Product Manager Non-Standard Auto Insurance

Product Manager – Non-Standard Auto Insurance

Location: Brownsville, TX (position could be remote for the right candidate)
Reports To: Vice President of Underwriting and Product

About the Role

We are seeking an experienced Product Manager to lead the development, optimization, and regulatory management of non-standard auto insurance products in the Texas market. This role is responsible for balancing profitability, regulatory compliance, customer outcomes, and competitive positioning in a highly regulated and data-driven environment.

The ideal candidate brings a strong understanding of non-standard auto insurance, Texas-specific regulations, underwriting strategy, and cross-functional collaboration.

Key ResponsibilitiesProduct Strategy & Development

• Own the end-to-end lifecycle of non-standard auto insurance products in Texas, including design, pricing strategy, coverage structure, and eligibility rules.




• Identify market opportunities through competitive analysis, performance data, customer insights, and regulatory changes.




• Define product roadmaps and prioritize initiatives aligned with business goals and loss ratio targets.

Regulatory & Compliance (Texas-Focused)

• Ensure all products comply with Texas Department of Insurance (TDI) requirements, including filings, forms, rates, endorsements, and rule changes.




• Ensure rate, rule and form filings are timely and accurate




• Monitor regulatory developments that impact non-standard auto carriers and proactively recommend product adjustments.

Underwriting & Pricing Collaboration

• Work closely with underwriting, actuarial, and data analytics teams to:

  
  
  
  

  • Refine risk segmentation and rating plans

  
  

  • Improve loss performance and profitability

  
  

  • Support new pricing models and coverage enhancements

  
  



• Translate actuarial insights into clear product definitions and business requirements.

Cross-Functional Leadership

• Manage a team consisting of a data analyst and underwriters




• Act as the product liaison between underwriting, claims, operations, technology, compliance, marketing, and distribution partners.




• Partner with technology teams to ensure product requirements are accurately implemented in policy administration systems.




• Support go-to-market strategies with sales and marketing, including agent communications and training materials.

Performance Monitoring & Optimization

• Track key product KPIs including loss ratio, retention, growth, and conversion.




• Analyze product performance and recommend corrective actions or enhancements.




• Lead post-launch reviews and continuous improvement initiatives.

Required Qualifications

• Bachelor’s degree in Business, Finance, Insurance, or a related field (or equivalent experience).




• 5 years of experience in insurance product management, underwriting, or actuarial roles.




• Direct experience with non-standard auto insurance products.




• Strong knowledge of Texas auto insurance regulations and TDI filing processes.




• Proven ability to work cross-functionally and influence stakeholders without direct authority.




• Strong analytical, communication, and documentation skills.




• Ability to travel 10-25% of the year if not located in Brownsville

Preferred Qualifications

• CPCU, ARM, or similar insurance designation.




• Experience working at a non-standard or specialty auto carrier.




• Familiarity with policy administration and rating systems.




• Experience supporting agent or MGA distribution models.

What We Offer

• Competitive salary and comprehensive benefits package




• Opportunity to shape products in a high-impact, growth-oriented business




• Collaborative culture with strong leadership visibility