Senior Manager of Risk & Product Development

Be Part of Something Transformational

At CareGard Warranty Services, a division of Automotive Financial Group (AFG), we don't just follow industry standards, we set them. For more than 30 years, we've been a driving force in vehicle service contracts and automotive protection products. Through deep partnerships with dealerships, lenders, finance companies, and OEMs, we've earned a reputation built on trust, service, innovation, and exceptional customer experience which is reflected in our 4.8 Google Rating.

We believe excellence isn't an act, it's a habit. It's 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 we've 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.

We're looking for someone who doesn't 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, you'll feel right at home here.

What You'll Do
Risk 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.

Carrier, 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.

Product 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.

Claims 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.

Data, 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.

Cross-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.

Who You Are

• A critical thinker who turns complex data into clear, strategic insights.
• Someone who takes ownership, follows through, and communicates with clarity.
• A reliable collaborator who can lead cross-functional initiatives.
• Someone who wants to be part of something bigger, not just fill a role.

Qualifications

• Bachelor's in Business, Finance, Risk Management, or related field (Master's a plus).
• 4-6+ years in risk, compliance, analytics, or product-related roles.
• Required: Automotive TPA industry experience.
• Required: Experience with state or lender rate filings.
• Preferred: Actuarial, reinsurance, or insurance carrier experience.
• Strong Excel + BI skills; SQL preferred; Python/R a plus.
• Strong leadership, communication, and stakeholder management abilities.

Benefits

• Professional development opportunities
• Health, Dental, Vision
• 401(k) with company match
• Company-paid Life Insurance & Short-Term Disability
• Nine paid holidays + PTO

Ready to Make an Impact?
If you're the standout talent we've 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