Job Description

Why We Need You:

We are seeking a Digital Product Manager to join our community. The Digital Product Manager is responsible for leading the strategy, development, and continuous improvement of AI-enabled digital products supporting our Property & Casualty (P&C) insurance business. This role provides persistent product ownership aligned to an end-to-end value stream (e.g., quoting & servicing, underwriting, claims, billing, customer self-service, and internal operations) and partners with business and technology leaders to co-create solutions that deliver measurable outcomes. The Digital Product Manager owns the product vision, roadmap, and performance over time, balancing customer experience, operational efficiency, regulatory requirements, and profitability, and plays a key role in quarterly increment planning, prioritization, and cross-team dependency alignment.

What You'll Be Doing:

• Define and communicate a clear product vision aligned to domain or function goals.
• Translate business objectives (retention, profitable policy growth, expense ratio reduction, loss cost management, service efficiency) into IT product outcomes and OKRs.
• Develop and maintain a product roadmap that balances near-term value with long-term platform and capability investments.
• Lead product preparation and participation in quarterly incremental planning (90-day planning), including outcomes/OKRs, sequencing, dependencies, and delivery confidence.
• Contribute to enterprise prioritization and trade-off decisions in partnership with leadership, Enterprise PMO, architects, and business stakeholders.
• Leverage AI/Co-pilot tools to support scenario analysis, prioritization, and trade-off decisions.
• Deeply understand the needs of policyholders, agents, underwriters, claim adjusters, and service teams.
• Identify friction points across the Property & Casualty (P&C) lifecycle (quote  bind  service  claim  renewal).
• Own the discovery and validation approach for assigned product areas (problem framing, hypotheses, validation plan), ensuring evidence-based decisions before delivery commitments.
• Use qualitative research, operational insights, and data analysis to validate problems and solutions.
• Use AI copilots to synthesize insights from customer feedback, call transcripts, claims notes, underwriting submissions, and operational data.
• Own and prioritize the product backlog (including data, model, and product features where applicable) based on value, risk, regulatory impact, learning, and delivery capacity; ensure items are outcome-driven and aligned to P&C workflows.
• Use MS Copilot to draft and refine epics, features, and user stories; improve clarity and consistency of acceptance criteria; reduce documentation overhead while improving quality.
• Partner with engineering, data science, UX, legal, and business stakeholders to deliver digital & technology products.
• Collaborate with teams using Copilot-enabled SDLC practices (AI-assisted coding, testing, documentation, and knowledge sharing).
• Partner with Enterprise / Domain Architecture to drive architectural coherence and platform leverage, including contributing to vendor and technology trade-offs in support of enterprise standards.
• Make informed trade-offs between model accuracy, explainability, speed to market, and regulatory constraints.
• Partner with the delivery teams to continuously improve time-to-market and delivery effectiveness.
• Partner with risk, compliance, and governance teams to support transparency, explainability, and auditability.
• Define and communicate the value case for roadmap items, including expected business impact and ROI for new products or feature enhancements, and track performance against intended outcomes.
• Define and track product performance using P&C-relevant metrics such as: Lead to Quote and Quote-to-bind conversion, claim cycle time and severity leakage, Customer satisfaction / NPS, Digital self-service adoption, cost to serve and operational efficiency.
• Use data and AI copilots to identify patterns, anomalies, and improvement opportunities.
• Hold teams accountable for outcomes, not just feature delivery.
• Use data and feedback to continuously improve outcomes post-launch.
• Serve as the primary point of accountability for AI-enabled products with business, technology, data, legal, and risk leaders.
• Communicate progress, trade-offs, and outcomes clearly to executive stakeholders.
• Ensure Copilot and AI usage complies with security, privacy, IP, and regulatory requirements common in P&C insurance.
• Apply appropriate human-in-the-loop controls for customer- or risk-impacting decisions.
• Clearly communicate progress, risks, trade-offs, and results to leadership.
• Clarify and maintain role boundaries to avoid unintended overlap with program/project management, while ensuring effective partnership and shared delivery alignment across roles.
• Demonstrate behaviors consistent with PEMCO's policies, values, code of ethics and business conduct.
• Authentically support the PEMCO Brand and constantly are on the lookout for top talent to join us to achieve our Mission to Worry Less and Live More.
• Other duties as assigned.

What You'll Bring:

• B.A. or B.S. degree or equivalent work experience
• 10+ years of experience in digital product management or product ownership
• Demonstrated experience delivering digital products in agile or product-centric environments
• Strong problem-framing, prioritization, and decision-making skills grounded in customer and business outcomes
• Experience working closely with engineering and design teams
• Ability to use data, metrics, and experimentation to guide decisions
• Excellent communication and stakeholder management skills
• Experience operating in a product-centric delivery model, including quarterly planning cadences and outcome-based prioritization
• Product management certification or formal training
• Familiarity with P&C domains such as underwriting, claims, policy administration, billing, or customer service
• Experience with core insurance systems, digital portals, or workflow automation
• Experience using AI copilots in product management, analytics, or delivery workflows
• Exposure to AI-enabled insurance use cases (e.g., decision support, document ingestion, knowledge assistants)
• Experience in using AI copilots to accelerate discovery, backlog management, delivery, and learning while maintaining strong human judgment, accountability, and governance appropriate for a regulated insurance environment is a strong plus
• Experience setting up or scaling Copilot-enabled SDLC processes in partnership with engineering and platform teams
• Familiarity with defining AI usage guardrails, workflows, and success metrics across the product and delivery lifecycle
• Experience balancing delivery acceleration with security, compliance, and audit requirements in regulated environments
• Experience with coaching product managers in product thinking is a plus
• Experience in guiding shifting IT to modern, product-centric organization
• Communicator: Communicates clearly and informatively, verbally and in writing, with colleagues, customers, and the community in both technical and non-technical professional language
• Business Environment: Has a thorough understanding of our industry, the relevant business landscape, and trends in growth and insurance environments; can spot early indicators of change and apply strategies to adapt quickly
• Independent: Is highly self-motivated and directed. Demonstrates the ability to work with limited direction, communicates relevant information to the appropriate levels during times of uncertainty.
• Project Management: Has a proven track record of driving and motivating cross-functional team members to successfully implement technology or business projects
• Analytical and data-driven: Thinks analytically - a structured thinker who can put complex ideas into clear frameworks; uses data to conduct root cause analysis and develops high-quality, consumable, and consistent metrics that drive strategic objectives and priorities
• Team Player: Is responsive, flexible, and able to succeed in a team-oriented, collaborative environment, building effective working relations and partnerships with internal partners, customers, and vendors. audiences

Compensation:

The pay range for this role is shown below. Compensation decisions are determined based on an individual's qualifications, job-related knowledge, skills, and experience.

• Greater Seattle area target pay range: $154,845-$189,255. The full pay range is $129,038-$215,063.
• Outside Greater Seattle area target pay range: $136,654-$167,022. The full pay range is $113,879-$189,797

Greater Seattle Area is defined as working within approximately 100 miles of Seattle. Outside Greater Seattle is defined as working approximately 100 miles or more from Seattle.

Benefits:

Regular part-time PEMCO employees working at least 24 hours per week and regular full-time PEMCO employees are eligible to elect coverage under medical, dental, and vision plans for themselves and their eligible family members with generous employer premium cost shares. In addition, as a benefits-eligible employee, you are:

• covered by employer-paid basic life and accidental death & dismemberment insurance policies as well as long- and short-term disability benefit coverages.
• eligible to participate in PEMCO's 401(k) plan, which includes a generous employer match (2 for 1 on the first 6% employee pre-tax and/or Roth deferral, up to federal maximums).

PEMCO provides the following paid leave programs for benefits-eligible employees in their first year of PEMCO employment:

• Vacation accrues at a rate of 10 days for new hires and increases based on a schedule to a maximum annual accrual of 25 days based on tenure.
• Granted four (4) floating holidays immediately upon hire.
• Paid holidays for the eight (8) holidays observed by PEMCO throughout the calendar year.
• Granted up to ten (10) days of sick leave immediately upon hire (pro-rated based on hire date and full-time/part-time status), which is approximately 28 hours more per year than the Washington state-required accrual.
• Paid time off for bereavement, jury duty, and employee volunteering in the community.

Other miscellaneous benefit programs offered by PEMCO include:

• Flexible Spending Accounts.
• Education Assistance Program after one year of service.
• Scholarship program for children of PEMCO employees after one year of service.
• Employee Assistance Program.
• Well-being program.
• Discretionary taxable gifts and gift cards.
• And other Perks & Benefits, including discounts on computer software and hardware, cell phone plans, and rental cars.

Other compensation, depending on role, contributions, and performance, may include:

• Discretionary bonuses.
• Tiered sales commissions and/or incentives (from 5-25% of employee's monthly sales).
• Employee referral bonuses.
• Shift differential pay.