Director of Insurance Product

Pumpkin promises uncompromising care to the cats & dogs we love unconditionally. By helping prevent future health risks and ensuring access to gold-standard veterinary medicine and individualized support when it matters most–we aim to enable $1/2B in life-extending and life-saving treatment over the next five years.

How we’re making this happen:

Premium Insurance: Best-in-class coverage to enable the best, most advanced treatments and therapies when it matters most – without compromise

Innovative Wellness Plans: Personalized preventive care products designed with vets to prevent, reduce, and detect health risks earlier to extend quality of life

5-Star Experience: Concierge service & experience powered by pet experts and industry-leading technology to make decisions and providing care stress-free & frictionless

Mission-Driven Culture: We put pets' best interests at the center of everything we do. We dream big and solve big problems. We embrace speed, agility, and fearlessness to jump the highest fences, dig new and bigger holes, and fight for the toys we believe in.

Pumpkin is looking for a Director of Insurance Product to build and manage pet insurance offerings and drive significant business growth. Reporting to the COO and working closely with our leadership team and our partner carrier, you'll spearhead the introduction of innovative pet insurance product features that will set new industry standards, and manage the evolution of our existing product line. Your strategic acumen and hands-on product management expertise will be instrumental in delighting our pet parent customers and veterinary partners while optimizing our market position. You'll be the driving force behind our product development, directly impacting premium growth, market success, and profitability. Your recommendations on product design, pricing, underwriting, and distribution will shape the future of our business. By fostering key relationships with our carrier partner and internal teams, you'll create a seamless ecosystem that propels our Pumpkin forward. Leading a high-caliber team of an actuary and a data scientist, you'll harness cutting-edge analytics to inform critical business decisions and cement our position as an industry leader.

This will be a fully remote position. Some travel will be required (~15%)

What You'll Do:

• Create and own Pumpkin’s pet insurance product strategy and manage existing insurance product life cycle, in collaboration with the carrier, while ensuring compliance, effectiveness and profitability of insurance product operations. 
• Direct and lead policy development for various distribution channels, with a strong focus on assessing market, customer and vet needs, as well as risk factors and ability to effectively impact loss ratio.
• Leverage data and analysis to provide critical business insights, strategies and solutions.
• Maintain a strong understanding of industry trends and competitor analysis for current and future market developments.
• Guide analyses utilizing modern statistical modeling and application in insurance pricing and risk selection.

What We're Looking For:

• 10+ years of insurance underwriting experience within property & casualty (P&C) or accident & health (A&H) insurance product management
• 5+ years in progressive management roles, with experience guiding cross-functional teams including actuaries, underwriters, and data scientists
• Proven track record of successfully developing and launching profitable insurance products that meet regulatory requirements
• Experience with DOI filing processes and navigating complex regulatory landscapes
• Expertise in risk assessment and profitability analysis, with a history of optimizing product performance
• Bachelor's degree in insurance, actuarial science, mathematics, risk management, economics, finance, accounting, or related field
• Insurance licenses or designations such as CPCU, ARM, ASLI, or AU

Bonus Points:

• Pet insurance experience
• Experience working for both carriers and MGAs

The compensation for this position ranges from $145,000- $180,000 (annually). Compensation may vary outside the listed range, based on a number of factors including but not limited to location, qualifications, performance, skills and experience. The compensation range listed is just one component of Pumpkin’s total compensation package for employees. Total compensation packages, depending on the position, may also include incentive compensation, discretionary bonuses, and other short or long-term incentives. If hired, employees will be in an ‘at-will position’ and Pumpkin reserves the right to modify compensation (as well as any other discretionary payment or benefit program) at any time, including for reasons related to individual performance, company or individual department/team performance, and market factors.

Pumpkin's Core Values:

Pets Come First: Put what’s best for pets at the center of everything we do

Trust the Pack: Help families make empowered pet care decisions

Jump Fences: If there’s a will, there’s always a way over them

Share Toys: Be generous with our gifts and amazing things will happen

Dig New Holes: Challenge conventions to create the future of pet health care

Pumpkin is proud to be an affirmative action and equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, age, protected veteran status, or any other characteristic protected by federal, state or local laws.