Senior Pricing Actuary - Kin

About Kin

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest.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.

Founded in 2016, Kin is a remote-first employer with team members across more than 35 states, serving customers in 13 states (and counting).

The Opportunity

We’re looking for a Senior Pricing Actuary to strengthen and evolve Kin’s actuarial pricing capabilities as we scale our homeowners portfolio. This role exists to ensure rate adequacy, sharpen segmentation, and elevate the technical rigor of our pricing analyses in a rapidly changing risk environment.

Reporting to the Director, Actuarial Pricing, you’ll operate as a highly technical individual contributor — building and refining indications, integrating catastrophe and reinsurance impacts, and modernizing workflows through automation and Generative AI tools. You’ll partner closely with actuarial leadership, insurance product, and technology teams to translate complex analyses into decisions that directly impact growth, profitability, and customer value.

Responsibilities

• Build and deploy tools using Generative AI and advanced analytics to automate pricing workflows and improve analytical insight.
• Perform statewide and segmented actuarial pricing indications for homeowners insurance products, ensuring rate adequacy and sound risk segmentation.
• Develop and enhance pricing methodologies by incorporating loss trends, expense assumptions, reinsurance costs, and catastrophe modeling outputs.
• Reconcile actuarial indications with financial performance and business objectives in partnership with actuarial leadership.
• Prepare actuarial support for rate filings, including exhibits, documentation, and responses to regulatory inquiries.
• Partner with insurance product teams to support rate changes, pricing reviews, and state expansion initiatives.
• Lead class plan builds and pricing support for new state launches and product expansions.
• Pull, clean, and validate data for CAT modeling; run catastrophe models and analyze results to inform ratemaking decisions.
• Collaborate with technology and data teams to improve data quality, automate analyses, and modernize pricing pipelines.
• Monitor regulatory developments, market trends, catastrophe activity, and structural changes that impact pricing strategy.

Success Metrics (First 6–12 Months)

• Pricing indications are timely, technically rigorous, and clearly reconciled to financial results and business strategy.
• New actuarial tools meaningfully reduce manual work and improve decision-making through automation and advanced analytics.
• CAT modeling and reinsurance impacts are consistently and accurately integrated into ratemaking analyses.
• Actuarial pipelines and documentation are reliable, transparent, and scalable to support continued state expansion and product growth.

Requirements

• Designation: FCAS or Career ACAS designation.
• Experience: 5+ years of actuarial experience in personal lines pricing.
• Technical Expertise: Demonstrated expertise in actuarial pricing techniques, including indications, trend analysis, and risk segmentation.
• Data Skills: Hands-on experience using SQL and Python (preferred) or R for data analysis and model development.
• Execution: Experience independently executing technically rigorous actuarial analyses.
• Modeling: Proficiency in Excel for advanced modeling and analysis.
• Innovation: Curiosity and practical experience leveraging Generative AI tools to improve actuarial processes.

Nice to Have

• Direct experience with Florida, Texas, and/or California residential property insurance.
• Experience supporting rate filings and responding to DOI inquiries.
• Experience working with large datasets and modern analytics workflows.
• Predictive modeling experience, particularly loss cost modeling.
• Experience in an insurtech or high-growth environment.
• Hands-on experience with Git/GitHub in a collaborative team setting.
• Advanced experience applying Generative AI tools in actuarial or analytics workflows.

Compensation & Benefits

• Equity: Restricted Stock Units (RSUs) granted as part of standard compensation.
• Retirement: 401(k) with company match up to 4% of eligible earnings.
• Health Coverage: Multiple medical plan options, dental, vision, and company-funded HSA contributions.
• Insurance: Company-paid life insurance and short-term disability, plus voluntary long-term disability, critical illness, and pet insurance.
• Wellbeing: Mental health support resources and confidential counseling.
• Time Off: Flexible PTO for exempt employees (typically 15–20 days/year) plus 8 company holidays.
• Parental Leave: Up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents.
• Growth: Professional development budgets for certifications, conferences, and learning.