Job Description

Lighthouse Risk is currently seeking a Commercial Property Product Manager to join our team in Dallas, TX.

Position Overview:

The Commercial Property Product Manager will serve as the hands-on leader of our product function, responsible for shaping, managing, and continuously refining our commercial property product suite across all states. This is a deeply technical, analytical, and execution-focused role—not a pure strategy or oversight position. You will build and maintain rating tools, translate underwriting intent into system functionality, manage form changes, and ensure our products perform consistently and competitively.

Pricing, Rating, and Product Mechanics

• Build, maintain, and optimize Excel raters and rating logic for all states and property segments.
• Implement pricing adjustments and rating model updates based on market conditions, limited data, competitive forms, and emerging loss drivers.
• Work hands-on with SQL, Python (or similar tools) to perform analyses, validate rating outputs, and support underwriting decisions.
• Collaborate with underwriting leadership to convert qualitative risk insights into quantitative rating changes.

Forms Management & Coverage Design

• Evaluate market forms, emerging industry changes, and loss trends to drive rapid updates to policy forms and endorsements.
• Draft, refine, and version new forms with agility—focused on real-world risk issues and competitive needs rather than regulatory compliance.
• Ensure form changes align with underwriting appetite and system logic.

Systems Integration & Quality Assurance

• Work closely with our systems lead, engineering/vendor partners, and rating platform to ensure rating logic is built correctly and efficiently.
• Validate end-to-end product workflows: rating, quoting, binding, policy issuance, and document generation.
• Troubleshoot discrepancies and ensure system outputs match intended product design.

Risk Intelligence & Data Innovation

• Explore, evaluate, and implement new data sources (property intelligence, risk scores, hazard models, CAT data, third-party data providers).
• Develop structured approaches for testing data utility and integrating insights into rating, underwriting rules, and workflows.
• Partner with underwriting, systems, and analytics to enhance automation and decision accuracy.

Cross-Functional Collaboration

• Work with underwriting leaders to understand appetite and convert vision into executable product rules.
• Support distribution strategy by providing product clarity, training, and competitive differentiators.
• Ensure product changes are communicated clearly and documented appropriately.

Requirements:

• 3+ years of experience in P&C insurance product, actuarial, or related analytical roles—E&S or commercial property strongly preferred.
• Prior experience in an MGA or startup environment.
• Experience with third-party property data providers and risk scoring models.
• Familiarity with catastrophe models and commercial property hazard datasets.
• Experience working in an environment with limited hierarchy and high ownership responsibility.
• Advanced proficiency with Excel, including complex rating logic, lookup structures, macros, and scenario modeling.
• Practical experience writing and using SQL; strong data manipulation and validation skills.
• Proficiency with Python (or R/other statistical programming languages) for data analysis and experimentation.
• Demonstrated understanding of statistical concepts (credibility, trends, correlation, segmentation, distributions).
• Direct experience working with policy forms and endorsements; ability to analyze and adapt forms quickly.
• Experience collaborating with systems/technology teams on rating engines, product builds, or insurance platforms.
• Comfort making judgment-based decisions with imperfect data in a fast-moving environment.

Learn more about Lighthouse Risk at

Must be able to successfully pass pre-employment (post-offer) drug screen and background check.

Lighthouse HR Services is committed to equal employment opportunity for all persons regardless of race, color, religion, sex, age, national origin, citizenship status (as defined under the Immigration Reform and Control Act), disability, or marital status, sexual orientation or veteran’s status. Lighthouse HR Services is also committed to providing all of its internship programs and activities on a nondiscriminatory basis.

Equal employment opportunity extends to all aspects of the employment and/or internship relationship including hiring, recruiting, interviewing, selection, transfer, promotion, training, working conditions, compensation, benefits, and other terms and conditions of employment.

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