Director Product Management - Risk Management

We exist for workers and their employers -- who are the backbone of our economy.  That is where Centivo comes in -- our mission is to bring affordable, high-quality healthcare to the millions who struggle to pay their healthcare bills.

Summary of Role:

The Director of Product Management, Risk Management owns our stop loss and captive product portfolio. This means defining how risk is structured, priced, and transferred across our book and turning that expertise into products that give self-funded employers a smarter, more sustainable way to manage their exposure.

You'll lead the full lifecycle of our risk products: program design, captive strategy, underwriting alignment, reinsurance structure, and ongoing performance management. You'll work across product, underwriting, actuarial, finance, and network teams — and you'll represent Centivo's risk capabilities externally with brokers, consultants, and industry partners.

This is not a generalist PM role. We're looking for someone who has built and managed stop loss and captive programs, knows the mechanics of quota share structures, and can move fluently between product strategy and technical underwriting conversations.

If you've spent your career at a stop loss carrier, MGU, or the risk division of a health plan — and you're ready to build something that actually changes how employers think about risk — we'd like to talk.

Responsibilities Include:

Stop Loss & Captive Product Ownership: Own the full lifecycle of Centivo's stop loss and captive product offerings — from program structure and feature design through launch, iteration, and ongoing performance management. Define and maintain product specifications for specific stop loss coverage, aggregate stop loss, and captive arrangements, ensuring terms, attachment points, and program features are competitive and financially sound. Lead the evaluation and design of level funding, minimum premium, and partial self-funding structures as differentiated market offe...