Product Manager II, Underwriting

At Root, we’re on a mission to improve the lives of our customers by offering better insurance solutions. We challenge ourselves to think differently in order to reimagine insurance to make it smarter, more equitable, and a better experience for all.

We strive to “unbreak” the archaic insurance industry by using data and technology in innovative new ways. We believe we must be steadfast in our commitments to research, experimentation, and disciplined data-driven decision making in order to build products our customers love.

The Opportunity

We are seeking a Product Manager to lead underwriting initiatives that drive smarter, more dynamic risk decisions while supporting growth through Root’s direct, partner, and agent channels. You’ll own a portfolio of initiatives that enable tailored risk interventions and scale classification accuracy—all while maintaining profitability.

You’ll work cross-functionally with Data Science, Engineering, State Management, Legal, and Insurance Ops to evolve Root’s underwriting domain.

Salary Range:  $114,000 - $136,000 (Eligible for competitive bonus and equity offerings)
Root is a “work where it works best” company. This means we will support you working in whatever location that works best for you across the US.

How You Will Make an Impact

• Own the 2025 Underwriting roadmap and define the vision for 2026 and beyond
• Partner with Data Science to design and implement machine learning model based underwriting strategies
• Lead experiments (A/B tests, causal modeling) to test risk mitigation strategies and measure their impact on profitability, conversion, and retention
• Support Root’s nationwide expansion by adapting underwriting capabilities to meet the specific regulatory and operational needs of new states
• Create seamless underwriting experiences that drive profitable growth
• Lead a team of engineers through the full product lifecycle, from ideation to implementation and iteration
• Write clear product requirement documentation (PRDs) that align business strategy with engineering plans
• Cultivate a prioritized product backlog using robust product frameworks and data-driven decision making
• Measure and analyze the performance of your product area, using insights to drive continuous improvement
• Facilitate team delivery events using agile practices to ensure consistent, high-quality outputs

What You Will Need to Succeed

• 3–6 years of product management experience, ideally in fintech, insurtech, or another data-intensive regulated environment.; insurance industry experience highly valued
• Strong systems thinking and comfort with technical concepts like predictive modeling, APIs, and workflow orchestration
• Data-driven mindset; experience designing A/B tests, working with analysts, working with data scientists
• Excellent communication skills with the ability to translate complex concepts into simple user experiences
• Experience in agile development methodologies
• Customer-centric mindset with demonstrated success in improving user experiences
• Detail-oriented with the ability to multitask and prioritize effectively
• Adaptable approach to scope and responsibilities in a growing organization
• Collaborative work style with the ability to influence without direct authority
• Roll-up-the-sleeves work ethic and "do-what-it-takes" attitude to drive results in a fast-paced environment

As part of Root's interview process, we kindly ask that all candidates be on camera for virtual interviews. This helps us create a more personal and engaging experience for both you and our interviewers. Being on camera is a standard requirement for our process and part of how we assess fit and communication style, so we do require it to move forward with any applicant's candidacy. If you have any concerns, feel free to let us know once you are contacted. We’re happy to talk it through.