VP, Product, Underwriting & Insurance Products

Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America.

We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets. As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents. Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands.

Job Profile Summary

The Vice President, Product, Underwriting & Insurance Products is a strategic executive leader responsible for the development, pricing, underwriting, profitability, regulatory compliance, and ongoing management of pet insurance products across North America. This role leads product & pricing strategy, actuarial analytics, underwriting philosophy, and product innovation to drive sustainable growth, customer value, and underwriting profitability.

The VP will partner closely with the carrier, product, operations, finance, legal, and commercial teams to develop and implement innovative insurance products, pricing strategies, underwriting standards, and go-to-market initiatives. This leader is accountable for delivering profitable growth, maintaining regulatory compliance, optimizing performance, and transforming product and underwriting capabilities to support long-term business objectives.

Job Description/Key Responsibilities:

Product Strategy & Management

• Develop and execute short and long-term product strategies aligned with company growth and profitability objectives.
• Lead the design, development, implementation, and enhancement of pet insurance products, pricing structures, coverage offerings, and underwriting programs.
• Conduct market research, competitive analysis, and industry trend assessments to identify opportunities for innovation and product expansion.
• Establish annual business plans, budgets, and performance objectives for Product and Underwriting functions.
• Ensure products, services, pricing, and risk eligibility guidelines meet the evolving needs of customers, MGA partners, and strategic stakeholders. Oversee go-to-market strategies and product implementation initiatives across all channels.

Pricing, Actuarial & Analytics Leadership

• Direct actuarial analyses, pricing strategies, and financial modeling to support growth and profitability targets.
• Leverage advanced pricing methodologies utilizing predictive analytics, statistical modeling, and emerging data sources.
• Analyze portfolio performance, loss trends, retention metrics, utilization patterns, and profitability at both geographic and product levels.
• Establish management reporting and KPIs to monitor business performance and identify corrective actions when necessary.
• Drive continuous enhancement of pricing sophistication and analytical capabilities to maximize underwriting margin and customer retention.

Underwriting & Risk Management

• Establish and maintain underwriting philosophy, policies, procedures, risk acceptance guidelines, and governance frameworks.
• Ensure underwriting execution aligns with strategic objectives, regulatory requirements, and profitability goals.
• Conduct underwriting and claims audits to evaluate performance, compliance, and operational effectiveness.
• Develop and maintain underwriting manuals, rules, rating plans, guidelines, and related documentation.
• Monitor underwriting quality, portfolio mix, and emerging risk trends, implementing action plans to address adverse developments. Collaborate with internal and external partners to optimize risk assessment and risk management practices.

Regulatory & Compliance Oversight

• Lead the development, maintenance, filing, and approval of policy forms, endorsements, rates, rules, and product documentation.
• Prepare and submit state regulatory filings and respond to regulatory inquiries and objections.
• Ensure compliance with all applicable insurance regulations across the United States.
• Maintain strong relationships with regulators, industry associations, carrier partners, and external stakeholders. Provide oversight for underwriting compliance and governance requirements.

Partner & Stakeholder Management

• Build and maintain strong relation…