Job Description

It's fun to work in a company where people truly BELIEVE in what they are doing!

We're committed to bringing passion and customer focus to the business.

Principal Product Manager

Fractal Analytics is a strategic AI partner to Fortune 500 companies with a vision to power every human decision in the enterprise. Fractal is building a world where individual choices, freedom, and diversity are the greatest assets. An ecosystem where human imagination is at the heart of every decision.

Fractal is focusing on selling world-class suite of vertical and functional AI products that solve high value enterprise problems​ under the brand Cogentiq.

About Cogentiq UnderWriting Platform:

Cogentiq Underwriting is Fractal’s AI‑powered underwriting intelligence solution designed to help insurance underwriters make faster, more confident risk decisions It works within existing core underwriting systems to turn incoming submissions into decision‑ready files by resolving data gaps, highlighting risk signals that rules alone miss, and providing clear, explainable insights at every step of the underwriting process.The platform continuously validates submissions, flags grey areas that require human judgment, and ensures every underwriting decision is backed by structured evidence, full traceability, and clear rationale—reducing rework, second‑guessing, and post‑bind quality issues.Cogentiq Underwriting enables underwriters and QA teams to move from manual reconciliation and spot checks to consistent, governed, and intelligence‑led underwriting decisions across the portfolio.

The Mission:

We are looking for a Principal Product Managerto own the roadmap and technical execution of Cogentiq-Underwriting Thisisn'ta traditional "ivory tower" PM role. You will be the technical architect of our 90-day go-live promise, acting as a bridge between deep AI research and the messy reality of commercial insurance workflows.

You will lead the transition from "Black-Box" AI to "Glass-Box" transparency, ensuring our platformdoesn'tjust predict risks but explains them using 120+ validated data points.

The Hands-On Reality (What You’ll Actually Do):

1. "Zero-to-One" Platform Architecture

• Technical PRDs:Write high-fidelity specifications for Agentic AI workflowsthat translate into process automation and decision intelligence Youaren’tjust listing "features"; you are defining how data flows from an unstructured PDFor Databaseinto a structuredUI/UX to help the User takeaccuratedecisions

• Glass-Box UX:Work directly with designers to build interfaces that simplify the life of the User while helping them perform at an expert level You will design how an underwriter "double-clicks" into an AI suggestionor compares current case withportfolio

2. Forward-Deployed Solutioning

• The 48-Hour Configuration:Lead "Bootcamps" where you configure Cogentiq-Underwriting productin front of Chief Underwriting Officers.Learn from the field rather than guess at your desk

• API & Integration Mapping:Partner with client IT teams to map Cogentiqinput-outputs into legacy systems (Guidewire, Duck Creek). You should becomfortablewhiteboarding an API integration or discussing data normalization strategies.

3. Commercial ROI Engineering

• The "Combined Ratio" Narrative:Translate technical improvements or systemaccuracy gains into bottom-line impact. You will build the Economic Value Modelsthat prove howCogentiqreduces loss ratios andimproves productivity.

• Rapid Prototyping:Use low-code tools or wireframes to test new " intelligence" features with users before they hit the engineering sprint.

Who You Are:

• The Architect-Diplomat:You have 10–12 years of experience. You can debate the nuances of configuration fileswith engineers at 10:00 AM and present a Business Caseto a CXOat 2:00 PM.

• Insurance Fluent:You don'tneed a glossary to understand Binding Authority, Loss Runs, or Schedule Rating You understand that for an underwriter, "trust" is more important than "speed."

• Bias for Action:You prefer a "working prototype" over a 50-slide deck. You are comfortable navigating the ambiguity of a startup where the "best way" hasn'tbeen written yet.

Technical Mastery (The "2 out of 5" Rule):

We value diverse backgrounds, but to lead this product, you mustdemonstrateExpert-Level Hands-on Skillsin at leasttwoof these domains:

1. AIProductDeep understanding of LLMsystems,engineeringoptions, architectures, and the trade-offs betweenAI,design, and configurations

2. Insurance DomainDeep knowledge of Commercial P&C workflows(Submission → Clearance → Risk Assessment → Quote). You know where the friction lives.

3. Solution Delivery:Experience as a Forward-Deployed Engineer or Technical PMat a high-growth SaaS or Palantir-style deployment model.

4. Growth Strategy:Proven ability to build Saasand Product-Led Growth(PLG) loops that drive platform adoption in "change-resistant" industries.

5.Platformengineering:Proficiencyin Dataflowdiscussions, understanding how toabstract a specific client requirement into anactionable schema

Qualifications:

• Educational Background:Bachelor’s degree in a STEM field (Computer Science, Engineering, Mathematics) or a Quantitative field (Economics, Finance) required; MBA or MS in Data Science/AI preferred.

• Professional Experience:10–12 years of total experience, with at least 5+ years inProduct Management, Technical Product Ownership, or PlatformEngineeringwithin a B2B SaaS environment.

• Domain Expertise:Direct experience in InsurTech, FinTech, or Enterprise AI A deep understanding of theinsuranceis highly preferred.

• AI/ML Implementation:Proven track recordof shipping and scalingsoftware or platformproducts, specifically those involving NLP, document extraction (OCR/IDP), or Large Language Models (LLMs) in a production environment.

• Technical Literacy:Ability to read API documentation, query databases using SQL, and use tools like Postmantovalidatetechnical integrations;sufficient fluency to understandcloud architecture (AWS/Azure) is a plusbut not necessary

• Strategic Execution:Experience leading client-facing deploymentsor "Bootcamps," with the ability to translate complex customer requirements into a configurable product roadmap.

• Systems Familiarity:Prior experience with (or exposure to) core insurance platforms like Guidewire, Duck Creek, orsuch othercoresystemsisa significant advantage.

• Product Craft:Expert-level ability to write Technical PRDsthat decompose ambiguous AI capabilities into granular logic, data schemas, and "Glass-Box" UI requirements.

• Commercial Acumen:Strong understanding of SaaS business metrics and the ability to build ROI modelsthat link product features to high-level business outcomes

• Soft Skills:Exceptional "translator" skills—the ability to command a room of skeptical subject matter experts (Underwriters) while maintaininghigh credibility with Senior Engineers.

• Mindset:High-agency, "full-stack" mentality; comfortable operating in the "gray area" of an early-stage startup where you must move from high-level strategy to hands-on configuration daily.

Location Preference Bengaluru

#LI-RT1

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

Hiring Related Queries

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