Principal, Pricing Intelligence - Kin

Quick Summary

Own how AI reshapes pricing at Kin. Build tools that turn rate filings into rating engines, sharpen decisions, and expand AI's reach across the business.

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest.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 fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)
• Forbes' America's Best Startup Employers (2026)
• Inc. 5000 Fastest-Growing Private Companies
• Forbes' Fintech 50 (2023-2026)
• Great Places to Work Certified (2024-2026)

The Opportunity

We're looking for a Principal, Pricing Intelligence to lead how Kin uses AI to price homes more accurately in the toughest markets in the country. This role exists because our pricing challenges — climate volatility, regulatory complexity, and the pace at which the market moves — demand a new way of working, and building it deserves a dedicated owner.

Reporting to the Chief Insurance Officer and working closely with Kin's Chief Analytics Officer and CEO, you'll take a portfolio of AI-driven pricing initiatives from concept to production, then expand AI's footprint into adjacent parts of the business. The scope is unusually broad for a technical leadership role, and the impact is direct: better pricing means Kin can keep serving homeowners in places others have written off.

Your Responsibilities

• Own Kin's AI-enabled pricing strategy end to end — from identifying opportunities to building tools that turn rate filings, competitor filings, and internal rating logic into executable, auditable engines
• Build AI-assisted pricing infrastructure, including transcription of rate filings, deterministic validation, quote tracing, book re-rating, and source-level provenance so every pricing decision is explainable and defensible
• Embed AI into the pricing and risk management team's core workflows — rate reviews, segmentation, filings, and portfolio monitoring — replacing manual, time-intensive processes with faster, more accurate ones
• Translate portfolio, market, and climate-risk signals into concrete pricing actions on rate adequacy, risk appetite, eligibility, targeted growth, and remediation
• Scout, prototype, and scale AI applications beyond pricing, identifying where AI can multiply Kin's impact across underwriting, product, and operations
• Drive executive decision-making by delivering clear, defensible analyses and recommendations to the Chief Insurance Officer, Chief Analytics Officer, and CEO
• Lead cross-functional collaboration with actuarial, underwriting, product, and data engineering to move AI-driven pricing initiatives from concept to production

Success in This Role

By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you've helped make:

• Kin's CEO and Chief Analytics Officer have handed off AI-in-pricing exploration to a trusted owner, freeing them to focus on broader strategy
• At least one AI-assisted pricing tool is in production and adopted by the pricing and risk management team, with measurable gains in filing speed, pricing accuracy, or analyst leverage
• A prioritized roadmap of AI applications across pricing and adjacent functions exists, with early wins delivered and stakeholders aligned on what comes next
• The pricing team is making faster, better-informed decisions on rate strategy, risk appetite, and remediation because of the tools and frameworks this role has built

What You'll Bring

Hard Skills

• FCAS or equivalent depth in P&C actuarial pricing, with 10+ years across primary insurance; homeowners experience strongly preferred
• Fluency in Python and SQL, plus working experience with cloud data platforms like Databricks or Snowflake
• Internal Discovery: Experience leading discovery with internal users: mapping workflows, finding costly manual steps, and validating solutions before scaling them
• Regulated AI Experience: Experience designing AI systems for regulated environments, including human-in-the-loop review, evaluation and accuracy testing, audit trails, and model governance that satisfies regulators

Soft Skills

• Ability to communicate technical trade-offs and recommendations clearly to a C-suite audience
• Comfort operating with ambiguity — scoping your own work, prioritizing across competing opportunities, and moving from concept to production without a playbook
• Leveling up others: sets standards for how the pricing team uses AI and coaches analysts to adopt new tools

Bonus Points

• Contributed to open-source insurance tooling or built auditable rating engines
• Reinsurance experience or exposure to catastrophe modeling for wind, wildfire, or severe convective storm perils
• Experience building executive dashboards that integrate carrier experience, benchmarks, and third-party data

Benefits & Compensation

• Competitive salary and company equity through Restricted Stock Units (RSUs)
• Participation in the Kin Leadership Incentive Plan for additional annual compensation
• 401(k) with company match up to 4%
• Comprehensive medical, dental, and vision coverage
• Flexible PTO for exempt employees, plus 8 company-observed holidays
• Paid parental leave (up to 14 weeks for birthing parents, 8 weeks for non-birthing parents)
• Professional development budgets for certifications, conferences, and learning