Kin Insurance
Kin Insurance
Kin Insurance is a digital insurance and financial services company founded in 2016. It provides homeowners, landlord, condo, mobile home, high-value home, flood, and auto insurance, alongside mortgage products including home loans, refinancing, home equity loans, and HELOCs. Serving consumers directly across multiple U.S. states, Kin focuses on online quoting and policy management, supported by claims assistance and customer service. Its work spans insurance, finance, and business-to-consumer technology, with a team of 501–1,000 employees.

Junior Pricing and Risk Analyst, Kin Insurance (Remote, US)

Analyze homeowners insurance pricing and risk at Kin Insurance, turning state performance data into recommendations for profitable growth. Use SQL and analytics tools to investigate results, automate reporting, and assess pricing, underwriting, and product changes.

Description

  • Produce recurring state reports on quotes, conversion, new business, premiums, retention, and losses.
  • Investigate the factors behind changes in state performance.
  • Compare results across geography, risk profiles, coverage, and distribution channels.
  • Identify growth opportunities and segments that warrant closer review.
  • Assess how rate proposals, underwriting rules, and business mix changes may affect growth and profitability.
  • Maintain competitive research to support state comparisons and identify product and pricing opportunities.
  • Explore data with Databricks Genie.
  • Use Claude Code to write SQL, create analytical scripts, automate recurring reports, and record findings.
  • Connect relevant data and business context to analytical workflows through approved MCP integrations.
  • Check data, calculations, and AI-generated results, and document sources and assumptions.
  • Prepare charts and brief summaries for Pricing and Risk and partner teams.
  • Develop recommendations in collaboration with experienced colleagues.
  • Track results after pricing, underwriting, and product changes take effect.

Requirements

  • Bring 0–2 years of relevant experience; internships, coursework, and analytical projects qualify.
  • Hold a bachelor's degree in economics, statistics, mathematics, actuarial science, finance, business, computer science, or a related discipline, or have equivalent practical experience.
  • Have basic SQL skills.
  • Use Excel or a comparable spreadsheet tool proficiently.
  • Have analyzed data to find patterns, investigate questions, and communicate findings.
  • Have practical experience using AI for analysis or coding; academic and personal projects count.
  • Be willing to use Claude Code, Databricks Genie, and MCP-enabled workflows regularly and build proficiency in them.
  • Show attention to detail and sound judgment when checking AI-generated results.
  • Explain findings in plain language, stay curious, and manage assignments with guidance.
  • Be able to live and work full-time in an eligible listed U.S. state, or in Ontario for remote technical positions based in Canada.
  • The application asks about U.S. work authorization and sponsorship status.

Benefits

  • Company equity in the form of Restricted Stock Units (RSUs).
  • 401(k) plan with a company match of up to 4% of eligible earnings.
  • Several medical plan options.
  • Dental and vision coverage.
  • Company contributions to a health savings account (HSA).
  • Company-paid life insurance and short-term disability coverage.
  • Optional long-term disability, critical illness, accident, legal, and pet insurance.
  • Mental health support and confidential counseling resources.
  • Flexible paid time off for exempt employees; most employees take 15–20 days annually.
  • Eight company-observed holidays.
  • Paid parental leave: up to 14 weeks at full pay for birthing parents and 8 weeks at full pay for non-birthing parents.
  • Opportunities for career mobility and internal advancement.
  • Professional development budgets for certifications, conferences, and learning, subject to manager approval.
  • Remote-first work arrangement.
  • Collaboration offices in Chicago, Illinois, and St. Petersburg, Florida.

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