Senior Product Analyst – Personal Auto Insurance

American Freedom Insurance Company (AFIC) is a leader in the nonstandard automobile insurance industry. We are a consistently expanding, midsized, highly profitable company doing business in Illinois, Indiana, Pennsylvania, Tennessee, Texas, and licensed in Ohio. We are looking for a motivated and analytical professional to contribute their skills in a fast-paced and growing organization.

As a member of our Product Management team, the Senior Product Analyst will play an important role in evaluating state performance, analyzing pricing and profitability trends, supporting regulatory initiatives, and identifying opportunities to improve our Personal Auto insurance products with the potential goal of developing into a Product Manager.

This position is ideal for an insurance professional with strong analytical skills who enjoys working with data, researching market trends, and translating findings into actionable business recommendations.

Responsibilities

• Analyze Personal Auto insurance performance across multiple states, including loss ratios, premium growth, retention, policy counts, producer performance, and overall profitability.
• Evaluate pricing strategies, rate changes, underwriting results, and product performance to identify trends, risks, and opportunities for improvement.
• Develop and maintain reports, dashboards, and analytical models. Identify key trends and provide actionable recommendations to Product Management and senior leadership.
• Conduct competitive analysis and market research to evaluate pricing, coverage offerings, underwriting practices, and industry trends.
• Support the development and evaluation of rate, rule, and form changes in collaboration with Product Management, Underwriting, Actuarial, Claims and other internal teams.
• Assist with the preparation, coordination, and implementation of state insurance rate and rule filings through SERFF.
• Research state insurance regulations and assist with regulatory inquiries, compliance reviews, and market conduct examination requests.
• Partner with Marketing, Claims, Underwriting, IT, Finance, and other departments to evaluate product performance and implement improvements.
• Identify opportunities to improve profitability, operational efficiency, and the customer and agent experience through data-driven recommendations.
• Utilize analytical tools, automation, and AI-powered technologies to streamline reporting and improve business insights.
• Prepare presentations and communicate findings and recommendations to Product Management and senior leadership.
• Assist with evaluating new market opportunities, product enhancements, and potential state expansion initiatives.