---
title: 'Senior Director, Product Management, Consumer (Bottom-Funnel) at Ethos Life'
canonical: 'https://feeny.ai/job/senior-director-product-management-consumer-bottom-funnel-ethos-life-united-hn6n8ea4r71n'
type: 'job'
last_seen: '2026-10-19'
---

# Senior Director, Product Management, Consumer (Bottom-Funnel) at Ethos Life

- **Company:** Ethos Life
- **Location:** United States
- **Work type:** remote
- **Posted:** 2026-09-30
- **Last confirmed live:** 2026-10-19
- **Apply:** https://job-boards.greenhouse.io/ethoslife/jobs/8859340002

## Job description

## About Ethos

Ethos (Nasdaq: $LIFE) is a leading life insurance technology company on a mission to protect families by democratizing access to life insurance and empowering agents at scale. With its robust three-sided technology platform, Ethos is transforming the life insurance experience for consumers, agents, and carriers alike. Ethos offers instant, accessible products and a seamless online process that requires no medical exams and just a few health questions; it eliminates traditional barriers, making it easier than ever for everyone to protect their families. Ethos is redefining how life insurance is bought, sold, and underwritten.

## About the Role

Ethos has digitized one of the most painful journeys in consumer finance. Today, someone can apply for life insurance in minutes, with no medical exam and just a few health questions. Our digital experience is highly functional; now we want to make it inspirational, educational, and genuinely helpful at the moments that matter most.

We’re looking for an exceptional Product leader to own the back half of our consumer funnel: the health interview where users answer sensitive questions and get an instant underwriting decision and the post-approval experience where they choose how much coverage they need, for how long, and complete their purchase. These are the highest-stakes moments in the journey, where trust, clarity, and confidence determine whether a family ends up protected. Your work will have a direct and positive impact on people’s lives at scale.

This is a role for a senior product leader who pairs first-principles thinking and deep consumer empathy with rigorous experimentation and a talent for simplifying complexity. Ethos is a product-first company, and Product leaders (as well as PMs) here operate with a high degree of ownership.You'll lead a team of product managers, set the multi-year vision for these surfaces, drive your team’s quarterly planning and roadmap, and be accountable for results at scale.

Duties and Responsibilities:

Leadership & People Management

- Lead, coach, and grow a team of product managers, building a culture of ownership, rigorous experimentation, and shared learning
- Set clear goals and development plans for your team, run regular performance conversations, and raise the bar on PM craft
- Partner with recruiting to hire exceptional PMs as the team scales
- Stay hands-on: go deep with your PMs and cross-functional team to give them the steering, feedback, and unblocking they need to excel

Strategy & Vision

- Own the product vision and roadmap for the application and purchase experience, from the start of the health interview through policy purchase and early retention
- Translate business goals into a portfolio of bets, balancing big swings that get signal quickly with disciplined follow-ups
- Drive operational excellence in experimentation on lower-traffic, high-value surfaces: fast kill-or-continue decisions, clean sequencing, and careful management of interacting tests

Cross-Functional Leadership

- Partner closely with Engineering, Design, and Analytics, and collaborate with Underwriting, Sales, and Compliance to create innovative solutions
- Represent the product function on complex cross-functional tradeoffs involving underwriting risk, operational cost, and conversion
- Communicate strategy, results, and learnings clearly to executive leadership and the broader organization
- Represent the user in every forum: advocate for experiences that are accessible, delightful, and simple

Qualifications and Skills:

- 10+ years of product management experience at high-growth technology companies, building consumer products at significant scale
- 5+ years managing and developing product managers, including managers or senior ICs, with a track record of building high-performing teams
- Deep experience owning conversion in complex, high-consideration purchase flows, ideally from application or checkout through purchase
- A track record of running rigorous A/B testing programs, including on lower-traffic surfaces where speed of decision-making matters
- Experience in fintech, insurtech, healthcare, or other regulated consumer industries, and comfort partnering with risk, operations, and compliance teams
- Experience with personalization or ML-driven recommendations is a strong plus
- Strong UX instincts and storytelling: you know how to explain complex financial decisions simply and help users feel confident
- Strong analytical orientation; proficient with SQL, Hex, Mixpanel, Amplitude (or similar) for self-serve analysis
- Exceptional communication clear reasoning; able to influence across functions and levels
- Comfortable operating at multiple altitudes, from multi-year vision to hands-on execution

#LI-Remote  #LI-MB1

The US national base salary range for this full-time position is $211,000 - $373,000. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training.

Please note that the compensation details listed in US role postings reflect the base salary only and do not include applicable bonus, equity, or benefits.

You can find further details of our US benefits at https://www.ethoslife.com/careers/ Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our [California Candidate Privacy Notice](https://res.cloudinary.com/getethos/image/upload/v1684458868/00_CMS/CURRENT_CRPA_Privacy_Notice_for_Job_Applicants_05-23.docx_-_Google_Docs_lr4j43.pdf).

Recruitment Notice: Please be aware of recruitment scams. All legitimate communication from our team will only come from email addresses ending in @ethos.com or @getethos.com.

We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent.

## About Ethos Life

## Company Overview
- **One-liner**: Ethos is a technology company that simplifies and accelerates the process of buying life insurance using AI-driven underwriting and a fully digital, vertically integrated platform.
- **Entity Type**: Public (NASDAQ: LIFE)
- **Headquarters**: San Francisco, California, USA
- **Founded**: 2016
- **Founders**: Peter Colis (CEO), Lingke Wang

## Core Business
- **Primary industry**: Insurance (Insurtech / Life Insurance)
- **Target customers**: B2C (consumers seeking life insurance), B2B (independent agents and brokers), and B2B (carrier partners).
- **Mission or purpose statement**: "To protect families by democratizing access to life insurance and empowering agents at scale." [sec.gov](https://www.sec.gov/Archives/edgar/data/1788451/000119312526029993/d901135d424b4.htm)

## Products & Services
- **Term Life Insurance**: Digital-first, fully online application and underwriting, with instant decisions for 95% of applicants. No medical exam required for many policies.
- **Whole Life Insurance**: Permanent life insurance product with a cash value component, offered fully online.
- **Indexed Universal Life (IUL) Insurance**: Flexible premium, permanent life insurance with growth potential tied to a market index.
- **Accumulation IUL**: An IUL product focused on cash value accumulation.
- **Supplemental Health Insurance**: Including Cancer Insurance and other health-related products.
- **Wills & Estate Planning**: A digital service to create wills and estate plans, extending the company's role in long-term family financial planning. [ethos.com](https://www.ethos.com/)
- **Agent OS**: An all-in-one operating system for independent agents that streamlines quoting, application submission, and policy management, enabling them to sell more policies efficiently. [sec.gov](https://www.sec.gov/Archives/edgar/data/1788451/000119312526029993/d901135d424b4.htm)

## Market Standing
- **Valuation/Market Cap**: Market Cap at IPO price (late 2025) was approximately $1.6B. Currently a public company; market cap fluctuates. Total funding prior to IPO was $606.5M. [linkedin.com](https://www.linkedin.com/company/ethoslife)
- **Key Metric**: Annual Revenue was **$387.6M** in the latest fiscal year. [linkedin.com](https://www.linkedin.com/company/ethoslife)
- **Key Metric**: **Over 500,000 policies activated** since inception. As of Sept 30, 2025, over **10,000 active selling agents** on the platform. [sec.gov](https://www.sec.gov/Archives/edgar/data/1788451/000119312526029993/d901135d424b4.htm)
- **Notable Investors/Partners**: General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank Vision Fund, Jay-Z, Kevin Durant, Robert Downey Jr. [job-boards.greenhouse.io](http://job-boards.greenhouse.io/ethoslife)
- **Growth Signals**: Revenue grew **60%** (from $160M to $255M) from FY2023 to FY2024. Headcount grew **35.5%** YoY. Expanded product lineup from 1 product in 2019 to 10 by end of 2024. Achieved GAAP profitability in 2023 and has maintained positive net income. Named to CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. [sec.gov](https://www.sec.gov/Archives/edgar/data/1788451/000119312526029993/d901135d424b4.htm)

## Competitive Advantages
- **Proprietary AI Underwriting Engine**: Ingests up to 250,000 data points per application (prescription history, credit scores, MVRs) to assess risk instantly and individually, leading to 95% of applicants getting a decision in minutes vs. weeks for traditional insurers. [sec.gov](https://www.sec.gov/Archives/edgar/data/1788451/000119312526029993/d901135d424b4.htm)
- **Asset-Light, Scalable Model**: Does not take balance sheet risk; partners with carriers for underwriting. This allows rapid scaling and high gross margins (97-98%).
- **Vertically Integrated Tech Stack**: Full-stack, cloud-native platform handles everything from distribution to underwriting, activation, and administration, creating a seamless experience and durable network effects across consumers, agents, and carriers.
- **Strong Network Effects**: As the platform scales and collects more data, the underwriting engine improves, which improves conversion and attracts more agents and carriers, creating a self-reinforcing flywheel.

## Strategic Focus
- **Product Expansion**: Rapidly adding new life insurance and adjacent financial products (IUL, estate planning, supplemental health).
- **Agent & Channel Growth**: Scaling the independent agent channel via Agent OS, while maintaining a strong direct-to-consumer channel.
- **International Expansion**: Operating in 10 countries (including India, Singapore, Canada, Lithuania), with significant engineering and operations hubs in Bangalore, India.
- **Continued AI & Data Science Moat**: Deepening the proprietary underwriting engine's capabilities to further improve conversion, pricing, and risk selection.

## Why Work Here
- **Culture**: Described as having "intellectual rigor," a "bias for impact," and a "one-team, one-dream mentality." Employees are empowered to dream big and execute quickly with minimal red tape. Values include "speak your mind" and "serve our families." [ethos.com](https://www.ethos.com/careers/)
- **Remote/Hybrid Policy**: "Digital-first" company. Over half of the team is remote across the US. Has offices in San Francisco, Bangalore, and Singapore. Many roles are "Remote US." [ethos.com](https://www.ethos.com/careers/)
- **Compensation & Benefits**:
    - Top-tier medical, dental, vision insurance.
    - 401(k) plan with company contributions.
    - Generous paid time off + full company holiday schedule.
    - **100% wage replacement** for new parents during parental leave; coverage for family planning and fertility.
    - **Company equity** for all employees. [ethos.com](https://www.ethos.com/careers/)
- **Impact**: Employees report having "outsized impact and true ownership" over successes, with the chance to "revitalize an industry for good." [ethos.com](https://www.ethos.com/careers/)
- **Growth Trajectory**: Rapidly growing (35%+ headcount growth), with recent IPO strength and a clear, well-funded path to market leadership in a massive, legacy industry.

## Sources
1. [ethos.com](https://www.ethos.com/)
2. [ethos.com/careers/](https://www.ethos.com/careers/)
3. [job-boards.greenhouse.io](http://job-boards.greenhouse.io/ethoslife)
4. [linkedin.com](https://www.linkedin.com/company/ethoslife)
5. [sec.gov](https://www.sec.gov/Archives/edgar/data/1788451/000119312526029993/d901135d424b4.htm)

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