State Product Manager - Personal Lines (Alternative Distribution)

If you're passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide's Property and Casualty team could be the place for you! At Nationwide®, "on your side" goes beyond just words. Our customers and partners are at the center of everything we do and we're looking for associates who are passionate about delivering extraordinary care.

We are seeking a Product Manager to lead Product and Portfolio Management for our Alternative Distribution channel nationally. This emerging insurance distribution channel consists of carrier partners, embedded OEM/Mortgage/Life integrations, franchise and strategic partnerships that operate on a national scale. This position offers the opportunity to shape agent experience, apply core Product Management principles, and collaborate with industry leading partners.

Key Responsibilities:

• Portfolio Management: Develop strategies and tactics to manage Alternative Distribution firms to profit and growth goals.
• Strategic Collaboration: Work closely with Relationship Management and State Management Teams to implement action plans that promote sustainable, profitable growth.
• API Experience: Serve as the subject matter expert as experience teams optimize agency integration patterns and how Nationwide's rate is presented alongside other carriers.
• Analytics & Forecasting: Engaging in portfolio analysis, agency reviews, dashboard analytics, and forecasting
• Cross-functional Communications: Communicate the Alternative Distribution strategy across business units to ensure alignment and execution

Ideal candidates would demonstrate:

• Strong strategic and critical thinking skills support by an entrepreneurial mindset
• A track record of generating clear, data-driven insights
• Excellent communication skills with ability to influence and align stakeholders
• Experience managing states or distribution to P&L objectives or demonstrated leadership in portfolio management
• People leader experience

Job Description Summary Our work is essential to helping Nationwide build future capability to serve customer needs. Keeping existing products relevant and marketable and building new products takes research, critical thinking, practicality and collaboration. If you enjoy gathering input and information, working independently and on a team and creating innovative solutions for customers, we want to know more about you!

The State Manager creates multi-year state-specific business strategy to drive our Personal Lines Portfolio of products to meet or exceed top and bottom-line performance aligning to enterprise goals and strategy. This position is responsible for driving strategic alignment through the launch and refinement of product offerings (pricing, underwriting appetite and product structure and enhancements) and distribution strategy. This includes developing and implementing plans and processes related to financial planning, rate reviews, market development and communication of state management.

Working directly with PL business stakeholders, the State Manager aggressively collaborates in the development, execution and monitoring of operating plans resulting in P&L objectives, including the areas of combined ratio, revenue growth, regulatory management, and legal compliance. The State Manager is responsible for building winning strategies to address complex business issues such as maximizing the opportunity of assigned state markets. Your work will support regional and corporate objectives through ongoing analysis and monitoring of results and communicating results with leadership, distribution and underwriting partners.

Keeping existing state strategic direction relevant, competitive, and profitable requires research, critical thinking, practicality and collaboration.

Job Description Key Responsibilities:

• Develop, implement, and manage strategic plans for assigned states, incorporating top/bottom line performance designed to meet or exceed Personal Lines objectives.
• Owns strategy and performance for assigned state(s).
• Analyzes and reviews financial results, product profitability, business mix and competitive information and forecasts performance.
• Collaborate with Sales, Marketing, Operations, Claims, Actuarial, Underwriting, Technology, and Legal to align stakeholders in the execution of state-specific strategies.
• Monitor performance, communicate and influence action to address product/pricing issues, strategies, and financial results with appropriate stakeholders and leadership.
• Maintains in-depth knowledge of the personal lines industry, state markets, regulatory environment, and current economic and business trends.
• Develop and maintain formal relationships with state regulatory agencies and trade associations.
• Coordinate and facilitate communication across functions and state management team.
• Applies judgment, understanding and curiosity to data and provides high level analysis considering multiple complexities to build fully developed solutions.
• Communicates information regarding products, pricing and organizational decisions to internal and external partners verbally and in writing.
• Translates data and strategic concepts into understandable communications to be shared with multiple audiences.
• May participate in cross functional teams to complete projects or support the business.
• Provides strong leadership, is approachable, and instills trust at all levels.
• Lead all aspects of associate management including performance, salary planning and administration, training and development, workflow and organization planning, day-to-day management, hiring and placement and disciplinary actions for direct reports.
• May perform other responsibilities as assigned.

Reporting Relationships: Reports to AVP, State Product Manager - Personal Lines or Sr State Product Manager - Personal Lines. Up to two direct reports and no indirect reports.

Typical Skills and Experiences:

• Education: Bachelor's degree in insurance, actuarial science, mathematics, risk management, economics, finance, accounting, business administration or related subject area or Master of Business Administration degree preferred.
• License/Certification/Designation: Progress toward or completion of CPCU, AU CIC, INS ARM, actuarial exams or similar designations preferred.
• Experience: Eight years of experience in underwriting or product preferred. Cross-functional experience from other areas and experience with data analysis preferred.
• Knowledge, Abilities and Skills:
• Detailed knowledge of core business functions, personal lines insurance products and pricing architecture, state regulations, underwriting procedures and standard methodologies.
• Solid understanding of financials, trend analysis and competitor data.
• Proficiency in analytical tools, relational databases, data visualization techniques, query-based language and/or statistical software experience preferred.
• Excellent verbal and written communication skills to present information, communicate and influence internal and external partners at all levels.
• Skilled in the use of related systems and analytical tools.
• Ability to drive for results, deal with ambiguity, solve problems, learn on the job, make quality decisions, see trends and patterns within data.
• Ability to manage projects, opposing priorities, timelines and resources to complete work.
• Strong organizational agility and political savvy preferred.

Other criteria, including leadership skills, competencies and experiences may take precedence. Staffing exceptions to the above must be approved by the hiring manager's leader and HR Business Partner. Depending on level, the approvers may change.

Values: Regularly and consistently demonstrates Nationwide Values.

Job Conditions: Overtime Eligibility: Not Eligible (Exempt) Working Conditions: Normal office environment. ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.

We currently anticipate accepting applications until 04/23/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.

Benefits We have an array of benefits to fit your needs, including:

• medical/dental/vision
• life insurance
• short and long term disability coverage
• paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date
• nine paid holidays
• 8 hours of Lifetime paid time off
• 8 hours of Unity Day paid time off
• 401(k) with company match
• company-paid pension plan
• business casual attire
• and more.

To learn more about the benefits we offer, click here.

Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.

This position could be filled within any of the lower 48 U.S. states.

Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247.

For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf

NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.

Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule.

The national salary range for State Product Manager - Personal Lines: $97,000.00-$180,000.00 The expected starting salary range for State Product Manager - Personal Lines: $97,000.00 - $145,000.00