Senior Manager of Risk Product Development

divh2Senior Manager Of Risk Product Development/h2pBe part of something transformational at Caregard Warranty Services, a division of Automotive Financial Group (AFG). For more than 30 years, weve been a driving force in vehicle service contracts and automotive protection products. Through deep partnerships with dealerships, lenders, finance companies, and OEMs, weve earned a reputation built on trust, service, innovation, and exceptional customer experience which is reflected in our 4.8 Google Rating. We believe excellence isnt an act, its a habit. Its in our DNA. If you are someone who leads with curiosity, thrives in complexity, and takes true ownership of your craft, you may be the person weve been searching for. We are growing fast and seeking a Senior Manager of Risk Product Development, a high-performing, analytical, and strategic professional who thrives in complex environments and brings a strong sense of accountability. A difference-maker who balances big-picture thinking with precision and detail and wants to build, lead, and influence at a high level, this is your opportunity. Were looking for someone who doesnt just do the work, but elevates it, someone motivated by impact, precision, and long-term value creation. If you are energized by responsibility, love solving complex problems, and naturally take charge of outcomes, youll feel right at home here./ppWhat youll do:/pulliRisk Management Pricing: Conduct risk assessments across operational, financial, compliance, and strategic areas while monitoring program and vehicle class performance. Analyze loss ratios, trends, and anomalies to recommend pricing, coverage, underwriting, or operational adjustments that maintain program profitability./liliCarrier, Reinsurance Regulatory Oversight: Collaborate with insurance carriers and reinsurance partners on pricing, rate cards, contract terms, program changes, and risk-sharing structures. Prepare and submit rate filings and required documentation for state regulatory and lender approvals, maintain state licensing, monitor regulatory changes, and support audits and internal control reviews./liliProduct Development: Design, model, and price new products and programs; develop associated contracts, warranties, and supporting documentation; coordinate carrier and lender approvals; and monitor product lifecycle performance to recommend program adjustments./liliClaims Oversight Program Integrity: Review and approve claims exceeding $7,500 and work with the claims department to identify trends, investigate anomalies, and implement corrective actions to improve program performance./liliData, Reporting Analytics: Produce standardized monthly reports for program, producer, dealer, and agent performance, develop reinsurance and performance reporting, handle ad hoc analysis, and translate operational and compliance requirements into clear data specifications for IT and analytics teams while maintaining data governance standards./liliCross-Functional Leadership: Serve as a liaison between operational teams, leadership, carriers, and external partners; mentor junior analysts; coordinate risk-related initiatives; and communicate findings, risks, and recommendations to both technical and non-technical audiences./li/ulpWho you are:/pulliA critical thinker who turns complex data into clear, strategic insights./liliSomeone who takes ownership, follows through, and communicates with clarity./liliA reliable collaborator who can lead cross-functional initiatives./liliSomeone who wants to be part of something bigger, not just fill a role./li/ulpQualifications:/pulliBachelors in Business, Finance, Risk Management, or related field (Masters a plus)./lili4-6+ years in risk, compliance, analytics, or product-related roles./liliRequired: Automotive TPA industry experience./liliRequired: Experience with state or lender rate filings./liliPreferred: Actuarial, reinsurance, or insurance carrier experience./liliStrong Excel + BI skills; SQL preferred; Python/R a plus./liliStrong leadership, communication, and stakeholder management abilities./li/ulpBenefits:/pulliProfessional development opportunities/liliHealth, Dental, Vision/lili401(k) with company match/liliCompany-paid Life Insurance Short-Term Disability/liliNine paid holidays + PTO/li/ulpReady to make an impact? If youre the standout talent weve been searching for, the needle in the haystack, we want to meet you. Apply today and help shape the future of AFG. Pay Range: $150,000 - $180,000/p/div