Principal Product Manager, Underwriting
Ethos LifeLife Insurance company
Bangalore, IndiaLead
Sequoia Capital
Accel
Google Ventures
Goldman Sachs
General Catalyst
SoftBank
Product
About the role
TL;DR
Owns the Underwriting Engine platform strategy and execution, including rules, knowledge graph, and tooling.
- •The Underwriting Engine is the most consequential system at Ethos.
- •It determines who gets covered, at what price, and how fast
- •at scale, with accuracy that directly affects real families and carrier partners.
- •Getting it right is as much a product problem as a technical one.
- •Key Responsibilities Own the decisioning rules infrastructure: how eligibility, pricing, and risk criteria are expressed, maintained, and updated at speed.
- •Drive product strategy for how risk knowledge is structured, enriched, and made available to decisioning systems.
- •Own the internal tooling that allows Actuarial and Underwriting teams to configure, test, and deploy decisioning changes safely.
- •Collaborate with Actuarial, Underwriting, Finance, and senior leadership to build and maintain a shared roadmap.
- •Champion and drive a compliant AI/ML roadmap for underwriting.
- •Requirements Deep individual operator who manages complexity through influence, rigor, and trust.
- •Ability to translate complex technical systems to business stakeholders and vice versa.
- •Comfortable in data-heavy environments and designing experiments.
- •Precise and concise written and spoken communication skills.
- •Strong filter for impact-driven prioritization and comfortable saying no with clear reasoning.
- •Technical credibility with rules engines, knowledge graphs, ML pipelines, and decisioning systems.
- •Proven track record in adjacent regulated domains (credit, fraud, healthcare, risk).
Required skills
Product ManagementRoadmappingPRDsAgileScrumRisk ManagementCompliance ManagementPythonSQL
Nice-to-have skills
Product StrategyGo-to-MarketFeature PrioritizationCustomer DiscoveryProduct AnalyticsCompetitive AnalysisProduct OperationsGrowth StrategyMonetization Strategy
Domain expertise
insurtech
Tech stack
PythonJavaScriptTypeScriptSQLNode.jsReactAWSDockerKubernetesCI/CDGitLinuxJiraConfluencePostmanSwaggerREST APIProduct ManagementAgileScrumKanbanRoadmappingStakeholder ManagementPRDsOKRs