Senior Insurance Product Manager

About the Company

Cover Genius is a Series E Insurtech that protects the global customers of the world’s largest digital companies including Booking Holdings, owner of Priceline, Kayak and Booking.com, Intuit, Hopper, Skyscanner, Ryanair, Turkish Airlines, Descartes ShipRush, Zip and SeatGeek. We’re also available at Amazon, Flipkart, eBay, Wayfair and SE Asia’s largest company, Shopee.

Our partners integrate with XCover, our award-winning insurance distribution platform, to embed protection for millions of customers worldwide each year. Our team and products have been recognized with dozens of awards including by the Financial Times who ranked Cover Genius as the #1 fastest growing company in APAC in 2020. Our diverse team across 20+ countries and many language groups commits itself to diverse cultural programs, in particular “CG Gives” which makes social entrepreneurs out of us all and funds development initiatives in global communities.

Our People are Bold, Authentic, Purposeful and Inspired  

Our People are not Perfect, Traditional, Complacent or Cautious 

As an Insurance Product Manager on our Insurance Team, you will own the development, governance, and continuous improvement of Cover Genius's embedded insurance product portfolio across the ANZ market.

To drive success in this role, you will have deep expertise in Australian insurance product governance frameworks, including ASIC's Design and Distribution Obligations (DDO) and RG 146, with proven experience across general insurance (preferably travel) and life insurance verticals.

You will lead end-to-end product design, underwriter sourcing, and compliance management, from policy wording reviews through to performance reporting and regulatory monitoring. Regular collaboration with the ANZ partnerships team, underwriters, legal, compliance, and global product teams will be key in ensuring our product suite remains competitive, compliant, and commercially sound.

Key Responsibilities

• Own the development of new embedded insurance products across ANZ verticals, translating partner opportunities and market gaps into compliant, customer-centric product solutions across travel, life, and discretionary risk lines.

• Manage the day-to-day product portfolio, including ongoing underwriter relationships, policy wording and coverage reviews, pricing submissions, and performance improvement initiatives.

• Lead end-to-end compliance with design and distribution obligations (DDO), including regular TMD and PDS reviews, ensuring zero material regulatory breaches across managed product lines.

• Produce weekly and monthly portfolio performance reports with clear insights and commentary, identifying levers to improve GWP growth and net margin across assigned product lines.

• Partner closely with the ANZ partnerships team to develop product proposals and financial models for new partner pitches, delivering accurate, well-reasoned outputs within agreed turnaround windows.

• Monitor and interpret regulatory developments across relevant insurance product lines, proactively adapting product positioning to maintain compliance and competitive advantage.

Skills & Experience

What you will bring:

• 7+ years of experience in the Australian insurance industry, with deep expertise in discretionary risk products, travel insurance (global experience ideal) and/or life Insurance.

• Deep working knowledge of product governance frameworks, including ASIC's Design and Distribution Obligations (DDO), RG 146, and Responsible Manager obligations.

• Demonstrated experience designing and writing policy wordings, Target Market Determinations (TMDs), and Product Disclosure Statements (PDSs) to regulatory and commercial standards.

• Proven ability to manage underwriter relationships, including pricing negotiations, coverage submissions, and policy requirement discussions at a senior level.

• Experience in discretionary risk products and/or embedded insurance distribution models highly valued.

• Bachelor's degree in a relevant field, A postgraduate degree and/or record of academic achievement is also desirable

What you will have:

• Ability to communicate complex insurance product and regulatory concepts clearly to both technical and non-technical audiences, including partners, underwriters, and senior internal stakeholders.

• Strong analytical mindset with the ability to interrogate portfolio performance data, surface meaningful trends, and translate insights into actionable improvements.

• Proven stakeholder management skills, able to build and maintain productive relationships with underwriters, partners, legal and compliance teams, and regulators simultaneously.

• Self-starter who thrives in a fast-paced environment and takes initiative managing competing priorities, ambiguous situations, and tight deadlines with confidence and composure.

• Collaborative team player who actively supports the partnerships team's commercial objectives and contributes to a high-performance, cross-functional product culture aligned with Cover Genius values.

Why Cover Genius?  

Cover Genius not only cares about being the best in our industry, we care about our team. We’re a business that understands life can be fluid and so we flex to ensure we provide the environment to suit that. What does that mean?  

• Flexible Work Environment - our teams are hybrid. We work from home on Wednesdays and Thursday and attend the office on Monday, Tuesday and Friday with flexibility around start/finish times.

• Global company, with the opportunity to work from any of our offices for 4 weeks a year

• Employee Stock Options - we want our people to share in our success, we reward them with ownership for their contribution in creating a world-class company.

• Work with like-minded people who are passionate about both the work we're doing and giving back. Our CG Gives programs enables us to all become philanthropists through our peer recognition and rewards system.

• Social Initiatives - pictures speak a thousand words!

Sound interesting? If you think you have the best composition of the above, send us your resume and let's chat!

* Cover Genius promotes diversity and inclusivity. We don't tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status.

By submitting your application, you acknowledge that we may collect, store and process your personal data for recruitment purposes. To ensure a fair evaluation, we may use AI to assist in sorting applications, but all final decisions are made by our hiring team and no candidate dispositions are automated. We will keep your information on file for three years from the date of your application.  For detailed information about how we handle your data and our use of AI, please review our full Privacy Policy.