Pricing & Risk Director

Kin Insurance

6d•$170,000 - $230,000•Remote

About The Position

We’re looking for a Pricing & Risk Director to own the strategic direction of Kin’s eastern region — leading a team of state managers and setting the pricing and risk frameworks that drive sustainable, profitable growth across our most complex markets. This role exists at a pivotal moment. As Kin continues to expand into new states and deepen its presence in high-risk markets, we need a director who can move with speed and precision — someone who brings both the analytical depth to make smart pricing decisions and the leadership presence to align teams, influence executives, and navigate a demanding regulatory environment. You’ll need the ability to synthesize ambiguous, multi-variable situations into clear strategic direction — not just execute established frameworks but build new ones as conditions evolve. If you’re energized by high-stakes problems, thrive in data-rich environments, and want to build something that actually matters for homeowners, this is the role for you.

Requirements

10+ years of pricing, risk, actuarial, or advanced analytics experience, with at least 7 years carrying direct P&L or regional business ownership
Proven track record leading a pricing, risk, or analytics function with full accountability for strategy, team performance, and business outcomes
Experience managing state- or regional-level budgets and headcount, with a demonstrated ability to hit financial targets
Deep expertise building and interpreting executive dashboards, risk KPIs, and performance reporting that inform real decisions — not just reporting
Demonstrated ability to navigate complex, multi-state regulatory environments and translate compliance requirements into actionable strategy
Comfort using AI and data tools to enhance analytical workflows, identify risk patterns, and inform pricing decisions — you don’t need to build the models, but you know how to use what’s in front of you
Strong presence with executive leadership and external stakeholders — you can translate complex trade-offs into clear, confident narratives
Demonstrated ability to triage competing priorities across a complex portfolio, making clear calls on where to focus team resources for maximum impact
Comfortable operating in a fast-moving, evolving environment where priorities shift and the ability to adapt quickly is as important as technical depth
Track record of developing direct reports and building a team culture rooted in accountability, curiosity, and continuous improvement

Responsibilities

Own end-to-end P&L for the eastern region, driving rate strategy, loss ratio targets, and expense management to deliver sustainable profitability
Lead, develop, and set clear performance expectations for a team of two state managers, ensuring consistent, high-quality execution across the region
Define and continuously refine pricing strategies and risk frameworks for eastern states, translating complex data into actionable decisions that strengthen competitive positioning
Present pricing and risk insights to executive leadership and regulatory bodies, clearly articulating trade-offs and strategic recommendations with confidence
Build and maintain regional dashboards and risk KPIs that give leadership real-time visibility into portfolio performance
Own regulatory modeling and compliance strategy for the eastern region, proactively navigating evolving requirements to protect market access
Apply AI and data tools to surface emerging risk patterns, improve pricing accuracy, and sharpen the team’s analytical output
Drive a continuous state optimization discipline across the eastern region — treating profitability, growth, and competitive positioning as always-in-progress workstreams rather than periodic initiatives
Lead cross-functional problem solving on complex regional challenges, bringing together pricing, actuarial, product, and operations to drive aligned outcomes

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
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
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
Career mobility and internal growth opportunities across the organization
Professional development budgets for certifications, conferences, and learning available, subject to management approval