Roamly - Actuary

The Ride Platform • San Francisco, CA

6d • $125,000 - $150,000 • Hybrid

About The Position

Roamly is seeking an Actuary to serve as the analytical engine for its program portfolio. This role involves building and maintaining pricing, reserving, and performance analysis. The Actuary will be involved in decisions regarding rates, appetite, and new program development. This is a high-visibility position in a growing company where the Actuary will handle loss cost modeling, rate indications, reserve reviews, carrier and reinsurance submissions, filing support, and executive reporting. The role will also involve building rating structures from scratch for new programs and monitoring their performance. The Actuary will work across P&C auto, carshare and rideshare, RV, and adjacent mobility lines, collaborating with Underwriting, Claims, Finance, Product, and Engineering. A key aspect of the role is to bring modern tooling, automate analyses, and apply AI to improve efficiency.

Requirements

• ACAS, FCAS, or equivalent experience
• 4+ years of P&C actuarial experience, ideally in personal or commercial auto, specialty, or program business.
• Strong technical foundation in ratemaking, loss reserving, and trend analysis.
• Advanced Excel skills plus working proficiency in SQL and at least one of Python or R.
• Experience building reports or dashboards in a BI tool (Tableau, Looker, Power BI, or similar).
• Comfortable working with imperfect, incomplete, or newly created data — and honest about the resulting uncertainty.
• Able to explain an analysis clearly to underwriters, executives, and carrier partners who are not actuaries.
• Bachelor's degree in actuarial science, mathematics, statistics, economics, or a related quantitative field.

Nice To Haves

• Experience with insurtech, MGA, or program business is a plus.
• Exposure to rate filings and state regulatory processes is a plus.

Responsibilities

• Build initial rating structures and pricing models for new programs, including where internal data is thin and external benchmarks or judgment are required.
• Model program economics — expected loss ratio, commission structure, fronting costs, and profitability under different scenarios.
• Support implementation by validating rating logic in production systems before launch.
• Produce recurring loss ratio, frequency, severity, and trend reporting that drives monthly and quarterly program reviews.
• Build and maintain dashboards that give Underwriting and leadership a current view of portfolio performance without waiting on a request.
• Investigate emerging trends and adverse development, and translate findings into a clear recommendation rather than a chart.
• Prepare the loss data, exhibits, and experience analysis that go into carrier submissions, renewal proposals, and reinsurance placements.
• Support bordereaux accuracy, delegated authority reporting, and carrier audit requests.
• Build and maintain rate indications, loss cost models, and rate level analyses across the program portfolio.
• Support segmentation and risk selection analysis; identify which segments are performing, which aren't, and what the rate response should be.
• Perform competitive and market analysis to test pricing adequacy and positioning.
• Prepare rate, rule, and form filing exhibits and supporting actuarial materials; respond to regulator objections.
• Provide analytical support on underwriting referrals, account-level pricing questions, and appetite decisions.
• Help maintain and refine underwriting guidelines with data behind the thresholds.

Benefits

• Competitive Compensation: Base salary of $125,000 to $150,000 DOE.
• Growth Opportunity: Join a company in its early stages and help build its foundation for success.
• Equity: Opportunity to earn equity compensation.
• Comprehensive Benefits: 100% company-paid medical premiums for employees, 401(k) match, and Flexible PTO.
• Vibrant Culture: Work at either our Austin, TX, or San Francisco, CA, HQ with catered lunches, happy hours, and team-building events.
• Work-Life Balance: We offer marketplace discounts and maintain a culture that values the balance between work and adventure.

What This Job Offers

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