Principal Product Manager, Underwriting

Qualifications and Skills: Deep individual operator You don't manage people you manage complexity. You're happiest when you're the one writing the PRD, running the stakeholder review, and driving the decision. You get things done through influence, rigor, and trust, not org structure. Platform-to-business translation You can walk into a conversation with a senior actuary and understand their constraints, then turn around and write a crisp product brief for engineering. You make complex technical systems legible to business stakeholders and vice versa, without losing fidelity in either direction. Data-informed decision making Comfortable in data-heavy environments where decisions have real downstream consequences. You know how to design experiments, read model outputs critically, and use data to prioritize ruthlessly without outsourcing judgment to dashboards. Structured communicator Your written and spoken communication is precise and concise. You can write a strategy doc that earns alignment across Actuarial, Engineering, and Finance without three rounds of revision — and present confidently to senior leadership across time zones without losing the room. Impact-driven prioritisation You have a strong filter for what matters. In a domain with near-infinite complexity, you consistently identify the highest-leverage investments and protect your own focus from everything else. You're comfortable saying no — and you say it with clear reasoning. Technical complexity without fear Rules engines, knowledge graphs, ML pipelines, decisioning systems — you've worked with systems of comparable complexity before. You don't need to be an engineer, but you need to be technically credible enough to make good build-vs-buy calls, spot architectural risks early, and earn respect from a strong engineering team. Proven track record in adjacent regulated domains Insurance experience is welcome but not required. We're looking for candidates who have built data-heavy decisioning or intelligence platforms at the intersection of compliance and regulation in credit, fraud, healthcare, risk, or similar fast-paced environments. What matters is the pattern: complex domain, high-stakes decisions, structured data at scale. #LI-Hybrid #LI-NG1 Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records. To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice . Recruitment Notice: Please be aware of recruitment scams. All legitimate communication from our team will only come from email addresses ending in @ethos.com or @getethos.com. We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent.

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