About the CompanyArbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.What You'll Be DoingDeliver profitable growth in managed states/territories through understanding markets, loss trends, and regulatory requirementsDevelop, implement, monitor, and recommend changes to personal property insurance productsAnalyze product performance metrics (loss ratio, frequency, severity, hit ratio, retention, etc.) and recommend/implement changes to optimize resultsConduct sophisticated analysis of product mix, quote-to-bind conversion rates, claims frequency, and retention strategies.Identify and evaluate new market opportunities through complex market analysis and competitive intelligenceCoordinate with the pricing team to develop competitive pricing structures using ISO tools, proprietary rating elements, and advanced economic modelsDesign and recommend automated compliance systems to improve operational efficiencyServe as subject matter expert for regulatory initiatives and state-specific requirementsPartner with actuarial on rate selection, and execute filings for rates, rules, and formsMonitor the competitive environment by gathering intelligence from marketing and our agents and analyzing competitor rate changesUnderstand all relevant regulations and work with regulatory entities to secure filing approvalsGuide and support Business Analyst and IT resources to deliver product changes accurately and on timeWhat You'll NeedThree or more years of property & casualty product management or insurance experienceExcellent quantitative analysis capabilities and experience working with large datasetsStrong leadership, communication, and problem-solving abilitiesExperience working in a fast-paced, team-oriented environment with shared resourcesCPCU, actuarial exams, or other related insurance coursework preferredSalary$90,000 - $125,000 a yearEssential Job Functions & Physical RequirementsAbility to sit for extended periods of time while working at a computer, with or without reasonable accommodationAbility to use a computer, keyboard, mouse, and standard office equipment (e.g., phone, printer, scanner)Ability to view a computer screen for prolonged periods, with or without reasonable accommodationAbility to communicate effectively in person, by phone, and via emailAbility to occasionally stand, walk, bend, and reach within an office environmentAbility to lift and/or move up to 10–15 pounds occasionally (e.g., office supplies, files), with or without reasonable accommodationAbility to perform repetitive motions, such as typing or data entryAbility to maintain focus and attention while performing detailed tasksInterested, but you don’t meet every qualification? Please apply!AccessibilityArbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview, please contact [email protected]BenefitsArbol is proud to offer its full-time employees competitive compensation and equity in a high-growth startup. Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge.Equal Opportunity EmployerArbol is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, veteran status, or any other legally protected status.Arbol participates in the E-Verify program to confirm employment eligibility.AI disclaimerWe may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.