• Own and prioritize the product backlog for life insurance and annuity agency management solutions, ensuring alignment with business objectives and regulatory requirements. • Collaborate with Sales/Distribution, Operations, Compliance, Finance, BI, UX and IT teams to define and refine product requirements supporting life and annuity sales, servicing and agency management workflows. • Facilitate backlog grooming, user story development, and acceptance criteria definition in an Agile environment. • Translate complex life and annuity business needs into well-defined user journeys, functional requirements, user stories, and workflow designs. • Drive product capabilities across key areas including: Agent recruiting, onboarding, contracting, and licensing, Illustrations and product comparison, Application intake (eApp and hybrid), Underwriting and requirements management, Suitability and best interest workflows, Policy issuance, delivery, and funding, Post-issue servicing and in-force management, Agency practice and performance management, Commissions, advances, chargebacks, and reporting. • Participate in Agile ceremonies including sprint planning, backlog refinement, reviews, retrospectives, and demos. • Partner closely with engineering and UX teams to ensure solutions are intuitive, scalable, and aligned with real-world agent and operations workflows. • Work with QA teams to ensure testing strategies adequately cover critical life and annuity business scenarios, compliance rules, and edge cases. • Support user acceptance testing (UAT), partnering with sales, underwriting, and operations teams to validate new capabilities prior to release. • Monitor product performance, adoption, and operational metrics to identify opportunities for continuous improvement. • Stay current on life insurance and annuity industry trends, carrier practices, and regulatory changes impacting product design and distribution. • Lead Voice of the Customer initiatives with our sales/distribution partners to ensure we continually received feedback and insights from our core cohorts.

• Lever is a user-centered design product. This means you will be speaking with users regularly and collaborating with other teams to accomplish goals. • As the Product Manager, you will develop deep understanding and empathy for users and it is also your responsibility to define the priority of work and communicate the value and purpose to internal stakeholders and customers.

• Own the end-to-end product strategy across our distribution ecosystem – including independent agents (direct + via comp raters), hosted and API partnerships, and direct onboarding flows. • Drive roadmap clarity across multiple teams: ensure every PM knows the problem they are solving, the impact they are targeting, and how to measure success. • Partner with Engineering, Design, Analytics, Business Development, and State Management to bring new distribution products and experiences to market. • Set and maintain northstar metrics and OKRs across channels – balancing conversion, cost, partner needs, and long-term customer value. • Push the organization to move fast: remove blockers, simplify decision-making, and enforce high standards for shipping quality work. • Manage and develop a team of 4-6 Product Managers across IA, Partnerships, and DTC onboarding. • Coach PMs on problem definition, experimentation, hypothesis generation, and product craft. • Establish a culture of rigor – teaching “why” before “how” and driving teams to own outcomes rather than output. • Partner with cross-functional leaders to continually raise the bar on product quality, collaboration, and execution. • Help scale the distribution product organization as Root grows into new markets and partner ecosystems.

• Manage all aspects of new product implementation and existing product modifications, including the design and development of new services • Review new developments in markets, evaluating and recommending new services or new products, or the modification of existing services or products • Support the development of a product vision, strategy, and roadmap for digital asset offerings, ensuring alignment with business goals and market needs • Develop business case recommendations for investment to executive sponsors • Evaluate market entry digital asset products such as coin issuance, tokenized deposits, wallet management, B2B and cross-border payments, reserve management, and crypto settlement services • Establish partnerships with important external entities in the digital asset sector to enhance the Bank's time-to-market and presence in potential business models • Support work to integrate with blockchain infrastructure players, both existing and emerging • Ensure compliance with relevant regulations (e.g., KYC/AML, financial risk management) and coordinate regulatory submissions when required • Support the development of a stablecoin risk management control framework • Gather user feedback, monitor market trends, and analyze key performance metrics to refine products and drive adoption • Partner with Sales and Relationship Management to stay deeply connected to the voice of the customer, and deliver clear sales‑enablement collateral and support in new product capabilities and enhancements