Product Analyst

Product Analyst – Product & Pricing

Location

Charlotte, NC

Position Type

Full-Time | Direct Hire

Compensation

$110,000–$130,000 annually

Reports To

Senior Manager, Product & Pricing

Position Overview

We are seeking an experienced Product Analyst to support product development, pricing strategy, financial analysis, and portfolio performance within a growing automotive protection and warranty services organization.

This position is ideal for an analytical, commercially minded professional with experience in vehicle service contracts, F&I products, insurance, actuarial analysis, or product pricing. The successful candidate will take ownership of product initiatives from initial analysis through recommendations, approvals, implementation, and ongoing performance evaluation.

This is a highly collaborative, hands-on role within a fast-growing organization where initiative, adaptability, and the ability to navigate evolving priorities are essential.

Key Responsibilities

Product Development & Pricing

• Lead product development, pricing analysis, and profitability initiatives across automotive protection and warranty products.
• Conduct loss studies, product performance evaluations, and financial modeling to support pricing recommendations.
• Analyze loss ratios, claims frequency and severity, reserves, product economics, and portfolio performance.
• Develop pricing strategies, rate recommendations, and product modifications based on data-driven insights.
• Evaluate product risk, contract structures, and financial performance to support business decisions.
• Own initiatives from analysis and recommendations through implementation and ongoing monitoring.

Financial & Analytical Reporting

• Develop and maintain analytical reporting, dashboards, and performance metrics.
• Utilize SQL, Excel, and business intelligence tools to analyze complex datasets and identify trends.
• Translate analytical findings into actionable recommendations for leadership and stakeholders.
• Monitor product performance and identify opportunities to improve profitability, pricing, and operational efficiency.

Client & Program Support

• Support client-facing product discussions, pricing reviews, and program evaluations.
• Prepare presentations and communicate analytical findings to internal leadership and external stakeholders.
• Partner with account management and operational teams to support product performance and client objectives.

Cross-Functional Leadership

• Lead product-related projects and initiatives across multiple departments.
• Coordinate with operations, compliance, technology, and client-facing teams to execute product initiatives.
• Drive process improvements, product launches, and strategic initiatives.
• Provide leadership through project ownership, collaboration, and subject matter expertise.

Qualifications

• 5–8 years of relevant experience in product administration, pricing, actuarial analysis, insurance, warranty, or financial analytics.
• Experience owning product, pricing, or analytical initiatives from initial analysis through implementation.
• Strong understanding of product economics, loss ratios, claims performance, reserves, pricing methodologies, and profitability analysis.
• Advanced Excel skills and experience utilizing SQL and business intelligence tools.
• Ability to interpret complex data and develop clear, actionable recommendations.
• Experience leading projects, programs, or cross-functional initiatives.
• Strong communication and presentation skills, including the ability to communicate with leadership and clients.
• Bachelor's degree in Finance, Accounting, Economics, Mathematics, Actuarial Science, Business, or a related field; equivalent experience considered.

Preferred Qualifications

• Experience within automotive F&I, vehicle service contracts, warranty administration, insurance, or actuarial environments.
• Experience with product launches, contract development, rate actions, or state regulatory considerations.
• Familiarity with reinsurance structures and product risk management.
• Experience with Python, advanced analytics, or AI-enabled analytical tools.

Ideal Candidate

• Highly analytical with strong commercial and financial acumen.
• Self-starter who takes ownership and operates independently.
• Comfortable working in a fast-paced, evolving environment.
• Adaptable and able to manage shifting priorities.
• Strong problem-solving skills and a continuous improvement mindset.
• Collaborative, professional, and confident communicating with stakeholders.
• Motivated by building, improving, and scaling products and processes.

Career Opportunity

This role offers the opportunity to contribute directly to product strategy, pricing decisions, and organizational growth. As the business continues to expand, there is potential to take on increased ownership, leadership responsibilities, and broader strategic initiatives.