Senior Product Manager - Risk Management

At Cotality, we are driven by a single mission—to make the property industry faster, smarter, and more people-centric. Cotality is the trusted source for property intelligence, with unmatched precision, depth, breadth, and insights across the entire ecosystem. Our talented team of 5,000 employees globally uses our network, scale, connectivity and technology to drive the largest asset class in the world. Join us as we work toward our vision of fueling a thriving global property ecosystem and a more resilient society.

Cotality is committed to cultivating a diverse and inclusive work culture that inspires innovation and bold thinking; it's a place where you can collaborate, feel valued, develop skills and directly impact the real estate economy. We know our people are our greatest asset. At Cotality, you can be yourself, lift people up and make an impact. By putting clients first and continuously innovating, we're working together to set the pace for unlocking new possibilities that better serve the property industry.

Job Description:

What is the role?

As a Product Manager for Cotality Hazard and Catastrophe Products , you will own the vision, strategy, and roadmap for a subset of our suite of catastrophe and risk products. You will lead the development of high-resolution hazard solutions, probabilistic catastrophe models, and property-level risk scores that help insurers, reinsurers, and financial institutions quantify the impact of wildfire in a changing climate.

Product Strategy & Roadmap: Define the "View of Risk" for models and risk scoring products, Determining where to invest based on market and customer inputs and charting a path via roadmap collaboratively

Scientific Collaboration: Partner with scientists and meteorologists to translate complex stochastic event sets into actionable insurance metrics like Average Annual Loss (AAL) and Probable Maximum Loss (PML).

Regulatory & Compliance: Lead the submission process for state regulatory bodies (e.g., California Department of Insurance). Ensure the model is "filable" by carriers and meets all transparency and non-discriminatory requirements.

Market Discovery: Actively engage with Chief Underwriting Officers and Catastrophe Managers to understand how they use risk scores for "point-of-quote" decisions vs. portfolio-level risk management.

Go-to-Market (GTM): Work with Sales and Marketing to articulate the "edge" of your model (e.g., "Our model better captures the Wildland-Urban Interface (WUI) transition zones than the competition"). Present to the industry and stakeholders providing thought leadership and insight into product lines and roadmaps.

Required Qualifications

• Experience: 5+ years in Product Management, ideally within InsurTech, Fintech, or Geospatial Data.

• Knowledge of the application of risk modeling and product lines in insurance.

• Preferable experience in the development and delivery of wildfire

• Domain Expertise: Familiarity with GIS (Geographic Information Systems) and Catastrophe Modeling software (e.g., Touchstone, Risk Modeler).

• Analytical Rigor: Ability to speak "Actuary." You should understand probability distributions, exceedance probability (EP) curves, and tail risk.

• Technical Literacy: Comfort with APIs and cloud-native data delivery. You don’t need to code the model, but you must understand how a client’s underwriting system calls your risk score via REST API.

• Education: Bachelor’s or Master’s in a quantitative field (Environmental Science, Data Science, Economics, or Engineering).

Job Qualifications:

Education, Experience, Knowledge and Skills

Domain-Specific: Prefer 3–7 years in catastrophe modeling, insurance underwriting, or risk consultancy with a heavy emphasis on launching data/API solutions that fit into complex business needs preferably in the insurance industry. Demonstrated thought leadership, presentation and storytelling skills that enable customer engagement and understanding of our product lines. Experience in Wildfire Product development preferred.

Commercial Acumen: Deep understanding of the Insurance Value Chain (Distinction between MGA, Carrier, and Reinsurer).

Avid interest in and experience with the use of AI and related tools to drive the product lifecycle forward at pace.

Financial Modeling: Mastery of insurance-specific metrics:

• AAL (Average Annual Loss)

• PML (Probable Maximum Loss)

• TVaR (Tail Value at Risk)

Regulatory Exposure: Understanding of the regulatory environment and nature of the insurance environment and the ability to navigate it successfully.

Annual Pay Range:

93,200 - 135,000 USD

Application Window:

This opportunity is expected to remain posted through the date identified below, subject to business needs.

Thrive with Cotality

At Cotality, we offer more than just a job, we provide a benefits experience designed to support your whole self. From a flexible working model to competitive time off and standout health coverage with meaningful perks and growth opportunities, our package is built to help you thrive at work and in life.

Highlights, depending on role classification, include:

• Time off: Generous PTO and 11 paid holidays, plus well-being and volunteer time off.

• Family Support: Up to 16 weeks of fully paid parental leave and a baby stipend.

• Health: Multiple medical plan options with mental health and wellness support offerings.

• Retirement: 401(k) with company match and vesting after one year.

• Financial Perks: $400 annual well-being stipend and tuition assistance up to $5,250.

• Extras: Recognition Rewards, Referral bonuses, exclusive discounts and more!

Please note, Qualifications, locations and experience of the individual ultimately selected for the position may impact the final actual offered compensation, which may vary from the posted range

Cotality is an Equal Opportunity employer committed to attracting and retaining the best-qualified people available, without regard to race, color, religion, national origin, gender, sexual orientation, gender identity, age, disability or status as a veteran of the Armed Forces, or any other basis protected by federal, state or local law. Cotality maintains a Drug-Free Workplace. ​​​

Cotality is fully committed to a work environment that embraces everyone’s unique contributions, experiences and values. We offer an empowered work environment that encourages creativity, initiative and professional growth and provides a competitive salary and benefits package. ​ We are better together when we support and recognize our differences.  ​

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