Senior Product Manager

Mandatory Skills and Experience

• The candidate should have 8+ years of overall experience, including at least 5 years as a Product Manager owning a product or platform end to end.
• Strong insurance domain knowledge is required, with a preference for health insurance underwriting experience covering the proposal lifecycle, medical underwriting, pre-existing diseases (PED), loadings, exclusions, counter-offers and moratorium.
• The candidate should have working knowledge of IRDAI regulations and Master Circulars relevant to health insurance.
• The candidate should demonstrate proven ownership of product roadmaps and the ability to prioritise competing business-as-usual (BAU) and transformation demands.
• The candidate must be able to write clear and concise product requirement documents (PRDs), user stories, business rules and acceptance criteria.
• Strong data fluency is required, including the ability to define metrics, build funnels, interpret dashboards and work with SQL and Excel.
• Experience with rules engines or decisioning systems and API-based integrations is required.
• The candidate should have Agile/Scrum product ownership experience and be familiar with tools such as Jira and Confluence.
• The candidate should have a track record of delivering measurable outcomes such as turnaround time (TAT), conversion, cost improvements and loss ratio, rather than focusing only on feature delivery.
• Strong stakeholder management and executive communication skills are essential.

Good-to-Have Skills and Experience

• Hands-on exposure to AI/ML in underwriting, including risk scoring, document AI/OCR or GenAI copilots for underwriters.
• Experience with core policy administration systems such as TCS BaNCS or similar platforms.
• Familiarity with business rules engine (BRE) platforms such as Drools, IBM ODM, Pega or equivalent.
• Understanding of actuarial and pricing concepts, including how underwriting decisions affect the loss ratio.
• Experience with medical or diagnostic networks, tele-underwriting and PPMC operations.
• Exposure to data platforms, business intelligence tools such as Power BI or Tableau, and experimentation.
• Knowledge of the DPDP Act and privacy-by-design principles.
• Relevant certifications such as CSPO, SAFe POPM or Pragmatic, as well as Licentiate or Associate qualifications from the Insurance Institute of India, are advantageous.
• Prior experience managing a small team of Product Managers or Business Analysts.
• An MBA from a reputed institute is preferred.

Qualifications

The candidate should hold a bachelor’s degree in Engineering, Computer Science or a related field. An MBA is preferred. Insurance-specific certifications such as III or CII are an advantage.

Behavioural Competencies

• Outcome ownership and a bias for action, with the ability to make trade-offs when data is incomplete.
• Structured problem-solving and first-principles thinking when redesigning processes.
• The ability to influence without formal authority across business teams, IT and vendors.
• High integrity and sound judgement in matters involving risk and compliance.