PURE Insurance
State Management Senior Product Manager - North Carolina Specialist
About the Role
We are seeking an analytical, collaborative, and growth-oriented Senior Product Manager to join our State Management team within Product Management. This role serves as the primary owner of North Carolina property and casualty product strategy within the high net worth personal lines market, with direct accountability for profitable growth, rate adequacy, and regulatory compliance.
The Senior Product Manager may have multi-state responsibility and will lead all aspects of North Carolina product and pricing management, including navigating the North Carolina Rate Bureau (NCRB) framework, implementing circulars and filings, managing North Carolina Reinsurance Facility (NCRF) requirements, and executing strategic deviations. This role partners closely with actuarial, underwriting, legal, compliance, and business leaders to deliver competitive, compliant, and market-responsive product solutions.
What you’ll do
Own product strategy and execution for high net worth personal lines products, driving profitable growth and long-term market expansion in assigned states with focus on North Carolina.
Develop and execute state-specific strategies that align PURE’s enterprise objectives with local market dynamics, regulatory requirements, and underwriting performance.
Lead all North Carolina rate and product management activities, including NCRB circular monitoring, rate filings, implementation planning, and ongoing performance evaluation.
Manage and incorporate NCRF requirements into product, pricing, and underwriting strategies in support of company growth and profitability goals.
Design and implement strategic deviations and product enhancements to improve competitiveness while maintaining full regulatory compliance.
Serve as the primary North Carolina subject-matter expert across the organization, providing guidance on regulatory, pricing, and product decisions.
Partner closely with actuarial, underwriting, legal, compliance, claims, sales, and marketing teams to deliver timely, compliant, and market-responsive product changes.
Monitor regulatory developments, market trends, competitor actions, and high net worth customer needs to identify opportunities for innovation and growth.
Build and maintain strong relationships with regulators and represent the company effectively in regulatory interactions.
Lead, mentor, and develop analysts and product team members (where applicable), and serve as a thought partner to peers across the Product organization.
What we’re looking for
8+ years of relevant work experience in P&C insurance product management with demonstrated increased responsibilities over time. High net-worth personal lines insurance experience preferred.
Deep knowledge of the P&C industry, carriers and their markets, insurance product pricing, drivers of profitability; comprehensive understanding of insurance regulations.
Demonstrated expertise navigating the North Carolina regulatory environment, including NCRB rate structures, filings, circulars, and NCRF requirements.
Superior analytical and problem-solving skills, with the ability to transform data into insights and make sound, data-driven recommendations.
Strong relationship-building, influencing, and communication skills, with comfort engaging senior leadership and cross-functional partners.
High degree of personal organization, initiative, and ability to manage multiple priorities in a fast-paced environment.
What We Do
We're a member-owned property and casualty insurer designed exclusively for financially successful families and driven by a purpose of doing what is right for our members. Our reciprocal model focuses on service and doing what is right for the membership: we provide exceptional service, hospitality and care, we partner with our members to help prevent losses and we create smart insurance solutions at fair prices.
We aim for our members to love their insurance. It is our mission is to create a membership experience so compelling that our members never want to leave.
Who We Are
We want to be transparent about what we expect from each other. From PURE, you can expect:
Opportunities to stretch and grow: your professional and personal development matters to us. We’re committed to providing experiences through on-the-job learning and professional development that increase your impact and rewards.
Clarity and kindness: you can rely on us to be open, honest and supportive, offering clarity on what success looks like.
Support in good times and bad: we believe in showing up for each other consistently, not only when it’s easy. You can expect a thoughtful partner, even when we disagree.
A community that cares: we are committed to sustaining a community in which each person feels cared for as an individual. We lift each other up, celebrate wins together and support one another through challenges in work and life.
Who You Are
All of the strongest relationships are a partnership- a two way street. So here’s what we ask of you:
Aim to bring your best every day: you’re here because you want to be part of a team that makes a real impact and aims high.
Be a student and a teacher: share your knowledge and talents and be willing to listen and learn from those around you.
Get comfortable being uncomfortable: we face tough moments and obstacles with a “courage over comfort” approach and a positive, solutions-oriented mindset.
Be a culture builder: building a positive culture is everyone's responsibility, based on care, respect and openness to diverse perspectives.
The base salary for this role can range from $120,000 to $135,000 based on a full-time work schedule. An individual’s ultimate compensation will vary depending on job-related skills and experience, geographic location, alignment with market data, and equity among other team members with comparable experience
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