Head of Western Wildfire Insurance Product & Pricing

Head Of Western Wildfire Insurance Product & Pricing

At Stand, you'll help build a new class of global property protection. We use advanced physics and AI to model catastrophic risk at the asset level, then automate underwriting and mitigation before loss occurs. Insurance is simply the current delivery mechanism. The real product is a scalable risk engine, our Stand World Model.

We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices.

The property insurance industry is built to price loss after it happens. It relies on coarse proxies, backward-looking data, and manual processes, then accepts damage as unavoidable.

Stand takes a different approach. We simulate how real-world catastrophes affect individual properties, translate that into actionable decisions, and automate the business around it. The result is a platform that can underwrite what others can't and operate with far less friction.

As our Head Of Western Wildfire Insurance Product & Pricing, you will own the growth profitability, and strategic direction of Stand's homeowners portfolio across wildfire-exposed markets in the western US. You will develop and execute state-level product, pricing, underwriting and exposure management strategies that enable sustainable growth in some of the country's most complex catastrophe-risk environments.

This role is ideal for a strategic, analytical leader who thrives in ambiguity and enjoys building from the ground up. You'll be expected to operate as both a business owner and a hands-on operatorsetting strategy, digging into the data, driving filings, shaping product requirements, and partnering across teams to bring ideas to market. You are passionate about redefining homeowners insurance for climate-exposed regions.

Core Responsibilities:

• Develop and launch new homeowners, condo, and dwelling fire products in catastrophe-exposed markets, including market strategy, rate and form filings, and business requirements for technology implementation.
• Partner with Actuarial, Underwriting, and Distribution teams to design pricing, underwriting, and exposure management strategies that support growth and profitability objectives.
• Monitor post-implementation portfolio performance to constantly evaluate the performance of the business and recommend actions to improve results.
• Gather and synthesize market intelligence through competitor filings, distribution partner feedback, underwriting insights, and other market research to identify opportunities and emerging risks.
• Lead state regulatory strategy and engagement, including rate, rule, and form filings and responses to regulatory inquiries.
• Resolve complex cross-functional business challenges through data-driven analysis, stakeholder alignment, and execution leadership.
• Support other initiatives as strategic opportunities dictate

What You Bring:

Required Experience & Skills:

• Min 5+ years of product management or product development experience, ideally in P&C insurance.
• Min 3+ years of Homeowners experience
• Demonstrated ability to use performance data to drive concrete product and underwriting decisions.
• Experience working cross-functionally with actuarial, underwriting, and engineering teams.
• Excellent written and verbal communication skills, with high documentation discipline.

Software/Technical Experience:

• Strong competency with Microsoft Excel
• Competency with geospatial mapping tools, such as ArcGIS or QGIS
• SQL or other data querying language preferred
• Experience creating within a business intelligence tool, such as Omni, Looker, PowerBI, a plus

Experience That Gives You an Edge:

• Wildfire-specific underwriting and pricing experience
• Experience with E&S markets, high-volatility perils, or property-catastrophe products.
• Exposure to multi-state insurance product builds and launches.
• Familiarity with third-party data integrations (hazard scores, geospatial data, inspections, etc.).
• Prior work with MGAs, fronting carriers, or insurance partnerships.

Benefits:

• Above-market Health, Dental, and Vision coverage
• Weekly lunch stipend
• Flexible time off + holidays
• 401(k) plan
• Commuter benefits
• PAT & MAT Leave
• Short-Term and Long-Term Disability
• Monthly team gatherings
• In-office perks

Work Authorization:

Candidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We can consider candidates on TN visas, O-1A visas, or H-1B transfers with three years or more remaining.

Equal Opportunity Employment:

Stand is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status. We believe that diversity enriches the workplace, and we are committed to growing our team with the most talented and passionate people from every community.

We are committed to providing reasonable accommodations for qualified individuals. If you require assistance.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.