Insurance Product Manager - Kin

Quick Summary

You'll design new insurance products and features, then drive their rollout across new and existing states. 5+ years of product development experience required.

Who We Are

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.

Using data, technology, and thoughtful human support, we're building products that are clear, fair, and help homeowners feel confident — so homeowners aren't left behind when they need help most.

Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 14 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability foster outstanding growth, attract marquee investors, and earn recognition and accolades.

The Opportunity

We're looking for a Pricing and Risk Manager to help us build the next generation of insurance products and coverages as well as expand Kin's footprint across states. This role sits at the intersection of pricing strategy and product development — turning market insight and risk analysis into new coverage options, rating features, and pricing enhancements that customers actually feel.

This is a hands-on, builder-focused role. You won't be managing a team — you'll be directly shaping the products and features that power Kin's growth, from initial concept through launch in both new and existing states. Your work will directly influence how competitively and confidently Kin can enter new markets and deepen its presence in current ones.

Your Responsibilities

• Design and develop new insurance products, rules, coverages, and enhancements that improve competitiveness and customer value.
• Lead state expansion efforts by building and launching pricing models for new states, and optimizing existing state models for performance.
• Own the research and proposal of new products, rules, coverages, and enhancements.
• Own the end-to-end rollout process, from initial pricing analysis through launch and post-launch monitoring.
• Leverage AI and machine learning tools to enhance pricing accuracy, uncover emerging risk patterns, and accelerate analytical workflows.
• Partner cross-functionally with actuarial, product, and compliance teams to ensure new features are technically sound and regulator-ready.
• Build and maintain dashboards and KPIs that track the performance of newly launched products and pricing features.
• Translate market and competitive research into concrete product recommendations and pricing adjustments.
• Identify opportunities for pricing innovation ahead of state expansion, ensuring readiness for regulatory review and market entry.

Success in This Role

In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. By the end of your first year, you should deliver outcomes including:

• New pricing products or features successfully launched, showing meaningful impact toward growth goals.
• State expansion pricing models built, validated, and ready for regulatory submission.
• AI/ML tools actively integrated into the pricing development workflow, improving speed or accuracy of analysis.
• Cross-functional partners trusting your product recommendations and relying on your analysis to make launch decisions.

What You'll Bring

• 5+ years of insurance product development experience.
• Demonstrated experience building or launching new insurance products, features, or rating enhancements.
• Experience supporting state expansion efforts, including new-state pricing model development and regulatory readiness.
• Hands-on experience applying AI and machine learning tools to pricing, underwriting, or risk workflows, with measurable results.
• Strong understanding of regulatory modeling and compliance requirements across multiple states.
• Ability to translate market research and competitive analysis into concrete pricing and product recommendations.
• Comfortable partnering cross-functionally with actuarial, product, and compliance teams without formal authority.
• Homeowners insurance experience preferred but not necessary.

How We Work

• Run through walls, together: High performance, low drama, always respectful.
• Raise the bar. Drop the ego: Work in sync to achieve team success.
• Act like an owner: Fully accountable for achieving Kin’s mission.
• Operate lean. Deliver more: Relentlessly prioritize and use technology, including AI, to multiply impact.
• Keep asking ‘What if?’: Base decisions on data, experiment, and embrace continuous learning.

Where We Work

We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration. This position is open to candidates residing in 41 US states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI.