Sr. State Product Manager - Personal Lines

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.

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 Senior State Manager leads strategic direction for states with high complexity and strategic value, ensuring execution of multi-year plans to achieve P&L objectives. This role serves as the primary owner for 1–2 states of significant importance and may provide oversight and leadership for additional states through direct reports. In addition, the Sr. State Manager drives high-impact, enterprise-level initiatives and milestones that influence countrywide product strategy. This position requires advanced expertise in product development, pricing, underwriting appetite, and distribution strategy, with a focus on delivering top and bottom-line performance aligned to enterprise goals. The role demands exceptional leadership, strategic thinking, and collaboration to ensure profitability, competitiveness, and regulatory compliance across diverse markets.

Job Description

Key Responsibilities:   

• Lead high-value states and influence countrywide personal lines strategy, lead countrywide initiatives and milestone efforts.

• Has primary ownership for 1-2 with high strategic value and/or complexity. May oversee additional states via direct reports.

• Analyzes product performance and proactively finds opportunities at state, line of business and agency level. Identifies and analyzes key product, performance and profitability drivers such as distribution, rate structure and rules performance to validate assumptions, identify adverse impacts, trends and solutions.

• Applies judgment, understanding and curiosity to data and provides high level analysis considering multiple complexities to build fully developed solutions. Analyzes and reviews financial results, product profitability, business mix and competitive information and forecasts performance. May coordinate the analysis of others to include larger reviews.

• 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. 

• Build influential relationships with regulators and trade associations. Anticipate regulatory shifts across market.

• Influences decisions with internal and external partners at all levels that impact national plan and geographic responsibility. 

• 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 and possibly indirect reports. 

May perform other responsibilities as assigned.

Reporting Relationships: Reports to AVP, State Product Management. Direct reports may include roles at the manager level and below.

Typical Skills and Experiences:   

Education: Bachelor’s degree in insurance, actuarial science, mathematics, risk management, economics, finance, accounting, business administration or equivalent 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: Ten years of experience in underwriting and product preferred. Cross-functional experience from other areas and experience with data analysis preferred.

Knowledge, Abilities and Skills: Detailed knowledge of core business functions, 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 necessary 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 fly, 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: Exempt (Not Eligible)

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 Sr State Product Manager - Personal Lines : $122,000.00-$214,000.00

The expected starting salary range for Sr State Product Manager - Personal Lines : $122,000.00 - $182,000.00