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About the Role

Guardian is seeking an Indexed Product Development Lead to drive the development and management of our indexed annuity products in close partnership with the Head of Indexed Annuities. This role is for a hands-on product builder who thrives on turning market insight into differentiated solutions, translating design into detailed specifications, and coordinating partners to build and manage these solutions. Practical expertise in Fixed Indexed Annuities (FIA) and Registered Index-Linked Annuities (RILA) and a passion for customer-centric design are essential.

Responsibilities

Own the development, implementation and management of a portfolio of indexed annuity solutions.
Build and maintain the indexed annuity near-term and long-term product development roadmap.
Keep a healthy pipeline of concepts, enhancements, and in-force initiatives aligned to strategy.
Establish business cases for new products and enhancements, including market opportunity, competitive positioning, financial rationale, and risk considerations.
Coordinate R&D across Pricing/Actuarial, Competitive Intelligence, Distribution/Sales, and senior leadership to assess viability, competitiveness, and alignment with business objectives.
Identify emerging market opportunities, consumer needs, and industry trends, and translate them into differentiated product solutions.
Lead cross-functional working sessions that drive design and pricing decisions from concept to launch.
Partner with the implementation team to develop and maintain detailed product specifications and supporting documentation.
Serve as the subject matter expert for indexed annuity products and riders currently and previously sold, supporting internal and external partners on product mechanics and positioning.
Manage day-to-day new product and enhancement issues and the existing block of in-force indexed annuity business, including ad-hoc product requests and sale exceptions.
Participate in the contract and form drafting process and partner with Contracts, State Filings, and Compliance on filings and approvals.
Support the development and review of marketing collateral, training, and field enablement during implementation.
Contribute to product governance and risk processes by assessing impacts to product design, pricing, business mix, and portfolio performance.
Establish credibility across the business to communicate product updates clearly to all levels of the organization.

Requirements

A bachelor’s degree, or equivalent related work experience.
5+ years of annuity product development experience or closely related annuity experience; indexed annuity (FIA/RILA) experience required.
Working knowledge of annuity product mechanics, pricing concepts, the regulatory and filing environment, and distribution dynamics.
Strong executive and technical communication skills with the ability to ensure clarity and accuracy in external and internal product related materials.
Excellent influencing, organizational, facilitation, and communication skills; able to gain consensus and cultivate strategic internal relationships.
Strong analytical capability, financial acumen, and sound business judgment.
Ability to manage several dissimilar projects concurrently and prioritize appropriately in a fast-paced, matrixed environment.
Must be legally authorized to work in the United States, without the need for employer sponsorship/support now or at any time in the future.

Skills

Indexed annuities (FIA/RILA)
Product development
Market insight translation
Customer-centric design
Product design
Detailed specifications
Cross-functional team coordination
Product mechanics
Pricing concepts
Regulatory and filing environment
Distribution dynamics
Executive communication
Technical communication
Influencing
Organizational skills
Facilitation
Communication skills
Analytical capability
Financial acumen
Business judgment

Location

Hudson Yards, New York
Bethlehem, PA (hybrid)
Pittsfield, MA (hybrid)
Stamford, CT (hybrid)
Boston, MA (hybrid)

Work Type

Hybrid

Experience Level

5+ years of annuity product development experience or closely related annuity experience

Education Level

Bachelor's degree or equivalent related work experience

Salary/Compensations

$132,420.00 - $217,545.00

Benefits

Support and flexibility to achieve professional and personal goals
Skill-building
Leadership development
Philanthropic opportunities
Contemporary, supportive, flexible, and inclusive benefits and resources

About the Company

At Guardian, we do the right thing, we believe people count, we courageously shape our future together, and we go above and beyond for the people we serve.
Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities.
Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship.

Equal Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.