Principal Product Analyst

Applicants must be a resident and work from one of the following states: WA, OR, OH, IL, MN, NC, SC, FL, TX, or ID, with occasional travel to our headquarters, located in Seattle, WA.

Who We Are:

At PEMCO, we’re all about people – our customers, our employees, and the community. We’re a mutual insurance company owned by our Northwest policyholders. We provide auto, home, renters, and boat coverage. Recognized by Forbes as one of America’s Best Insurance Companies in both Auto and Home for 2026, based on customer survey feedback, and by Newsweek as one of America’s Greatest Midsize Workplaces 2025. We are consistently recognized for our outstanding customer service, employee expertise, community partnerships, and social impact programs. All of which makes PEMCO a great place to work!

Our social impact programs motivate high achievement by youth in education; build stronger and greener communities; and increase safety at home, on the road, and at play. We’re committed to diversity, equity, inclusion, and belonging, and to fostering an inspiring and inclusive workplace. These efforts create and cultivate an environment that builds fairness and understanding, encourages collaboration and flexibility, and celebrates all the ways in which we’re different and the same – enabling all individuals to achieve their full potential.

Why We Need You:

The Principal Product Analyst position is responsible for conducting complex quantitative analysis of property & casualty products to improve product performance and support PEMCO's and Product's initiatives. As a principal level role, this position helps to shape Product strategy through data analysis and guide product development with relevant analytical insights.

What You’ll Be Doing:

• Serve as a thought leader for new, complex, and ambiguous business questions; represent Product in cross-functional projects.
• Represent the Product department in development of company data strategy; serve as catalyst of change for Product data warehousing and processes.
• Proactively lead complex analysis to evaluate the performance of our products; identify product trends and anomalies; make actionable recommendations to product managers and leadership; maintain a constant pulse on health of the business and Product department by tracking key performance indicators against targets and investigating key trends and their underlying drivers.
• Present analysis and data visualizations to stakeholders and executives clearly and persuasively.
• Plan and manage large-scale, complex projects independently.
• Pioneer best practices in PEMCO product builds, tools, and processes to improve analysis and efficiencies.
• Own end-to-end product and rating reviews, including making pricing and underwriting recommendations.
• Manage filing workflow for Product initiatives and work to improve internal and external filing processes.
• Lead the development and implementation of analytical strategies with our Product Manager(s) and Actuarial team.
• Develop and document complex system workflows and business processes.
• Create advanced queries, dashboards, and tools for analyzing and tracking product success; identify enhancements and efficiency gains in data strategy and warehousing; consult on data fields, calculations, and methodology.
• Mentor less experienced analysts, helping them improve and sharpen their skills by sharing best practices.
• Demonstrate behaviors consistent with PEMCO's policies, values, code of ethics and business conduct.
• Authentically support the PEMCO Brand and constantly are on the lookout for top talent to join us to achieve our Mission to Worry Less and Live More.
• Other duties as assigned.

What You'll Bring:

• B.A. or B.S. degree or equivalent work experience (Business, Economics, mathematics, or other quantitative fields of study) is required

• Graduate or other professional degree or equivalent work experience is preferred

• 10+ years of experience in corporate analytical roles with increasing scale, scope and complexity involving pricing insurance products (or similar work) including experience in integrating, managing and manipulating large data files from various corporate systems and external sources is required

• 5 years of experience in the property and casualty insurance industry is required

• Organized: Has excellent time management skills and easily manages multiple tasks, activities, and projects is required

• Business Environment: Has a thorough understanding of our industry, the relevant business landscape, trends in growth and insurance environments; the ability to spot early indicators of change and apply strategies to adapt quickly is required

• Compliance: Knowledge and understanding of relevant laws, rules, and regulations is required

• MS Office: Skilled proficiency in Excel, Word, PowerPoint, Outlook is required

• Job specific: Skilled proficiency in SQL, SQL Server, and data visualization is required

• Problem Solver: Ability to analyze, diagnose and resolve complex unstructured problems quickly, efficiently, and collaboratively is required

• Communicator: The ability to communicate clearly and informatively, verbally and in writing, with colleagues, customers, and the community in both technical and non-technical professional language is required

• Presenter: Organizes data visually and speaks clearly and persuasively in group presentations and meetings with multiple peer groups and senior management is required

• Job specific: Ability to demonstrate high level of skill in quantitative modeling, knowledge of data structures and ability to write complex SQL queries is required

• Precision: Is detail orientated and has a strong desire for accuracy and thoroughness is required

• Independent: Is highly self-motivated and self-directed. The ability to work with limited direction and communicate relevant information to the appropriate levels during times of uncertainty is required

• Highly Analytical: Is passionate about working with disparate datasets bringing data together to answer business questions. Collaborates to create, manage, and translate data to meaningful insights. Can work with external vendors to integrate data for analysis; knows how to build efficient and scalable infrastructure and data models is required

• Analytical and data-driven: Thinks analytically; a structured thinker who can put complex ideas into clear frameworks; uses data to conduct root cause analysis and develops high quality, consumable, and consistent metrics that drive strategic objectives and priorities is required

• Organizational Savvy: Interfaces cross-functionally with both technical depth and business savvy. Understands company goals and objectives; thinks critically about business challenges and resolutions. Demonstrates keen listening and observation skills

• Job specific: Proficiency in Power BI, Tableau, and WTW Radar is preferred

Compensation:

The pay range for this role is shown below. Compensation decisions are determined based on an individual’s qualifications, job-related knowledge, skills, and experience.

• Greater Seattle area target pay range: $140,768 - $172,050. The full pay range is $117,307 - $195,511.
• Outside Greater Seattle area target pay range: $124,231 - $151,837. The full pay range is $103,526 - $172,542.

Greater Seattle Area is defined as working within approximately 100 miles of Seattle. Outside Greater Seattle is defined as working approximately 100 miles or more from Seattle.

Benefits:

Regular part-time PEMCO employees working at least 24 hours per week and regular full-time PEMCO employees are eligible to elect coverage under medical, dental, and vision plans for themselves and their eligible family members with generous employer premium cost shares. In addition, as a benefits-eligible employee, you are:

• covered by employer-paid basic life and accidental death & dismemberment insurance policies as well as long- and short-term disability benefit coverages.
• eligible to participate in PEMCO’s 401(k) plan, which includes a generous employer match (2 for 1 on the first 6% employee pre-tax and/or Roth deferral, up to federal maximums).

PEMCO provides the following paid leave programs for benefits-eligible employees in their first year of PEMCO employment:

• Vacation and eight (8) paid holidays.
• Granted four (4) floating holidays and up to ten (10) days of sick leave immediately upon hire (pro-rated based on hire date and full-time/part-time status).
• In addition, PEMCO provides paid time off for bereavement, jury duty, and employee volunteering in the community.

Other miscellaneous benefit programs offered by PEMCO include:

• Education Assistance Program after one year of service.
• Scholarship program for children of PEMCO employees after one year of service; children’s birthday gift program
• Flexible Spending Accounts, Employee Assistance Program, and charitable gift matching

Other compensation depending on role, contributions, and performance may include:

• Discretionary bonuses.
• Tiered sales commissions and/or incentives

Equal Employment Opportunity:

At PEMCO, we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our products, and our community to flourish. PEMCO is honored to be an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or veteran status.

Accommodations

At PEMCO, people are at the heart of our business. We’re committed to providing an inclusive hiring experience for all candidates. If you need reasonable accommodations to apply for a role or participate in an interview, please contact us by email with your name, the job reference number(s), your preferred contact method, and a brief description of the accommodation needed. Requests are considered on a case by case basis in accordance with applicable disability laws, including the ADAAA.

Applicants have rights under Federal Employment Laws:

• Family and Medical Leave Act (FMLA)
• Equal Employment Opportunity (EEO)
• Employee Polygraph Protection Act (EPPA)