Senior Pricing Actuary

The opportunity

We’re looking for a Senior Pricing Actuary to strengthen and evolve Kin’s actuarial pricing capabilities as we scale our homeowners portfolio. This role exists to ensure rate adequacy, sharpen segmentation, and elevate the technical rigor of our pricing analyses in a rapidly changing risk environment.

Reporting to the Director, Actuarial Pricing, you’ll operate as a highly technical individual contributor — building and refining indications, integrating catastrophe and reinsurance impacts, and modernizing workflows through automation and Generative AI tools. You’ll partner closely with actuarial leadership, insurance product, and technology teams to translate complex analyses into decisions that directly impact growth, profitability, and customer value.

Your responsibilities

• Build and deploy tools using Generative AI and advanced analytics to automate pricing workflows and improve analytical insight.

• Perform statewide and segmented actuarial pricing indications for homeowners insurance products, ensuring rate adequacy and sound risk segmentation.

• Develop and enhance pricing methodologies by incorporating loss trends, expense assumptions, reinsurance costs, and catastrophe modeling outputs.

• Reconcile actuarial indications with financial performance and business objectives in partnership with actuarial leadership.

• Prepare actuarial support for rate filings, including exhibits, documentation, and responses to regulatory inquiries.

• Partner with insurance product teams to support rate changes, pricing reviews, and state expansion initiatives.

• Lead class plan builds and pricing support for new state launches and product expansions.

• Pull, clean, and validate data for CAT modeling; run catastrophe models and analyze results to inform ratemaking decisions.

• Collaborate with technology and data teams to improve data quality, automate analyses, and modernize pricing pipelines.

• Monitor regulatory developments, market trends, catastrophe activity, and structural changes that impact pricing strategy.

Success in this role

In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve.

By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.

• Pricing indications are timely, technically rigorous, and clearly reconciled to financial results and business strategy.

• New actuarial tools meaningfully reduce manual work and improve decision-making through automation and advanced analytics.

• CAT modeling and reinsurance impacts are consistently and accurately integrated into ratemaking analyses.

• Actuarial pipelines and documentation are reliable, transparent, and scalable to support continued state expansion and product growth.

What you’ll bring

• FCAS or Career ACAS designation.

• 5+ years of actuarial experience in personal lines pricing.

• Demonstrated expertise in actuarial pricing techniques, including indications, trend analysis, and risk segmentation.

• Hands-on experience using SQL and Python (preferred) or R for data analysis and model development.

• Experience independently executing technically rigorous actuarial analyses.

• Proficiency in Excel for advanced modeling and analysis.

• Curiosity and practical experience leveraging Generative AI tools to improve actuarial processes.