The posted range represents the typical compensation range for this role. Actual compensation is determined by multiple factors such as market rates, qualifications, experience, and an evaluation of internal pay equity. Additional benefits are included in the job posting.

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most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind.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

The Senior Pricing Actuary is a highly technical individual contributor responsible for maintaining and enhancing Kin’s actuarial pricing analyses. Reporting to the Director, Actuarial Pricing, this role plays a critical part in ensuring efficiency in actuarial practice, rate adequacy, pricing segmentation, and analytical rigor across our homeowners insurance products.

This role is ideal for an innovative, curious and technical actuary who thrives in the details: automating processes, reviewing indications, refining rating variables, integrating catastrophe modeling and reinsurance impacts into ratemaking. You will work closely with actuarial leadership, insurance product, and technology teams to turn complex analyses into actionable insights.

Your responsibilities

• Using Generative AI tools and your technical acumen to build tools to automate existing processes and develop new tools to drive efficiency gains and improve analytical insights

• Performing actuarial pricing analyses, including statewide and segmented indications for homeowners insurance products

• Developing and enhancing pricing methodologies, incorporating loss trends, expense assumptions, reinsurance costs, catastrophe modeling outputs

• Working closely with actuarial leadership to reconcile actuarial indications with financial results and business objectives

• Preparing actuarial support for rate filings, including exhibits, documentation, and responses to regulatory questions

• Partnering with the insurance product team to support rate changes, pricing reviews, and state expansion efforts

• Collaborating with insurance product management partners on class plan builds for state expansion projects

• Pulling and cleaning data for CAT modeling, running CAT models and analyzing their output

• Collaborating with technology and data teams to improve data quality, automate analyses, and modernize pricing workflows

• Staying current on internal and external factors impacting pricing, including regulatory developments, market trends, catastrophe activity, and changes in corporate structure

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.

• Become a trusted resource for actuarial expertise across the organization.

• Create new actuarial tools that improve efficiency by automating existing processes and/or providing new decision-making insights.

• Ensure all actuarial tools and pipelines are well-documented, reliable, and run on time.

What you’ll bring

• FCAS or Career ACAS

• 5+ years of actuarial experience in personal lines pricing

• Strong technical skills and expertise, including demonstrable experience with SQL and Python (preferred)/R

• Strong experience with actuarial pricing techniques, including indications, trend analysis, and risk segmentation

• Demonstrated ability to perform independent, technically rigorous actuarial analyses

• Proficiency in Excel

• Excitement to learn about and leverage Gen AI tools to improve actuarial processes and practices

Bonus Points:

• Direct experience with Florida, Texas, and/or California residential property insurance

• Experience supporting rate filings and interacting with regulators or responding to DOI inquiries

• Experience working with large datasets and modern analytics workflows

• Experience with predictive modeling, especially loss cost modeling

• Experience in an insurtech or high-growth environment

• Hands-on experience with Git/GitHub in a team environment

• Experience with Generative AI tool usage

How we hire

We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until April 20th, 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

• 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

• 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

Growth & Development

• Career mobility and internal growth opportunities across the organization

• Professional development budgets for certifications, conferences, and learning 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 careers@kin.com

Compensation Range: $140K - $190K