Senior Insurance Product Analyst

Quick summary Drive pricing accuracy and smarter risk decisions by advancing core models, shaping insights, and influencing strategy through advanced analysis. 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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest.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 13 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 (2021-2024) - Inc. 5000 Fastest-Growing Private Companies - Forbes’ Fintech 50 - Great Places to Work Certified (2024-2026) Most importantly, we’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building,visit kin.com http://kin.com and see how we work https://www.linkedin.com/company/kin-insurance/life/kin/. The opportunity We’re looking for a Senior Pricing and Risk Analyst to help advance Kin’s pricing sophistication and risk segmentation as the business scales. This role is designed for someone whose core analytical responsibilities have become second nature—and who is ready to form opinions, share ideas, and influence how pricing decisions are made. You’ll develop and maintain pricing models, analyze profitability and risk drivers, and partner closely with underwriting and product teams on rate filings and model enhancements. This role will place increased emphasis on competitive intelligence, market research, and the use of AI-enabled tools to enhance data analysis and decision-making. Your responsibilities - Develop and maintain pricing and risk models with limited supervision, ensuring accuracy, transparency, and scalability - Analyze product profitability, loss trends, competitive positioning, and risk segmentation to inform pricing decisions - Conduct competitive intelligence analysis, including familiarity with tools such as InsureQuote and market benchmarking sources - Partner with underwriting and product teams on rate filings, state-specific pricing strategies, and ongoing model refinement Support state product research efforts, with a focus on Texas and other growth markets - Analyze and model catastrophic perils (e.g., wind, hail) and their impact on pricing, segmentation, and portfolio risk - Leverage AI tools and advanced analytics techniques to improve efficiency, deepen insights, and accelerate analysis - Explore new data sources and evaluate multiple inputs to strengthen analytical conclusions - Identify risks, inefficiencies, and improvement opportunities within pricing workflows - Develop templates, share best practices, and mentor junior analysts through collaboration and review Success in this role - Pricing models and analyses are reliable, well-documented, and trusted by stakeholders - Competitive intelligence and market insights meaningfully influence pricing and product strategy - State-level research and catastrophe risk analysis improve decision-making in key markets like Texas - AI-enabled analysis drives faster, higher-quality insights without sacrificing rigor - Cross-functional partners proactively seek your input and perspective - Junior analysts benefit from your mentorship, templates, and knowledge sharing - Process improvements lead to more efficient, scalable analytical workflows What you’ll bring - 3+ years of pricing, risk, actuarial, or advanced analytics experience in insurance or a related field - Experience developing and maintaining pricing or risk models in a production environment - Strong understanding of predictive modeling techniques, including GLMs and pricing segmentation - Experience with competitive analysis, market research tools, or platforms such as InsureQuote - Working knowledge of catastrophe risk concepts, including wind and hail exposure - Proficiency in Python or R and SQL (including complex joins) - Comfort using AI or advanced analytical tools to enhance data analysis and efficiency - Ability to synthesize insights from multiple data sources to support pricing decisions - Clear, proactive communication of assumptions, risks, and recommendations - Comfort receiving feedback, maintaining high quality standards, and continuously improving how work is done How we hire We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until April 13th, 2026. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions. The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us: - Prompt updates and feedback following interviews - Interviews with recruiters, hiring managers, and members of teams - Skills assessment relevant to the position, if applicable - Genuine, thoughtful human interaction at every step How we support you We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date. Core Benefits - Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level - 401(k) with company match up to 4% of eligible earnings - Multiple medical plan options, plus dental and vision coverage - Company-funded HSA contributions (based on medical plan selection) - Company-paid life insurance and short-term disability Health & Wellbeing - Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 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 - A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance - Access to mental health support and confidential counseling resources Growth & Development - Career mobility and internal growth opportunities across the organization - Professional development budgets for certifications, conferences, and learning available, subject to management approval HOW WE WORK We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers. Run through walls, together - Our industry is stuck in the status quo. But Kin is different. We are challengers. Innovators unwavering in our mission to fix insurance for those who need it most. We are changing insurance for good. We roll up our sleeves, take action, and get “impossible” things done every day with grit and teamwork. Raise the bar. Drop the ego - Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths. Act like an owner - We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Take ownership. Do the right thing, even when it‘s hard. Because when Kin thrives, so do you. And so do our customers. Operate lean. Deliver more - We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn't a limitation – it's our competitive advantage. Keep asking ‘What if?’ - We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company. 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. For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI. For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, 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. Please only apply if you are able to live and work full-time in one of the states listed above. For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered. State locations and specifics are subject to change as our hiring requirements shift. EEOC STATEMENT Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to careers@kin.com