Product Analyst

Job Title: Product Analyst

Location: Hybrid - Saint Petersburg, Florida, United States

Salary: $110,000-$130,000

Skills: property and casualty insurance, sql, python

About the Insurance Company / The Opportunity:

Join a company in the insurance industry focused on developing competitive products and supporting profitable growth through data-driven decisions. As a Product Analyst, you will apply statistical analysis, market insight, and product expertise to evaluate pricing, performance, and reinsurance costs. This hybrid opportunity offers close collaboration with product, technology, and business teams to inform product improvements and strengthen results.

Responsibilities:

• Coordinate reinsurance modeling to monitor catastrophe reinsurance costs and recommend cost-control actions.
• Analyze underwriting variables, premium and loss trends, and statistical relationships to support profitable growth.
• Apply statistical methods to assess uncertainty, identify patterns, and make data-informed recommendations.
• Forecast premium growth, track the outcomes of business initiatives, and recommend next steps.
• Review budget variances and develop business cases to support revenue improvement.
• Monitor competitor rate filings and prepare rate comparisons across segments, states, and programs.
• Partner with product managers to document business rules and support product, pricing, and filing updates.
• Collaborate with IT and business teams to validate that system changes meet product requirements.

Must-Have Skills:

• Knowledge of property and casualty insurance products, pricing, and underwriting.
• Proficiency in SQL and Python for data analysis.
• Experience applying statistical analysis, probability, and quantitative methods to business questions.
• Ability to analyze premium, loss, and underwriting data across calendar, accident, and policy years.
• Strong analytical judgment and the ability to translate findings into practical recommendations.
• Clear communication skills and ability to collaborate with management, product, technology, and business teams.

Nice-to-Have Skills:

• Experience with catastrophe or reinsurance modeling.
• Familiarity with rate filings, rate comparisons, and competitor pricing analysis.
• Experience supporting product revisions, pricing initiatives, or state rate, rule, and coverage form filings.
• Exposure to product management, business development, sales, or marketing collaboration.
• Experience reviewing consultant or product team analyses for data accuracy and consistency.