Senior Insurance Product Analyst
About The Position
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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
