Insurance Product Analyst

Stand Insurance•Seattle, WA

1d•Onsite

About The Position

At Stand, you’ll help build a new class of global property protection. We use advanced physics and AI to model catastrophic risk at the asset level, then automate underwriting and mitigation before loss occurs. Insurance is simply the current delivery mechanism. The real product is a scalable risk engine. We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices. The property insurance industry is built to price loss after it happens. It relies on coarse proxies, backward-looking data, and manual processes, then accepts damage as unavoidable. Stand takes a different approach. We simulate how real-world catastrophes affect individual properties, translate that into actionable decisions, and automate the business around it. The result is a platform that can underwrite what others can’t and operate with far less friction. We’re looking for an Insurance Product Analyst to support the Insurance Product team, collaborating across product managers, actuarial, underwriting, engineering, and compliance. This role sits at the intersection of product analytics, underwriting logic, state expansion, and implementation execution. You will help turn product strategy into clear analysis, documentation, and operationally ready changes. You’ll work across Product, Actuarial, Underwriting, and Engineering to ensure product decisions are data-driven, well-documented, accurately implemented, and measured after launch. This is a hands-on role for someone who is analytical, structured, proactive, and comfortable operating in a fast-moving startup environment.

Requirements

3+ years in product analysis, insurance analytics, underwriting analytics, actuarial support, or a similar role in P&C insurance
Strong analytical and quantitative skills
Ability to turn analysis into actionable recommendations
Strong Excel skills; familiarity with SQL, Python, or BI tools preferred
Excellent written and verbal communication
Strong documentation discipline and attention to detail
Ability to work effectively across functions in a fast-paced environment
You think analytically and structurally
You create clarity through documentation and excellent communication skills
You produce insights, not just data
You identify risks and issues early
You take ownership and drive work forward
You operate well in ambiguity and shifting priorities

Nice To Haves

Experience in homeowners, property, or CAT-exposed insurance
Exposure to underwriting rules, risk segmentation, or pricing analytics
Experience supporting product changes or state launches
Familiarity with E&S markets and wildfire-related risk dynamics
Experience building dashboards and management reporting
Exposure to competitor analysis, coverage comparison, or third-party data inputs

Responsibilities

Analyze product and segment performance across metrics, such as mix of business, bind ratio, loss ratio, underwriting funnel, retention, and segmentation
Build dashboards, reporting, and recurring management insights, connecting business decisions to measurable business outcomes
Identify trends, issues, and opportunities that inform product, pricing, and underwriting decisions
Recommend product changes, including risk selection or underwriting operational efficiencies
Ensure reporting logic, definitions, and data sources are clearly documented
Develop and maintain a strong understanding of product configuration, rating logic, underwriting rules, and workflows
Translate product decisions and analysis into clear requirements, documentation, and implementation plans
Partner with Engineering to implement product, rate, and rule changes accurately
Ensure high-quality execution through QA, validation, and anticipation of downstream impacts across underwriting, actuarial, and operations
Assist with rate, rule, and form filings, partnering with compliance and internal stakeholders as needed
Prepare state-specific analyses for new market launches, including coverages, eligibility rules, and CAT exposure considerations
Analyze and document key state differences to support product and actuarial decision-making
Support impact analysis for product changes, including rule, rate, eligibility, and coverage updates
Partner with Product and Actuarial on pre-launch estimates and post-launch measurement
Research competitor pricing, coverages, deductibles, and underwriting approaches
Summarize market insights to support product strategy and roadmap decisions
Identify product gaps, opportunities, and risks across target states