Actuarial Analyst

Arbol • Sarasota, FL

1d • $120,000 - $150,000

About The Position

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.

We’re seeking a talented Actuarial Analyst to support core actuarial work across rate indications and filings, reserving, reinsurance analytics/reporting, and portfolio management. You'll work primarily with homeowners policies across coastal states in the southern US, although we're rapidly expanding into new lines and territories as well. This role is ideal for someone who likes building clean analyses, is comfortable working with imperfect data, and is eager for real ownership.

Requirements

• Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or related quantitative field.
• 1-4 years of P&C actuarial experience (homeowners preferred).Progress towards CAS credentials: at least 2 exams passed; more is a plus.
• Strong analytical and problem-solving skills; able to communicate findings clearly to non-technical stakeholders.
• Proficiency in Excel and Python

Nice To Haves

• Homeowners experience: catastrophe exposure, weather/CAT analytics, inflation/trend work, or rate filing support.
• Experience with reserving methods (e.g., chain ladder/BF/Cape Cod style approaches) and/or pricing indications.
• Familiarity with reinsurance structures (quota share, XoL, cat programs) and basic ceded reporting concepts.
• Experience building repeatable analytics (dashboards, automated data pulls, version-controlled workflows).
• Knowledge of policy/claims data structures and common insurance KPIs.

Responsibilities

• Support development of rate indications and pricing analyses (e.g., territory, deductible, and other rating factors).
• Assist with monitoring rate adequacy, loss trends, inflation impacts, and emerging experience.
• Build and maintain pricing tools, exhibits, and documentation used for internal decisions and regulatory filings.
• Assist in quarterly reserve analyses (e.g., triangles, ultimate loss selections, IBNR, diagnostics) for homeowners and related lines.
• Monitor loss emergence, claim severity/frequency trends, and CAT vs non-CAT performance.
• Partner with Claims and Finance to reconcile results, investigate drivers, and improve data quality.
• Support reinsurance reporting and analytics (e.g., ceded loss estimates, billing, treaty performance monitoring).
• Help evaluate reinsurance program impacts on earnings volatility, capital, and tail risk.
• Build recurring dashboards and deep-dives on portfolio performance: loss ratio decomposition, retention, mix shift, underwriting actions, and segment performance.
• Support scenario analyses (e.g., catastrophe load sensitivity, trend sensitivity, rate change impacts).
• Collaborate with Underwriting, Claims, Finance, Data/Engineering, and Leadership on special projects (product changes, underwriting guidelines, new territories/segments, vendor evaluation, etc.).
• Contribute to process improvements, automation, and better controls/documentation.

Benefits

• Arbol is proud to offer its full-time employees competitive compensation and equity in a high-growth startup.
• Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health.
• We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level