Kelli McCubbin

Lead Product Strategy

• Partner with State Product Managers to define and execute product strategies across Connecticut, New Jersey, and New York, balancing profitability, growth, customer experience, and regulatory requirements.
• Evaluate portfolio performance through profitability, loss trends, retention, segmentation, and competitive analyses to identify strategic opportunities.
• Recommend and implement product, underwriting, and pricing actions that improve portfolio performance.

Drive Product Development

• Lead complex product initiatives from concept through implementation, coordinating Product, Pricing, Actuarial, IT, Legal, Claims, Compliance, Sales, and Service.
• Translate legislative and regulatory changes into executable product enhancements, underwriting guidelines, and operational processes.
• Support development and launch of Next Generation Auto products across multiple states.

Enterprise Leadership

• Lead cross-functional implementation teams responsible for operational readiness, training, business requirements, and implementation planning.
• Develop executive-level recommendations and presentations supporting strategic decisions by senior leadership.

Business Performance

• Monitor market trends, competitor filings, and emerging risks to proactively adjust product strategy.
• Partner with Pricing and Actuarial to evaluate indications, catastrophe exposure, and claims trends supporting rate and underwriting decisions.
• Drive implementation of underwriting strategies improving portfolio quality while maintaining regulatory compliance.
• Serve as product subject matter expert for complex regulatory and underwriting initiatives.

• Led multi-state product initiatives supporting profitable growth, rate adequacy, and regulatory compliance.
• Partnered with Pricing to develop and execute rate, rule, and underwriting filings.
• Monitored portfolio KPIs and recommended actions to improve profitability and growth.
• Led redesign of enterprise Policyholder Incident Response process improving execution and accountability.

• Partnered with Product, Sales, and Actuarial to improve underwriting strategy and portfolio performance.
• Analyzed claims and portfolio trends to identify opportunities to improve profitability.
• Delivered enterprise training on products and underwriting guideline changes.

• Led teams of 12–15 underwriters across six states while improving underwriting quality, profitability, and operational performance.

• Progressed through underwriting leadership roles with increasing responsibility for underwriting quality, compliance, and portfolio performance.