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Kin Insurance is seeking a Southeast State Manager to own state-level P&Ls and drive profitable growth across homeowners and auto insurance products in assigned Southeast states. This is a strategic product management role focused on competitive pricing, underwriting strategy, and market expansion.
You will own the full product lifecycle from market research and rate analysis to regulatory filings and go-to-market execution. Key responsibilities include:
- Owning P&L performance for multiple Southeast states, driving profitable growth across homeowners, auto, and related insurance lines
- Developing and executing state and product strategies that optimize pricing, coverage, underwriting guidelines, retention, conversion, and customer experience
- Analyzing performance data, competitive intelligence, and customer feedback to refine offerings and improve journeys
- Partnering with actuarial teams on rate-making, forecasting, segmentation, and risk selection strategies
- Leading regulatory filings and managing approval processes for rate and product changes
- Collaborating with technology teams to improve agent and customer experiences
- Identifying and implementing automation and operational improvements
- Serving as subject matter expert on assigned state markets, regulatory environments, and competitive dynamics
- Defining and validating product-market fit through quantitative analysis and customer insights
- Leading cross-functional projects from planning through execution
Success in the first 6–12 months means assigned state P&Ls demonstrate improved profitability and disciplined growth, rate and product changes execute smoothly with strong cross-functional alignment and timely regulatory approvals, product enhancements measurably improve retention/conversion/satisfaction, and stakeholders rely on your insights for market expansion and competitive positioning decisions.
Kin is a remote-first, venture-backed insurtech company founded in 2016, serving customers in 13 states with a focus on making homeowners insurance simpler and more affordable, especially in climate-risk-exposed markets. The company has been recognized as one of Built In Chicago's Best Places to Work, Forbes' America's Best Startup Employers, and is Great Places to Work Certified.
REQUIREMENTS:
- 3+ years of insurance product experience and 4+ years of relevant functional experience
- Bachelor's degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline
- Direct insurance product management experience with strong understanding of state-level P&Ls, insurance regulations, and product requirements
- Experience with rate-making, forecasting, modeling, competitive analysis, and risk portfolio management
- Ability to operate effectively in fast-paced environments and quickly grasp new concepts and technologies
- Strong project management skills with ability to drive initiatives from strategy through execution
- Clear, persuasive communication skills and ability to influence cross-functional stakeholders
BONUS:
- State management experience in hurricane-exposed states
- Comprehensive understanding of reinsurance structures and key concepts
- Advanced statistical and analytical expertise to optimize risk portfolios and maximize risk-adjusted returns
