Senior Insurance Product Manager

About the Company

Cover Genius is the global infrastructure for embedded protection. Active in over 60 countries and all 50 US States, we protect the customers of the world’s largest digital companies, including Klarna, Revolut, Stripe, Priceline, Agoda, Booking.com, Turkish Airlines, Tongcheng Travel, eBay, and Uber, with seamless, end-to-end experiences. Cover Genius has protected more than 73M customers globally across 240M policies with USD $3.2BN in gross written sales. 

Coming off a stellar year with 40% YoY revenue growth and a recent $100M capital raise, putting our valuation at $1.9BN, we are accelerating into our next phase of growth. As part of our team, you’ll help drive our AI-first roadmap, developing hyper-personalization engines, agentic distribution, and automated claims infrastructure, while building the scalable technology powering the fast-growing $70B embedded protection market.

Our people are: Accountable, customer-obsessed, collaborative, driven

Our people are not: Passive, defensive, siloed, hesitant

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?  

At Cover Genius, we create magic by turning the archaic into the extraordinary. We take one of the world’s oldest and most complex industries and reinvent it with world-class technology. Cover Genius doesn’t just disrupt legacy insurance; we make the impossible feel effortless.Our operating principles guide our mission: 

• Make today matter: We deliver with urgency and excellence. We act decisively, move with intention, and hold a high bar.

• Act with accountability: We own our commitments  and take pride in delivering results that move us forward.

• Grow together: We are a collective of curious minds. We learn from wins and setbacks, share knowledge generously, and elevate each other every day.

• Inspire Each Other: We push each other to think bigger and pull together to go further.

• Champion Our Customers: We lead with empathy and center the customer, turning complex disruptions into seamless moments of trust.

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

• Don't just take our word for it - hear about our culture straight from our people here: story time.

Ready to make an impact? If you’re looking for a place where you’ll be challenged, trusted, and empowered, we’d love to meet you.

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.