Principal Product Manager, Underwriting

About the role

This role centers on the Underwriting Engine, which determines coverage, pricing, and speed at scale. Success depends on deep individual contribution to strategy and execution through hands-on ownership. You will own end-to-end accountability for this platform as a principal individual contributor driving outcomes. The focus is on translating complex underwriting rules into precise product specifications that guide engineering. You will act as the primary decision owner for features that impact risk, compliance, and customer experience. This position requires comfort with ambiguity and the ability to synthesize inputs from diverse expert teams. Your work will directly influence how carriers and families experience risk assessment and policy issuance.

Key facts

What you'll do

Design and maintain a structured knowledge graph that organizes risk information so decisioning systems can consume and enrich it effectively for accurate underwriting.

Translate intricate platform concepts into clear product briefs that engineers and senior actuaries can act on without losing fidelity in a regulated environment.

Own the end-to-end roadmap for the underwriting engine, coordinating priorities across regions and product lines to align with compliance goals.

Interpret model outputs and design experiments that test risk logic, using data to prioritize ruthlessly while retaining personal judgment on fairness and accuracy.

Write precise specifications and documentation that enable senior stakeholders across time zones to align without multiple rounds of revision.

Make high-stakes product decisions directly, taking ownership of accuracy, fairness, and speed as measurable outcomes for families and carrier partners.

Evaluate build-vs-buy choices for rules engines, knowledge graphs, ML pipelines, and decisioning systems with technical awareness and pragmatism.

Collaborate closely with actuarial, underwriting, finance, and data science teams to ensure that rules engines and ML pipelines support fast, accurate underwriting.

Demonstrate patterns of complex domain decision-making involving structured data at scale in regulated domains such as credit, fraud, healthcare, or risk.

Experience building data-heavy decisioning or intelligence platforms in regulated environments is expected as a core requirement for this role.

Choose high-leverage investments inside a vast domain, with clear reasoning for declines and protected focus on initiatives that move the needle.

Operate comfortably within a data-rich, compliance-sensitive context where rules engines and decisioning systems must be reliable and auditable.

Lead the definition of success metrics for underwriting products, ensuring that accuracy, fairness, and speed are tracked and optimized over time.

Partner with stakeholders to translate business needs into technical requirements, enabling efficient execution without compromising regulatory standards.

Requirements

A Bachelor's degree is a required entry criterion for this position and must be obtained from an accredited institution.

Deep individual operation replaces people management, focusing on writing PRDs, running stakeholder reviews, and driving decisions through influence, rigor, and trust.

You must demonstrate patterns of complex domain, high-stakes decisions, and structured data at scale in regulated environments.

Experience building data-heavy decisioning or intelligence platforms in regulated domains such as credit, fraud, healthcare, or risk is expected.

The ability to translate ambiguous problems into clear product requirements without detailed guidance is essential for success.

You must be comfortable working with rules engines, knowledge graphs, ML pipelines, and decisioning systems or have the technical awareness to evaluate build-vs-buy choices.

Strong written and verbal communication skills are required to align senior stakeholders across time zones without multiple rounds of revision.

You must be able to interpret model outputs and design experiments that test risk logic while using data to prioritize ruthlessly.

A proven track record of owning accuracy, fairness, and speed as outcomes for high-stakes product decisions is required.

The capacity to operate independently in a fast-paced, data-rich, compliance-sensitive context is a non-negotiable requirement.

Practical notes

This is a hybrid role based in Bangalore, coordinated across US, Singapore, and India time zones.

Employment is at-will in India, and local policies apply.

Typical interview steps

Content hiring usually starts with a writing test or portfolio review. Candidates may be asked to rewrite a passage, outline an article, or draft a landing page. Editing skill is tested as often as original writing. Clear structure and attention to detail matter. Interviewers often assign a timed writing test. Following the brief exactly and editing ruthlessly are the two habits that score highest.

Good to know

The role centers on life insurance underwriting technology in a regulated, data-intensive environment. Core tools include rules engines, knowledge graphs, and ML pipelines that support fast, accurate decisions. Success is measured by accuracy, fairness, and speed in decisions that protect families and carrier partners. Cross-functional collaboration across actuarial, underwriting, and data science teams is central to the work. The position requires comfort with complex systems, rigorous prioritization, and independent decision-making without direct management responsibilities.

Career growth

Content careers grow from writer to senior writer, editor, and content lead roles. Some people specialize in search, technical writing, or brand voice. Proving measurable impact, such as traffic or conversion lift, drives progression. Content careers reward a visible portfolio and proven business results. Writers who understand their company's product and audience grow fastest.