Senior Pricing & Risk Analyst

Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore.

We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2025).

• Forbes' America's Best Startup Employers (2021- 2024, Ranked #37 in 2024).

• Inc. 5000 Fastest-Growing Private Companies.

• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

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.

Your 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

Success in this role

• Pricing models and analyses are reliable, well-documented, and trusted by stakeholders

• Competitive intelligence and market insights meaningfully influence pricing and product strategy

• State-level research and catastrophe risk analysis improve decision-making in key markets like Texas

• AI-enabled analysis drives faster, higher-quality insights without sacrificing rigor

• Cross-functional partners proactively seek your input and perspective

• Junior analysts benefit from your mentorship, templates, and knowledge sharing

• Process improvements lead to more efficient, scalable analytical workflows

What you’ll bring

• 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

How we hire

We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until 04/13/2026. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.

The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:

• Prompt updates and feedback following interviews

• Interviews with recruiters, hiring managers, and members of teams

• Skills assessment relevant to the position, if applicable

• Genuine, thoughtful human interaction at every step

How we support you

We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Core Benefits That Support You

• 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

Health & Wellbeing

• 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

Growth & Development

• Career mobility and internal growth opportunities across the organization

• Professional development budgets for certifications, conferences, and learning are available, subject to management approval

For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.

For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

State locations and specifics are subject to change as our hiring requirements shift.

About Kin

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.

EEOC Statement

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to [email protected]