JOSHUA SMITH
Buffalo,NY
Summary
Strategic product leader with 11+ years of experience in product strategy, insurance technology, and operations. Drives enterprise-scale initiatives from strategy through delivery, ensuring measurable impact. Collaborates with executives and cross-functional teams to modernize insurance capabilities, scale products, enhance retention, mitigate risk, and increase premium growth.
Overview
3
3
years of post-secondary education
11
11
years of professional experience
Work History
Senior Product Manager
GEICO
08.2025 - Current
- Own product strategy and enterprise delivery for new insurance capabilities across Auto, Powersports, RV, and Boat, including tiering & rating application components, fraud & risk management, taxes/fees/surcharges, payment-plan models, Pre-Application Verification (PAV), and state enablement.
- Supported Auto product launches representing ~$2B in written premium since March 2024 by aligning product, technology, underwriting, and business stakeholders around scalable launch strategies.
- Delivered GAPP Product Offer, converting the legacy book of business into a targeted offer at cancellation. Groomed and delivered insurance report ordering logic, policy data conversion, UPP (claim conversion logic), and pre-application verification (fraud) requirements and implementation, contributing to ~64,000 saved policies and an estimated 1% retention increase since May 2026.
- Designed, scoped, and delivered Product Lens, an AI-enabled self-service comparison tool for business users to analyze transactions and isolate data and product attributes driving premium differences. Cut average unexpected-premium-difference bug resolution time by 62% (from 83.6 to 31.4 days) and reduced bug volume ~83% (~93% after accounting for GPS/GRV production scaling).
- Delivered checking-account down payment filtering using pay-plan risk-score thresholds, reducing new-business bad debt ~$800,000 in the state of KY and improving 30-day checking-account attrition ~30% from avoiding bounced checks. Scaled this functionality to ~40 states in production, projecting ~$32,000,000 in bad debt savings per year.
Product Manager
GEICO
10.2023 - 08.2025
- Directed product roadmaps and strategy for the GEICO service application (EDGE) supporting the GAPP MVP launch, including e-signature functionality for option forms and new driver statuses (Excluded and Does Not/Will Not Drive Autos). Enabled scalable Auto product expansion that contributed to ~$2B in written premium since March 2024.
- Led pilot cross-functional 'pizza team' to accelerate state delivery by uniting tech-dependent teams under one product owner. Groomed requirements across sales, service, rating, tiering, and occurrence exceptions for Texas, enabling GEICO’s direct and independent-agent channels, resulting in 1,073,386 new-business policies and $1.343B in written premium since 2024.
- Enabled UI-generated fraud and risk management product deployment platform, empowering business users to create, maintain, and deploy fraud prevention products directly to testing environments and production, reducing reliance on tech.
Auto Service Manager / Homeowners Sales MPP / Homeowners Sales Supervisor / MDP
GEICO
06.2015 - 10.2023
- Doubled homeowners referral production by implementing data-driven performance management, accountability routines, and targeted coaching.
- Progressed through increasingly senior leadership roles with accountability for operating performance, workforce development, analytics, and execution, ultimately overseeing up to 10 supervisors and ~90 agents.
- 2x Gold Tier Chairman’s Supervisor
Education
Bachelor of Science - Sports Management & Business
Medaille College
Buffalo, NY 09.2010 - 05.2013
Skills
- Product Strategy & Roadmaps
- Enterprise Product Delivery
- Insurance Product Development
- Fraud & Risk Management
- Data & Analytics
- AI/Automation
- Agile Delivery
- Cross-Functional Leadership
- Business Transformation
- Executive Stakeholder Influence
- Customer Retention
- Problem solving
Personal Information
Title: Senior Product Manager | Insurance Technology | Product Strategy
Timeline
Senior Product Manager
GEICO
08.2025 - Current
Product Manager
GEICO
10.2023 - 08.2025
Auto Service Manager / Homeowners Sales MPP / Homeowners Sales Supervisor / MDP
GEICO
06.2015 - 10.2023
Bachelor of Science - Sports Management & Business
Medaille College
09.2010 - 05.2013