Keith Rutman

KMR Business Solutions, LLC is a professional services company that provides leadership and executive coaching, strategy and innovation development, operational improvement, and interim executive leadership to growth-oriented businesses. Sample engagements include: • Leadership coaching. Provide career and transition coaching to mid- and senior-level leaders to help navigate opportunities and challenges in their careers and to find better alignment between their professional journeys and personal goals. Services include values definition & prioritization, opportunity assessment, resume development and promotional interview preparation. • Executive leadership. Serve in interim and fractional leadership roles within client companies. Recent roles include President, Chief Operating Officer, Strategy Advisor and Product Innovation Lead for growth businesses in Professional Coaching, InsurTech, Financial Services and other industries. • Product strategy and innovation. Created InsurTech start-up to digitally deliver innovative, on-demand, telematics-enabled, commercial insurance products and services via mobile technology. Led all aspects of consumer research, product design and development, digital user experience, pricing, underwriting, claims, marketing, technology, financial modeling, and trademark/legal. Delivered multi-year initiative on time and on budget for market launch. • Strategy development. Conducted primary and secondary research to inform business strategy development in $250M financial services company to drive organic growth.

Formerly Saggezza, Inc.; acquired by Infostretch in 2021 and merged with Apexon in 2022.

Rapidly assessed financial, operational and cultural challenges in $400 million emergency-response business. Designed, launched, and led turnaround plan for sustainable, profitable growth in both the wholesale (B2B) and retail (B2C) customer segments. Restructured organization to align skills sets to roles with clearly-defined accountabilities.

Led enterprise initiative to create value for business owners as a new customer segment for Allstate. Defined business-to-business strategy, goals, metrics, organization structure, operating philosophy, processes and support resources required to launch Allstate Business-to-Business (B2B).

Led countrywide P&L and cross-functional team of 90 product management, sales, and marketing employees for $1.8 billion portfolio of 10 powersports, property, and liability insurance products. Prioritized and allocated resources across the portfolio to develop and launch innovative products, technologies, distribution channels, sales and marketing tactics, and measurement tools to drive profitable growth.

Managed $1 billion countrywide portfolio of specialty property and liability insurance products, including: renters, condominium, manufactured home, landlord, personal umbrella, scheduled personal property, and flood. Accountabilities included pricing, underwriting, contract administration, data analytics, regulatory compliance, and profitable growth via new product development and sales education.

Led 6-person team in providing financial analysis, measurement, and reporting to Product Operations function.

Led the strategic planning process for Property & Casualty business unit. Built and led a 10-person, internal strategy consulting group to assess organic and inorganic growth opportunities.

Analyzed demographic, geographic, psychographic, financial and competitive data to create annual marketing plans and forecasts aligned with profitable growth objectives.

Led all aspects of client engagements to deliver strategy development, process improvement, and organization redesign solutions to Fortune 500, regulated businesses in the U.S. and Southeast Asia. Industry experience includes Insurance/Financial Services, Oil & Gas, Healthcare, Automotive, and Retail.

Analyzed competitive intelligence for use in sales and marketing.