Sr. Manager, Underwriting at Root Insurance
United States
$121k - $151.3k
<meta><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><b><strong style="white-space:pre-wrap;">The Opportunity</strong></b></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="white-space:pre-wrap;">At Root, we are 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.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="white-space:pre-wrap;">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 commitment to research, experimentation, and disciplined data-driven decision making in order to build products our customers love.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="white-space:pre-wrap;">Consumer auto insurance is a competitive and highly regulated industry, so the ability to translate state strategy into timely, accurate, and compliant filing execution is essential to delivering an industry-leading product. Root’s State Management Operations team works alongside actuarial, regulatory, legal, product, underwriting, and market leadership teams to determine how Root should compete in each state and how those decisions should be submitted, approved, implemented, and maintained.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="white-space:pre-wrap;">As Senior Manager of State Management Operations, you will lead the team responsible for Root’s market-level rating rules, underwriting guidelines, forms submissions, and filing execution discipline. This role is designed for a leader who can combine insurance regulatory expertise, strong operating rigor, and people leadership to keep complex, cross-functional filing work moving from initial strategy through submission, objection response, approval, and implementation.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="white-space:pre-wrap;">You will be expected to build a high-performing team that drafts and maintains state-specific rule and underwriting documentation, manages filings through online submission systems, establishes informed timelines for filings and revisions, and drives cross-functional alignment when work depends on State Management, Actuarial, Product, Legal, Compliance, or other teams. Over time, your team will develop deep state-specific filing expertise that helps inform regulatory strategy and improves Root’s ability to plan, sequence, and execute work in each market.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;text-align:left;"><b><strong style="white-space:pre-wrap;">Salary Range</strong></b><span style="white-space:pre-wrap;">: $121,000 - $151,300 (Bonus & Equity Eligible)</span><br><br><span style="white-space:pre-wrap;">Root is a “work where it works best” company. Meaning we will support you working in whatever location that works best for you across the US. We will continue to have our headquarters in Columbus, Ohio.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;text-align:left;"><b><strong style="white-space:pre-wrap;">How You Will Make an Impact</strong></b></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;text-align:left;"><br></p><ul data-pattern="discCircleSquare" data-depth="1" style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;"><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Lead state filing operations-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">build, manage, and develop the team responsible for drafting, maintaining, and submitting Root’s rating rules, underwriting guidelines, forms, and related state-specific filing materials; set clear expectations for quality, timeliness, documentation, and market ownership.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Drive operational excellence-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">establish disciplined operating rhythms, milestone plans, dependency tracking, and status visibility for filing revisions and implementations from intake through approval and launch; identify risks early and keep critical workstreams unblocked.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Own filing submission execution-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">oversee the team responsible for preparation and submission of filings through online filing submission systems, ensuring filing packages are complete, internally aligned, accurately documented, and supported by appropriate state-specific context.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Coordinate cross-functional delivery-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">manage across State Management, Actuarial, Product, Legal, Compliance, Underwriting, and other partner teams to ensure the right resources are engaged at the right time and accountable to shared execution timelines.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Lead objection response operations-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">lead the team</span><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">owning intake, triage, routing, tracking, and follow-up when Departments of Insurance issue objections; ensure responses are assigned to the appropriate subject matter experts, reviewed, and submitted within expected timeframes.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Build state-specific filing expertise-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">develop and maintain the team’s practical knowledge of assigned states’ filing norms, regulatory expectations, objection patterns, implementation constraints, and approval timelines; use that expertise to inform filing strategy, sequencing, and stakeholder expectations.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Improve documentation and controls-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">create frameworks, templates, quality checks, and durable documentation that improve consistency across filings, make market-specific decisions easier to audit, and allow the team to scale without losing accuracy or context.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Develop and coach a high-performing team-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">hire, coach, prioritize, and provide feedback to team members; identify skill gaps, create development plans, and build the team’s capability in insurance documentation, regulatory process, operational rigor, and cross-functional communication.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><i><em style="white-space:pre-wrap;">Communicate with clarity-</em></i><b><strong style="white-space:pre-wrap;"> </strong></b><span style="white-space:pre-wrap;">translate complex filing status, risks, dependencies, and regulatory issues into concise updates for senior leaders and cross-functional partners, enabling timely decisions and effective tradeoffs across competing priorities.</span></li></ul><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;text-align:left;"><br><b><strong style="white-space:pre-wrap;">What You Will Need to Succeed</strong></b><br><br></p><ul data-pattern="discCircleSquare" data-depth="1" style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;margin:8px 0px;line-height:1.6;padding:0px 0px 0px 32px;list-style-type:disc;"><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">7+ years of experience in personal lines insurance, product management, underwriting, regulatory filings, compliance operations, insurance operations, or a closely related field; prior people leadership experience strongly preferred.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Demonstrated experience leading complex, cross-functional operational work with multiple dependencies, time-sensitive deliverables, and executive visibility; ability to create structure in ambiguous situations and maintain momentum across teams.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Working knowledge of rating rules, underwriting guidelines, insurance forms, SERFF or similar online filing submission systems, and the regulatory filing lifecycle for personal auto or other P&C products.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Ability to read and interpret state-specific regulatory requirements, filing objections, prior filings, competitor filings, and internal product decisions, then translate that information into practical filing execution plans.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Strong written communication skills, with the ability to draft and review clear rules, underwriting guidance, filing support, objection responses, status updates, and process documentation.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Ability to build relationships and drive action across State Management, Actuarial, Product, Legal, Compliance, Underwriting, Engineering, and other teams without relying solely on formal authority.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Strong judgment in prioritizing work across competing filing needs, balancing speed, quality, regulatory risk, customer impact, and business outcomes.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Experience creating operating mechanisms, documentation standards, quality controls, templates, or process improvements that allow teams to deliver consistently and improve over time.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">People leadership skills, including hiring, coaching, feedback, delegation, performance management, and helping team members grow subject matter expertise and business judgment.</span></li><li style="font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Mental flexibility to understand and leverage Root’s data-science-driven and technology-forward culture, while maintaining the regulatory discipline required to operate effectively in state-regulated insurance markets.</span></li><li style="--listitem-marker-color:#1d1c1d;--listitem-marker-background-color:#ffffff;font-size:11pt;margin:3px 0px;letter-spacing:0.25px;line-height:1.6;"><span style="white-space:pre-wrap;">Bachelor’s degree in Business, Finance, Economics, Risk Management, Insurance, or a related field; CPCU, API, AINS, or other insurance-related designations are a plus.</span><br><br></li></ul><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="color:rgb(29,28,29);background-color:rgb(255,255,255);white-space:pre-wrap;">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.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="color:rgb(29,28,29);white-space:pre-wrap;">Please see our Privacy Notice available </span><a href="http://inc.joinroot.com/california-job-applicant-privacy-notice/" target="_blank" class="css-173makr-linkStyle" style="color:rgb(30,74,169);cursor:pointer;"><span style="color:rgb(29,28,29);white-space:pre-wrap;">HERE</span></a><span style="color:rgb(29,28,29);white-space:pre-wrap;"> for more information on how we process your personal data.</span></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><br></p><p style="font-family:"Basel Grotesk",Arial,sans-serif;font-size:11pt;font-weight:400;line-height:1.6;letter-spacing:0.25px;margin:4px 0px;padding:0px;"><span style="color:rgb(29,28,29);white-space:pre-wrap;">Consistent with the Americans with Disabilities Act (ADA) and the Civil Rights Act of 1964, it is the policy of Root to provide reasonable accommodation when requested by a qualified applicant or candidate with a disability, unless such accommodation would cause an undue hardship for Root. The policy regarding requests for reasonable accommodation applies to all aspects of the hiring process. If reasonable accommodation is needed, please contact recruiting@joinroot.com.</span></p>
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