Senior Product Manager, Insurance Products

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. 

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone. 

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families! 

About the Role

Ethos is looking for a Senior Product Manager to lead our expansion into new insurance- and insurance-adjacent- products. Adding new insurance products  is an important lever to expand our total addressable market (TAM), drive growth in both our Direct-to-Consumer and Partnerships (third-party agent) business, and ultimately further our mission to protect the next million families.

In this role you will lead market research to understand which insurance shopper segments are unserved or underserved by our current insurance product suite, and work backwards from consumer needs to determine best-fit insurance products. On the Partnerships side of our business, you will help us understand how independent insurance agents choose which insurance products they offer their customers. You will collaborate with our Risk and Actuarial team to partner with the right insurance carriers, and with our platform and UX teams to seamlessly integrate new insurance products into our digital consumer experience. While you will relentlessly focus on consumer outcomes, you will also drive decisions in a way that improves our unit economics. 

We’re looking for entrepreneurial product leaders who are mission-oriented, hungry to learn, and value high ownership, speed, and intellectual rigor. Prior insurance experience is nice to have, but not a requirement, for the role. 

Key initiatives will include:

• Building the business case for, and integrating new insurance and insurance-adjacent products into our Direct-to-consumer digital shopping experience.
• Optimizing the consumer experience for existing insurance products (e.g. pricing, and consumer-product matching logic)
• Understanding insurance agents’ needs, and adding new insurance products to our platform that will be distributed via our partnerships (agent) network
• Collaborating with our marketing team to ensure that go-to-market strategies are aligned with existing and new products
• Partnering with other product managers to think through the entire customer journey
• Playing an active role in recruiting the next set of amazing product leaders at the company
• Working with 
• Creating a clear and compelling medium and long-term vision for a specific Ethos product area
• Launching new products in collaboration with 3rd party partners
• Optimizing our portfolio of life insurance experiences focused on accessibility, simplicity, and driving business results
• Collaborating with our cross functional team members to ensure alignment 
• Partnering with other product managers to think through the entire customer journey

In this role you can expect to:

• Analyze consumer needs and new-product opportunities through a combination of consumer (shopper, agent, carrier) interviews, industry research, and data analysis. 
• Analyze data, build models, and collaborate with Finance to project the financial impact of new insurance product launches.
• Build novel, zero-to-one experiences. Much of what you build may not exist at Ethos, amongst competitors, or the industry at large.
• Lead through influence. You will have to collaborate with experts in their respective areas, build alignment, and drive outcomes that are in the best interests of consumers and the business. 
• Work cross functionally with Risk and Actuarial,  Engineering, and UX Design teams, to integrate new insurance products into our digital shopping experience, and optimize flows for existing insurance products
• Get your hands dirty and drive the product development process for your product from ideation to launch to impact analysis, collaborating with many teams along the way
• Develop a longer-term roadmap for your domain, and lead quarterly- and annual- planning efforts 

To thrive in this role, you have:

• Experience deeply understanding consumers’ needs, and strong motivation to tackle their problems
• The ability to balance perspectives from different consumer groups (shoppers, agents, carriers) and internal stakeholders to drive decisions
• Strong collaboration skills in team environments but able to act quickly as the decision-maker
• An owner’s mindset - you don’t shy away from the hard stuff. Ability to drive projects from business case to shipped product, navigating pushback and obstacles along the way
• A ruthless focus on impact, and driving consumer and business outcomes
• A desire to move quickly in a startup environment

We’d love to hear from you if you have…

• A minimum of 5 years of experience analyzing consumer and market needs, and launching products with clear, demonstrated results
• A strong analytical orientation -- an ability to derive insights from qualitative and quantitative data to drive decisions and measure the success of initiatives. 
• A demonstrated ability to lead through influence, and work cross-functionally across teams to ship products that delight customers and deliver on company goals
• A sense of urgency and the ability to achieve impact in a fast-paced environment
• A strong track record of growing products or businesses you’ve worked on, both in terms of usage as well as user affinity
• A solid design and technical understanding such that you can engage with your counterparts in a productive manner
• A STEM undergraduate and/or master’s degree (preferred, but not required)
• Prior experience in Insurance (preferred, but not required)
  
  

Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.