Full-Time
Data Product Owner
Product, Underwriting & Actuary
Updated on 9/11/2026
MSIG USA
501-1,000 employees
Commercial P&C insurance and risk management
Compensation Overview
$140k - $210k/yr
Warren, NJ, USA
Hybrid
Hybrid work arrangement.
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- At least 5 years of experience in data product ownership, analytics, or domain-focused data roles.
- Strong understanding of underwriting operations, actuarial concepts including IBNR, loss development, Schedule P, and loss costs, and insurance product management.
- Proven experience partnering with data engineering teams on pipelines, data models, and quality frameworks.
- Ability to translate complex insurance and actuarial concepts into clear technical requirements.
- Hands-on experience with the Azure analytics ecosystem, including Azure Data Platform, Microsoft Fabric, Azure Data Factory, Databricks, Azure AI Studio or Azure OpenAI, and Power BI.
- Strong facilitation, communication, and stakeholder alignment skills.
- Define and own the end-to-end data strategy across Product, Underwriting, and Actuarial domains.
- Establish data standards, ownership, quality controls, lineage, and governance for internal and third-party datasets, including ISO, NCCI, bureau data, and vendor risk scores.
- Maintain a unified data dictionary and harmonized definitions across product, underwriting, actuarial, claims, and finance teams.
- Ensure data workflows meet audit, regulatory, rate filing, and compliance requirements, including state Department of Insurance and National Association of Insurance Commissioners obligations.
- Partner with Legal and Compliance to support rate filing readiness, regulatory reporting, and actuarial certification requirements.
- Partner with data engineering to design and improve pipelines feeding policy administration systems, rating engines, actuarial reserving models, analytics, and artificial intelligence use cases.
- Validate data models and transformations in Azure Data Platform, Microsoft Fabric, and Databricks.
- Define and enforce data quality rules for missing exposure fields, submission-to-bind data gaps, rating factor inconsistencies, endorsement mismatches, and development triangle discrepancies.
- Set expectations for data availability, reliability service-level agreements, and lineage tracking across policy and actuarial data products.
- Own the roadmap for dashboards, key performance indicators, and reporting across underwriting performance, product profitability, and actuarial reserve monitoring.
- Enable self-service analytics through Power BI and Fabric semantic models.
- Standardize metrics used by Product, Underwriting, Actuarial, Claims, Finance, and Reinsurance teams, including written premium, earned premium, loss ratio, combined ratio, hit ratio, renewal retention, and rate adequacy.
- Support operational decisions involving risk selection, pricing adjustments, portfolio rebalancing, treaty structuring, and reserve releases.
- Identify and prioritize artificial intelligence and advanced analytics use cases, including predictive risk scoring, underwriting triage, price elasticity, appetite modeling, automated document extraction, reserve development and IBNR estimation, exposure accumulation, catastrophe risk analytics, loss cost trend analysis, actuarial indication automation, and generative artificial intelligence summaries.
- Partner with Data Science and Azure AI Studio teams to ensure models are explainable, validated, and embedded into underwriting and actuarial workflows.
- Own and prioritize the data product backlog across Product, Underwriting, and Actuarial domains.
- Translate business needs into clear user stories with acceptance criteria tied to measurable value.
- Lead Agile ceremonies, roadmap reviews, and stakeholder demonstrations.
- Facilitate alignment across Product, Underwriting, Actuarial, Claims, Finance, Reinsurance, and IT.
- Improve underwriting outcomes and risk selection through better submission data, risk scoring, and appetite visibility.
- Accelerate actuarial close cycles and reduce manual data preparation in reserving and pricing workflows.
- Strengthen product decisions with visibility into loss costs, rate adequacy, exposure trends, and competitive positioning.
- Enhance feedback loops from claims and finance to underwriting and product teams with actionable loss and portfolio insights.
- Improve regulatory and rate filing readiness through governance, data documentation, and actuarial data auditability.
- P&C insurance experience.
- Experience working directly in Underwriting, Product Management, or Actuarial teams within a P&C insurer.
- Familiarity with policy administration and rating systems such as Guidewire PolicyCenter, Duck Creek, Applied Epic, or similar systems.
- Experience with submission and exposure data, SOVs, loss runs, and structured or unstructured underwriting documents.
- Knowledge of actuarial methods including chain ladder, Bornhuetter-Ferguson, and Cape Cod techniques.
- Familiarity with state Department of Insurance regulatory requirements, rate/form filing processes, and National Association of Insurance Commissioners reporting standards.
- Azure, Power BI, or data platform certifications.
MSIG USA provides commercial property and casualty insurance to U.S.-based and multinational businesses, with tailored coverage across property, casualty, marine, and financial lines (including D&O and cyber). It writes standard policies and specialized programs, and has recently established MSIG Specialty Insurance America to underwrite non-admitted business. A core part of its model is risk engineering, loss prevention, and in-house claims management (handling over 90% of claims directly) to deliver efficient service. The company differentiates itself through the backing of the MS&AD Insurance Group (a financially strong parent), a history of large-scale P&C capacity, and a focus on customized solutions for complex exposures. Its goal is to help organizations manage sophisticated risks across all 50 states, including multinational clients, by offering comprehensive coverage and proactive risk management.
Company Size
501-1,000
Company Stage
N/A
Total Funding
N/A
Headquarters
New York City, New York
Founded
N/A
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Simplify's Take
What believers are saying
- August 18, 2026 Carrie Brodzinski deepens underwriting discipline and specialty distribution execution.
- July 8, 2026 added independent directors Darin Stafford, Thomas Sullivan, and Marc Gallo.
- August 11, 2026 ADB financing and February 2026 IFC deals expand fee-like global relevance.
What critics are saying
- June 2026 AM Best cited stable E&S outlook amid softening rates and intensifying competition.
- The 2025 trade-secrets suit against Richard Pye distracts management and exposes controls.
- Brian Botkin’s August 26, 2026 promotion shows leadership churn inside a still-scaling platform.
What makes MSIG USA unique
- MSIG USA pairs MS&AD’s A+ balance sheet with nationwide admitted and E&S platforms.
- June 2026 AM Best affirmed A+ ratings for all MSIG USA insurers, including E&S.
- Its specialty edge spans cyber, marine, trade credit, and underwriting analytics.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Health Savings Account/Flexible Spending Account
Hybrid Work Options
Wellness Program
401(k) Company Match
Profit Sharing
Tuition Reimbursement
Employee Discounts
Parental Leave
Company News
MSIG USA chief underwriting officer Brian Botkin promoted to international chief underwriting officer for MS&AD. Aug 26, 2026, 09:17 ET NEW YORK, Aug. 26, 2026 /PRNewswire/ - MSIG USA today announced that Brian Botkin, chief underwriting officer of MSIG USA, has been promoted to international chief underwriting officer for MS&AD Insurance Group, expanding his leadership responsibilities across the organization's global insurance operations. Botkin has played an important role in MSIG USA's transformation and growth, leading enterprise underwriting strategy and advancing greater consistency, discipline and portfolio insight across the organization. As chief underwriting officer, he has worked closely with business leaders to align underwriting strategy with MSIG USA's growth objectives while advancing the use of data and analytics to support underwriting decisions. In his new role, Botkin will bring that experience to MS&AD's global operations, helping advance underwriting strategy, governance and portfolio management across markets. His appointment comes as MS&AD continues to expand its international specialty capabilities and further connect underwriting expertise across its global businesses. "Brian's promotion is a tremendous recognition of the leadership and impact he has demonstrated at MSIG USA," said Peter McKenna, chief executive officer of MSIG USA. "He has been instrumental in advancing our underwriting organization as we have grown, bringing greater rigor and insight to how we manage our portfolio while never losing sight of the importance of underwriting expertise and judgment. We are proud to see Brian take on this global role and know the perspective he has developed here in the U.S. will make an important contribution to MS&AD's continued growth." "Brian brings a deep understanding of specialty underwriting and the experience of operating in one of the world's most dynamic insurance markets," said Hironori Morimoto, Group Chief Global Officer, Senior Managing Executive Officer of MS&D. "In this expanded role, he will help connect underwriting expertise and best practices across our businesses, enabling us to bring greater consistency and insight to how we evaluate and manage risk globally." Botkin's promotion also reflects the increasingly important role MSIG USA plays within MS&AD's global strategy. As MSIG USA continues to build a market-leading, data-driven specialty insurer in the United States, sharing talent, expertise and capabilities across the broader organization creates opportunities to advance underwriting excellence and support sustainable growth across the Group. About MSIG USA MSIG USA is the marketing term used to refer to MSIG Holdings (U.S.A.), Inc. ("MSIGH"), its insurance subsidiaries, and their manager. MSIGH's insurers are Mitsui Sumitomo Insurance Company of America, Mitsui Sumitomo Insurance USA Inc., MSIG Specialty Insurance USA Inc. and MSIG Specialty Insurance America, Inc. The insurers are managed by Mitsui Sumitomo Marine Management (U.S.A.), Inc. MSIGH is a subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world's top P&C carriers with a 350-year heritage, A+, Class 15 ratings, and a global reach that spans 48 countries and regions. MSIG USA brings the financial strength, underwriting expertise, exceptional claims management, global footprint, and innovation necessary to offer commercial insurance solutions that address the unique risks businesses face in today's market. Its nationwide network of professionals provides responsive and personalized service for clients and brokers. The U.S.-based insurance subsidiaries are admitted in all P&C lines in all 50 states, the District of Columbia, and Puerto Rico. Not all insurers do business in all jurisdictions. Actual coverage is subject to the language of the policies as issued. To learn more, visit www.msigusa.com. SOURCE MSIG USA
MSIG USA has appointed Carrie Brodzinski as chief underwriting officer. She brings nearly 30 years of specialty underwriting and leadership experience to the role. Brodzinski joins from The Hartford, where she served as chief underwriting officer for Global Specialty since 2021. Her career includes senior underwriting leadership positions at AXA XL and AIG, as well as product leadership roles at Beazley, Travelers, Chubb, and Executive Risk. As chief underwriting officer, Brodzinski will lead MSIG USA's enterprise underwriting strategy across the company's specialty businesses. She will oversee underwriting performance, portfolio management, and the evolution of data and technology capabilities. Brodzinski earned a Juris Doctor and Bachelor of Science in marketing from the University of Connecticut.
MSIG USA appoints MSIG USA appoints Carrie Brodzinski as chief underwriting officer. August 18, 2026 MSIG USA today announced the appointment of Carrie Brodzinski as chief underwriting officer, bringing nearly 30 years of specialty underwriting and leadership experience to the company as it continues to expand its U.S. business and advance its strategy to become a market-leading, data-driven specialty insurer. Brodzinski joins MSIG USA from The Hartford, where she has served as chief underwriting officer for Global Specialty since 2021. Her career spans underwriting leadership, product development, portfolio management and underwriting transformation, with extensive experience developing and executing underwriting strategies across complex specialty businesses. Prior to The Hartford, Brodzinski held senior underwriting leadership positions at AXA XL, including head of global underwriting management and senior vice president of underwriting. Earlier in her career, she served as deputy chief underwriting officer and head of underwriting excellence for Financial Lines in the U.S. and Canada at AIG, where she led initiatives spanning underwriting strategy, quality and controls, operational efficiency, product development and technology. She also held product leadership roles at Beazley, Travelers, Chubb and Executive Risk, giving her broad experience across both admitted and excess and surplus lines markets. "Carrie is an exceptional underwriting leader whose experience spans virtually every dimension of building and managing sophisticated specialty businesses," said Peter McKenna, chief executive officer of MSIG USA. "She combines deep technical underwriting expertise with a proven ability to translate data, technology and disciplined portfolio management into improved decision-making. Her leadership will be important as we continue to scale our specialty business while maintaining the underwriting discipline and consistency that are fundamental to our long-term success." As chief underwriting officer, Brodzinski will lead MSIG USA's enterprise underwriting strategy, working across the company's specialty businesses to govern and drive underwriting performance, portfolio management and execution. She will also play an important role in the continued evolution of the company's data and technology capabilities, helping ensure underwriting insights and expertise are effectively leveraged across the organization as MSIG USA grows. Brodzinski earned a Juris Doctor from the University of Connecticut School of Law and a Bachelor of Science in marketing from the University of Connecticut. About MSIG USA MSIG USA is the marketing term used to refer to MSIG Holdings (U.S.A.), Inc. ("MSIGH"), its insurance subsidiaries, and their manager. MSIGH's insurers are Mitsui Sumitomo Insurance Company of America, Mitsui Sumitomo Insurance USA Inc., MSIG Specialty Insurance USA Inc. and MSIG Specialty Insurance America, Inc. The insurers are managed by Mitsui Sumitomo Marine Management (U.S.A.), Inc. MSIGH is a subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world's top P&C carriers with a 350-year heritage, A+, Class 15 ratings, and a global reach that spans 48 countries and regions. MSIG USA brings the financial strength, underwriting expertise, exceptional claims management, global footprint, and innovation necessary to offer commercial insurance solutions that address the unique risks businesses face in today's market. Its nationwide network of professionals provides responsive and personalized service for clients and brokers. The U.S.-based insurance subsidiaries are admitted in all P&C lines in all 50 states, the District of Columbia, and Puerto Rico. Not all insurers do business in all jurisdictions. Actual coverage is subject to the language of the policies as issued. To learn more, visit www.msigusa.com.
MSIG USA and MSIG Hong Kong collaborate to support ADB financing program. August 11, 2026 MSIG USA and MSIG Hong Kong, on behalf of MS&AD Insurance Group, are supporting a Master Framework Program with the Asian Development Bank (ADB) designed to expand access to financing across Asia and the Pacific. Through the program, participating insurers will provide risk-sharing support that can help ADB unlock up to $2.5 billion in financing for small businesses, affordable housing and other underserved borrowers. The collaboration brings together expertise from MSIG USA's Political Risk & Trade Credit team and colleagues across MSIG to support an innovative risk-sharing solution that can expand ADB's lending capabilities and contribute to sustainable economic growth throughout the region. The agreement was formally signed in Tokyo on August 11, with Shinichiro Funabiki, President and Group CEO of MS&AD Insurance Group, joining representatives from ADB and other participating insurance organizations. The program demonstrates how collaboration across MSIG's global network, combined with specialized political risk and trade credit expertise, can support solutions that help financial institutions manage risk while expanding access to capital. Photos courtesy of the Asian Development Bank (ADB).
MSIG USA has appointed three independent directors to its board: Darin Stafford, Thomas R. Sullivan, and Marc Gallo. The appointments aim to strengthen governance and support the company's expansion as a data-driven specialty insurance platform. Stafford brings over 30 years of financial experience, having served as CFO of Amwins. Sullivan offers more than 40 years of leadership across insurance regulation and the Federal Reserve System. Gallo contributes 35 years of technology expertise, with 29 years at PwC advising on digital transformation. The expanded board will guide MSIG USA's strategy in regulatory affairs, financial stewardship, and technology innovation. MSIG USA is a subsidiary of MS&AD Insurance Group Holdings, operating nationwide across all 50 states.