Pricing & Risk Manager
About The Position
We’re looking for a strategic and results-driven Pricing & Risk Manager to drive profitable growth across new and existing markets. This role exists to ensure our state-specific homeowners products are competitively priced, operationally sound, and aligned with our financial and risk goals. You’ll own the full product lifecycle — from market research and rate analysis to regulatory filings and go-to-market execution. Partnering closely with actuarial, claims, distribution, underwriting, and technology teams, you’ll shape integrated strategies that balance growth, risk selection, customer experience, and compliance. Your insights will drive your ownership of state-level P&Ls and help Kin stay ahead in a rapidly evolving insurance landscape.
Requirements
- 3+ years of insurance product experience and 4+ years of relevant functional experience.
- Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline.
- Direct insurance product management experience with a strong understanding of state-level P&Ls, insurance regulations, and product requirements.
- Experience with rate-making, forecasting, modeling, competitive analysis, and risk portfolio management.
- Ability to operate effectively in fast-paced environments and quickly grasp new concepts and technologies.
- Strong project management skills with the ability to drive initiatives from strategy through execution.
- Clear, persuasive communication skills and the ability to influence cross-functional stakeholders.
Nice To Haves
- State Management experience in hurricane-exposed states
- Comprehensive understanding of reinsurance structures and key concepts.
- Advanced statistical and analytical expertise to optimize risk portfolios and maximize risk-adjusted returns.
Responsibilities
- Own P&L performance for multiple Southeast states, driving profitable growth across homeowners, auto, and related insurance lines.
- Develop and execute state and product strategies that optimize pricing, coverage and forms, underwriting guidelines, retention, conversion, and customer experience.
- Analyze performance data, competitive intelligence, and customer feedback to refine coverage offerings and improve application and policyholder journeys.
- Partner with actuarial teams on rate-making, forecasting, segmentation, and risk selection strategies.
- Lead regulatory filings and manage approval processes for rate and product changes in assigned states.
- Collaborate with technology teams to improve agent and customer experiences through system enhancements and process improvements.
- Identify and implement automation and operational improvements to increase efficiency and scalability.
- Serve as a subject matter expert on assigned state markets, regulatory environments, competitive dynamics, and product performance.
- Define and validate product-market fit, leveraging quantitative analysis and customer insights to inform strategy.
- Lead cross-functional projects from planning through execution, ensuring high-quality and timely 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
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
