Senior Actuary, Healthcare Analytics

Carrum Health•,

7d•$200,000 - $225,000•Remote

About The Position

At Carrum, we live and breathe the mission of transforming the healthcare system to create an unmatched experience for patients. If you are passionate about changing healthcare and want to finally get rid of surprise bills, poor quality, and high prices, while thriving in an entrepreneurial, cutting-edge environment, we would love to connect with you. In 2014 Carrum reinvented the Centers of Excellence (COE) category in digital health. Today, 90% of the US population lives within 50 miles of a Carrum COE and our providers rank in the top 10% nationally. Our team’s execution has been recognized by the venture community and we’ve raised more than $96M in aggregate from investors like OMERS, Tiger Global Management and Wildcat Ventures. Our impact has been externally proven in a 2021 RAND Corporation study [https://www.carrumhealth.com/rand-corp-study-bundled-payments-save/] and featured as a Harvard Business School (HBS) case study [https://www.hbs.edu/faculty/Pages/item.aspx?num=51867].

Requirements

Associate of the Society of Actuaries (ASA) credential required.
5-10 years of actuarial experience in healthcare ideally in a consulting environment such as Milliman, Mercer, Aon, Willis Towers Watson, or equivalent.
Deep familiarity with commercial health plan pricing, employer self-funded/stop-loss plans, or value-based care economics.
Proven experience building and validating healthcare cost and utilization models: incidence rates, PMPM/PMPY benchmarks, episode-of-care pricing, and cost trend analysis.
Proficiency in Python or R for actuarial modeling; SQL for data extraction from cloud platforms (Databricks, Snowflake, BigQuery, or equivalent).
Demonstrated ability to communicate actuarial findings to non-actuarial stakeholders including CFOs, benefits consultants, and executives.

Responsibilities

Build and maintain actuarial models that project healthcare cost and utilization for employer populations covering procedure incidence, cost benchmarking, demographic adjustment, and trend analysis to produce credible, market-specific savings estimates.
Own the end-to-end savings methodology: quantify avoidance impact, unit cost savings, and total program ROI for employer clients across all covered episode categories, ensuring outputs are internally consistent and defensible under actuarial review.
Design and run scenario and sensitivity analyses across participation structures, ramp schedules, and cost trend assumptions, translating results into clear ranges and recommendations for Sales, Finance, and C-suite audiences.
Partner with data science and analytics teams to build reproducible actuarial pipelines in Python, R, or SQL against cloud data platforms, with full documentation of assumptions, data lineage, and methodology for peer review and client disclosure.
Serve as the actuarial voice in client-facing work: prepare savings estimates for RFPs and renewals, develop actuarial memoranda and certifications, and communicate findings in plain language to employer CFOs, benefits consultants, and brokers.