Senior Insurance Product Analyst

Kin Insurance•St. Petersburg, FL

8d•Remote

About The Position

Drive pricing accuracy and smarter risk decisions by advancing core models, shaping insights, and influencing strategy through advanced analysis. Who we are Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to thrive. Using data, technology, and thoughtful human support, we’re building products that are clear, fair, and help homeowners feel confident — so homeowners aren’t left behind when they need help most. Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 13 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including: Built In Chicago's Best Places to Work, Midsize Companies (2021-2026) Forbes' America's Best Startup Employers (2021-2024) Inc. 5000 Fastest-Growing Private Companies Forbes’ Fintech 50 Great Places to Work Certified (2024-2026) Most importantly, we’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building,visit kin.com and see how we work . The opportunity We’re looking for a Senior Pricing and Risk Analyst to help advance Kin’s pricing sophistication and risk segmentation as the business scales. This role is designed for someone whose core analytical responsibilities have become second nature—and who is ready to form opinions, share ideas, and influence how pricing decisions are made. You’ll develop and maintain pricing models, analyze profitability and risk drivers, and partner closely with underwriting and product teams on rate filings and model enhancements. This role will place increased emphasis on competitive intelligence, market research, and the use of AI-enabled tools to enhance data analysis and decision-making.

Requirements

3+ years of pricing, risk, actuarial, or advanced analytics experience in insurance or a related field
Experience developing and maintaining pricing or risk models in a production environment
Strong understanding of predictive modeling techniques, including GLMs and pricing segmentation
Experience with competitive analysis, market research tools, or platforms such as InsureQuote
Working knowledge of catastrophe risk concepts, including wind and hail exposure
Proficiency in Python or R and SQL (including complex joins)
Comfort using AI or advanced analytical tools to enhance data analysis and efficiency
Ability to synthesize insights from multiple data sources to support pricing decisions
Clear, proactive communication of assumptions, risks, and recommendations
Comfort receiving feedback, maintaining high quality standards, and continuously improving how work is done

Responsibilities

Develop and maintain pricing and risk models with limited supervision, ensuring accuracy, transparency, and scalability
Analyze product profitability, loss trends, competitive positioning, and risk segmentation to inform pricing decisions
Conduct competitive intelligence analysis, including familiarity with tools such as InsureQuote and market benchmarking sources
Partner with underwriting and product teams on rate filings, state-specific pricing strategies, and ongoing model refinement
Support state product research efforts, with a focus on Texas and other growth markets
Analyze and model catastrophic perils (e.g., wind, hail) and their impact on pricing, segmentation, and portfolio risk
Leverage AI tools and advanced analytics techniques to improve efficiency, deepen insights, and accelerate analysis
Explore new data sources and evaluate multiple inputs to strengthen analytical conclusions
Identify risks, inefficiencies, and improvement opportunities within pricing workflows
Develop templates, share best practices, and mentor junior analysts through collaboration and review

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