Product Engineer

Stand Insurance•San Francisco, CA

31d•$200,000 - $250,000

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. Background: 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. The Problem We’re Solving: A home’s survival in a wildfire or flood depends on its materials, geometry, topography, and defensible space. Traditional insurance models flatten that complexity, offering little insight to homeowners and few incentives for mitigation. Stand combines deterministic catastrophe models with modern AI to compute property-level risk and embed it directly into underwriting, pricing, and mitigation workflows. Instead of obscuring risk behind averages, we make it measurable and actionable - giving insurers sharper pricing signals and homeowners clear insight and incentives to mitigate. We build production software that connects scientific modeling to real-world insurance operations, turning physics into decisions. The Role: We’re hiring a Product Engineer with engineering leadership depth - someone who has owned large product surfaces, made real tradeoffs, and is comfortable being accountable for outcomes, not just implementations. This role is not narrowly scoped. You’ll own critical systems across the insurance lifecycle, from core workflows (policy, underwriting, claims, payments) to entirely new products like wildfire preparedness inspections, risk monitoring, and customer-facing mitigation tools. You’ll work closely with applied scientists, product leaders, and stakeholders to: Translate complex domain problems into shippable systems Decide what to build, not just how to build it Productionize models, pipelines, and tools that directly impact risk, revenue, and customer behavior This is a high-leverage role with broad surface area and real influence over product direction. How You’ll Lead: This role carries engineering leadership expectations: System Ownership: You take responsibility for entire problem spaces - architecture, quality, reliability, and long-term evolution. Product Judgment: You partner with stakeholders to shape scope, define success metrics, and make informed tradeoffs under uncertainty. Execution at Scale: You move between zero-to-one builds and hardening existing systems, knowing when speed matters and when rigor matters more. Technical Leverage: You use modern tools, including LLMs and agents, to increase team velocity and reduce operational drag, not to chase novelty. Clear Communication: You explain decisions, surface risks early, and create shared understanding across technical and non-technical partners. This is a high-leverage role with broad surface area and real influence over product direction. Who This Role Is For: This role is a strong fit if you’ve been a: Technical leader (Tech Lead / Eng Manager / Senior IC) who still codes and wants full ownership from product hypothesis through implementation and iteration. Engineer who has moved closer to product and believes staying hands-on accelerates outcomes rather than creating handoffs. Early-stage startup builder who has shipped and scaled real systems end-to-end and thrives in ambiguity and high accountability. …and you’re energized by ambiguous problems, real responsibility, and building durable systems that matter.

Requirements

Proven experience owning and shipping production systems using a modern programming language (Python, Ruby, Rust, etc.)
Experience deploying, operating, and monitoring applications on modern PaaS or cloud platforms (Heroku, Vercel, Railway, etc.)
Track record of end-to-end project ownership, including direct work with stakeholders and end users
Comfort learning new tools, frameworks, and domains quickly
Practical experience using LLMs to improve engineering workflows, system design, or developer productivity
Genuine interest in Stand’s mission and the real-world impact of the work

Nice To Haves

Experience in regulated or risk-sensitive industries (insurance, fintech, health, climate, infra)
Experience operating in early-stage or scaling startups
A pragmatic agile mindset focused on outcomes over ceremony

Responsibilities

Translate complex domain problems into shippable systems
Decide what to build, not just how to build it
Productionize models, pipelines, and tools that directly impact risk, revenue, and customer behavior
System Ownership: You take responsibility for entire problem spaces - architecture, quality, reliability, and long-term evolution.
Product Judgment: You partner with stakeholders to shape scope, define success metrics, and make informed tradeoffs under uncertainty.
Execution at Scale: You move between zero-to-one builds and hardening existing systems, knowing when speed matters and when rigor matters more.
Technical Leverage: You use modern tools, including LLMs and agents, to increase team velocity and reduce operational drag, not to chase novelty.
Clear Communication: You explain decisions, surface risks early, and create shared understanding across technical and non-technical partners.