Pricing & Risk Manager

🔥 3 minutes ago

🏈 Alabama, Arizona, +36 more states – Remote

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💵 $120k - $140k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🎲 Risk

🦅 H1B Visa Sponsor

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👻 Ghost score 1%

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Logo of Kin Insurance

Kin Insurance

501 - 1000 employees

Founded 2016

🛡️ Insurance

💸 Finance

👥 B2C

Insurance • Finance • B2C

Kin Insurance is a digital insurance company that offers homeowners, landlord, condo, mobile home, high-value home, flood, and auto insurance, along with mortgage products such as home loans, refinancing, home equity loans, and HELOCs. Kin emphasizes affordable, easy online quoting and policy management, claims support, and customer service, operating directly to consumers across multiple U. S. states.

📋 Description

• Own P&L performance for multiple Southeast states across homeowners, auto, and related insurance lines • Develop and execute state and product strategies covering pricing, coverage and forms, underwriting guidelines, retention, conversion, and customer experience • Analyze performance data, competitive intelligence, and customer feedback to refine coverage offerings and improve application and policyholder journeys • Partner with actuarial teams on rate-making, forecasting, segmentation, and risk selection strategies • Lead regulatory filings and manage approval processes for rate and product changes • Collaborate with technology teams to improve agent and customer experiences through system enhancements and process improvements • Identify and implement automation and operational improvements to increase efficiency and scalability • Serve as subject matter expert on assigned state markets, regulatory environments, competitive dynamics, and product performance • Define and validate product-market fit using quantitative analysis and customer insights • Lead cross-functional projects from planning through execution • Drive profitable growth and ensure state-specific homeowners products are competitively priced, operationally sound, and aligned with financial and risk goals

🎯 Requirements

• 3+ years of insurance product experience and 4+ years of relevant functional experience • Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline • Direct insurance product management experience • Strong understanding of state-level P&Ls, insurance regulations, and product requirements • Experience with rate-making, forecasting, modeling, competitive analysis, and risk portfolio management • Ability to operate effectively in fast-paced environments and quickly grasp new concepts and technologies • Strong project management skills • Clear, persuasive communication skills and ability to influence cross-functional stakeholders • State Management experience in hurricane-exposed states (bonus) • Comprehensive understanding of reinsurance structures and key concepts (bonus) • Advanced statistical and analytical expertise to optimize risk portfolios and maximize risk-adjusted returns (bonus) • Must be able to live and work full-time in one of the listed eligible U.S. states • Must be authorized to work for any employer in the U.S.; sponsorship requirements are addressed in the application

🏖️ Benefits

• Company equity through Restricted Stock Units (RSUs) • 401(k) with company match up to 4% of eligible earnings • Multiple medical plan options • Dental and vision coverage • Company-funded HSA contributions • Company-paid life insurance and short-term disability • Supplemental long-term disability, critical illness, accident, legal, and pet insurance • Mental health support and confidential counseling resources • Flexible PTO for exempt employees, with most employees taking 15–20 days per year • 8 company-observed holidays • Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents • Career mobility and internal growth opportunities • Professional development budgets for certifications, conferences, and learning, subject to management approval • Remote-first work arrangement • Offices in Chicago, IL and St. Petersburg, FL for collaboration

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