mentor Product Analysts and Managers.
• Foster a collaborative, high-performance culture focused on accountability and innovation.
• Manage staffing needs, recruitment, and performance evaluations.
• Drive process improvements and automation to enhance efficiency.

What is required?

Education:

• Bachelor's degree, preferably in Economics, Actuarial, Math, Statistics, Insurance, or a similar field required.

Experience:

• Minimum of 7 years of experience in Product or Actuarial in the Property and Casualty insurance industry.
• Minimum of 4 years of state management experience within Property and Casualty; state management for personal auto insurance preferred.
• Minimum of 2 years of experience managing direct reports.
• Experience initiating, developing, and executing complex pricing and product changes, including submitting filings and responding to DOI objections.
• In-depth knowledge of insurance and actuarial concepts, business processes, pricing plans, underwriting rules, and key financial metrics
• Proficiency with SQL, SAS, or Python required.
• Experience with PowerBI and/or Tableau is a plus
• Power BI skills a plus (ability to build reports and analyze data).
• Proficient in MS Office, with advanced Excel skills (pivot tables, data analysis).

Other skills and abilities:

• Deadline-driven with a proven ability to balance competing priorities.
• Strong analytical abilities, including gathering, restructuring, and gaining critical insights from large datasets.
• Fact-based and data-driven decision making, with the ability to present data in a cohesive, simple fashion.
• Able to lead complex projects and mentor junior team members in a fast-paced environment.
• Strong communication skills and emotional intelligence.
• Experience presenting to Senior Leadership and influencing leaders across the organization.
• Ability to balance multiple tasks and occasional travel (5%).

What else do you need to know?

• Remote
• Excellent benefits package: medical & dental, vision insurance, life insurance, short-term and long-term disability insurance.
• Parental Leave Policy
• 401K + Company Match
• PTO Plan + Paid Company determined Holidays.

**Applicants are required to be eligible to lawfully work in the U.S. immediately; employer will not sponsor applicants for U.S. work authorization (e.g. H-1B visa) for this opportunity**

All offers are contingent upon a successful background investigation (including employment, education, criminal and DMV verification- when applicable) and a pre-employment drug test with results satisfactory to GAINSCO.

GAINSCO is an Equal Employment Opportunity Employer