Personal Lines Product Manager

We are seeking a Personal Lines Product Manager responsible for evaluating, analyzing, developing products and establishing prices, implementation and maintenance of Personal Lines programs to achieve production and profitability.  This is a hybrid role reporting to the Harrisburg, PA office.  POSITION COMPETENCIES  * Business Acumen  * Negotiation  * Results Oriented  * Time & Priority Management  * Decision Making  ESSENTIAL DUTIES AND RESPONSIBILITIES  * Provides technical support, develops best practices related to emerging issues, educational materials, training for products and programs, auditing field underwriting performance, participates in the strategic direction of the division including the development of new products and services.  * Utilizes predictive modeling analyses to improve product pricing and reduce rate subsidization to support production and profitability goals. * Serves as liaison to regulatory bodies for changes to state regulations by rate bureaus/regulatory bodies and vendors for implementation/revision of new products and services. * Provides technical support for products, programs and pricing develops trends and project problems. * Monitors performance of assigned states, loss ratios, demographics, market and industry trends, legislative and regulatory activities etc. to anticipate problems and proactively design corrective actions to address profitability issues and develop innovative resolutions to enhance products, profitability and goals. * Continuously refines product strategy through the timely creation of new and improved coverage offerings, underwriting guidelines, and pricing that ensure Personal Lines Product Portfolios remain competitive in marketplace for their assigned states to support production and profitability goals. * Continue to ensure that Personal Lines Product Portfolios (coverage, underwriting, and pricing) remain in compliance with new laws, bulletins, and bureau mandates for their assigned states. * Coordinates the rate review process for assigned states to ensure timely implementation of rate changes that reflect personal lines strategic direction to support production and profitability goals. * Prepare communication to agencies and internal staff regarding product changes.  ADDITIONAL RESPONSIBILITIES * Keeps abreast of market and industry developments through industry publications, agency interviews, discussions with field personnel, reviews of field results and network contacts including participation in trade organization meetings and seminars. * Applies data to solve common business problems. * Compiles, manipulates and analyses data of varying complexity. * Knowledgeable and proficient about what tools are available for data analysis and when they are appropriate to use. * Performs thorough competitive analyses to identify and implement new pricing opportunities that support production and profitability goals. * Performs other duties as may be assigned by the Vice President, Personal Lines.  SPECIAL RELATIONSHIPS  * Direct communications and negotiations with agencies, rate bureaus, and with vendors as directed by VP, Personal Lines * Develop and maintain a strong communication with Underwriting and Territory Managers.  QUALIFICATIONS Education/Credentials  * Bachelor’s degree in Mathematics, Statistics, Economics, or Finance preferred * Multiple CPCU exams or equivalent industry experience preferred Experience  * 2 years of personal lines pricing or underwriting preferred * Strong working knowledge of Excel, Access, Comparative Rater software, Data Visualization Tools * General data mining and analysis Technical/Professional Knowledge * Knowledge of the property and casualty industry to include, insurance coverages, competition and legislative environment to provide growth and profitability opportunities for the company   * Knowledge of ratemaking procedures and pricing structure * Strong listening and communication skills to influence negotiate with individuals internal and external to the company   The compensation has been carefully determined by considering a variety of important factors, including skill sets, experience, training, and certifications. With these considerations in mind, the estimated hiring range is $75,000 – $104,000. Additionally, you may be able to participate in our annual incentive program, depending on eligibility under the plan.  JOB REQUIREMENTS (as required by ADA – Americans with Disabilities Act) * This position is primarily a sedentary position that requires occasional standing and walking throughout the office environment. * Must be able to perform computer-based tasks and access digital information necessary for job duties, including through the use of assistive technologies. * Must be able to complete computer-based tasks and utilize office equipment as needed to perform essential job functions. * Must be able to access and enter information accurately using automated systems. * Must be able to communicate effectively with internal and external clients using telephone, electronic, or other communication systems. * Must be able to present information to individuals and groups. * Must be able to interpret and apply concepts that may or may not be based upon established guidelines. * Must be able to maintain acceptable attendance and adhere to scheduled work hours. * Must have a valid driver’s license and be able to operate a motor vehicle. * Must be able to travel, with overnight stays required.   Why Choose Penn National Insurance? At Penn National Insurance, we’re on a mission to help people feel secure and make life better when bad things happen. For over 106 years, we’ve been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do.  We’re not just a company—we’re a community united by our core mission to “Make Life Better.” Here, you’ll find a place where your professional growth, success and personal well-being are our top priorities.  Your Career Journey: Empowering Your Growth Your career should be more than just a job—it should empower you to feel secure, supported and inspired. At Penn National Insurance, we invest in your growth and celebrate your contributions with a comprehensive and competitive total rewards package. We’re committed to supporting your journey and helping you thrive at every stage of your career. Key highlights include: * Benefits and Compensation: Generous 401(k) match, graded profit sharing, incentive compensation, and a wide range of benefits to support your financial health, physical well-being and career development. * Flexibility: We offer remote and hybrid work options, flexible scheduling and a “dress-for-your-day” culture. * Recognition: We celebrate your achievements, big and small, through employee recognition programs designed to honor your contributions. Your Employer of Choice: A Legacy of Trust and Strength Joining Penn National Insurance means becoming part of a company with over a century of experience, built on trust, innovation and strong relationships. From our beginnings as a mutual insurance company founded by farmers to our 100th anniversary in 2019, we've stayed true to our relationship-driven model, focusing on direct service and meaningful support.  Your Community: Making an Impact Together Making life better isn’t just our mission—it’s a value that guides everything we do. Our employees are at the heart of this mission, giving back through community engagement and charitable efforts. We proudly support our community through financial support and employee volunteering opportunities including our annual United Way campaign, where employee contributions and company matches make a significant impact each year. Your Future: Building a Rewarding Career Path We’re not just offering a job; we’re providing a fulfilling and rewarding career. We support your growth with a range of resources designed to help you build your skills and achieve your goals, including: * Continuing Education Support: Access to programs that help you enhance your knowledge, skills and educational goals along with 100% tuition reimbursement for academic studies. * Professional Development Opportunities: Tailored designation programs to help you advance in your career such as CPCU, AINS, CPA, CISSP, and more. * Long-Term Career Focus: With an average employee tenure of 14 years and many team members serving for over 40 years, we take pride in fostering a work environment that values long-term growth and development. When you join us, you’re not just starting a job—you’re becoming part of a team that values your growth and invests in your future. Our commitment to long-term retention and employee development ensures that you will be part of a tradition and legacy of excellence that spans decades. Only candidates from the following states will be considered for opportunities with Penn National Insurance and Inservco Insurance Services: Alabama, Delaware, Iowa, Maryland, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin – unless specifically stated otherwise in the job posting. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, creed, affectional and sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. Consistent with the Americans with Disabilities Act (ADA) and EEOC guidance, it is the policy of Pennsylvania National Insurance to provide reasonable accommodations to qualified individuals with disabilities in all aspects of the employment process. If you require a reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to a HR Business Partner via telephone at 800-368-4764, or through email [HRBusinessPartner@pnat.com].