Actuarial Data Scientist

Hippo; Austin, Dallas, Morristown, San Jose (TX, TX, NJ, CA); On-site; USD 145,000 - 160,000; Full time

Benefits offered by this job

Relocation Assistance

Healthy Hippos Benefits

Equity

Training and Career Growth

Flexible Time Off

12 weeks Parental Leave

Hippo Habitat

Job summary

Hippo is hiring an Actuarial Data Scientist to lead loss cost modeling for the Homeowners program. You will design, develop, and deploy predictive models for frequency and severity, aligning with pricing strategy and business goals.

Build and scale Python- and SQL-based tooling into production-ready workflows, embedding loss ratio analysis. You’ll expand modeling capabilities across demand, aggregation, and pricing, partnering with cross-functional teams to translate insights into actionable

Qualifications

• Bachelor’s degree in statistics, mathematics, data science, or quantitative field; advanced degree a plus
• 5+ years in data science, analytics, or actuarial modeling in insurance
• Knowledge of P&C insurance in loss cost modeling
• Strong background in statistical modeling: GLMs, regularization, tree ensembles (XGBoost, LightGBM)
• Knowledge of actuarial pricing principles
• Proficiency in Python (pandas, scikit-learn, statsmodels) and SQL
• Excellent communication and stakeholder management

Responsibilities

• Lead homeowners insurance modeling with clear priorities and standards
• Own design and annual build of by-peril loss models
• Expand modeling capabilities across conversion, retention, and aggregation
• Implement and scale models in Airflow-based Python pipeline with robust testing
• Develop reusable analytical tooling and workflows for the actuarial team
• Collaborate with Product, Underwriting, and Engineering to translate insights into decisions

Skills

Python

SQL

GLMs

XGBoost

LightGBM

Communication

Education

Bachelor's degree in Statistics/Math/Data Science

Tools

Airflow

Pandas

scikit-learn

Statsmodels

Job description

Austin, Texas, United States; Dallas, Texas, United States; Morristown, New Jersey, United States; San Jose, California, United States

Actuarial Data Scientist

Reporting to: Director, Actuarial

Open to Relocation? We’ve Got You Covered:

This role is open to candidates willing toreLOCATETO one of our hub locations.Hippo offers relocationassistanceto support your move, so you can focus on doing impactful work—not the logistics of getting here.

About Hippo:

Hippo was built on apromise:make homeownership effortless.Nearly adecade later, thatmissionstill drives us.Weuse technologyanddatato helpour customers stay ahead ofproblemsandprotect what mattersmost.

Today, that sametech-nativeapproach powers our work beyond homeowners.Hippooperatesas a diversifiedcarrierplatform, partnering with MGAs to deliver tailored program solutions that help them grow and deliver better customer experiences.Behind that work is a team that values ownership, curiosity, collaboration, and continuous improvement.

Ifyou'reenergized by buildingwhat'snext,we'dlove to meet you.

About This Role:

We’re hiring an Actuarial Data Scientist to lead loss cost modeling for Hippo's Homeowners program. This role will own the design, development, and deployment of predictive models for frequency and severity, ensuring strong alignment with pricing strategy and business objectives. You'll build and scale Python-and SQL-based tooling that embeds expected loss ratio and segmentation analytics into reusable, production-ready workflows. In addition to leading loss cost modeling, you'll have the opportunity to expand the team's modeling capabilities across the demand and aggregation models to inform broader pricing and business mix decisions.

About You:

You are a hands-on leader with a strong background in loss modeling. You bring structure to ambiguity, enjoy building scalable work, and take pride in developing people on your team. You think critically about model maintenance cost and you balance scientific rigor with practical business impact. You communicate clearly, document thoroughly, and operate with a strong sense of ownership.

What You’ll Do:

• Lead homeowners insurance modeling efforts, setting clear priorities, technical standards, and best practices while fostering a culture of ownership, rigor, and continuous improvement
• Own the design and annual build of our by-peril loss models
• Expand modeling capabilities across conversion, retention, and aggregation to inform pricing strategy, business mix, and portfolio performance
• Implement and scale models within our Airflow-based Python modeling pipeline, ensuring robust testing, validation, reproducibility, and long-term maintainability
• Develop reusable analytical tooling and workflows that improve efficiency, consistency, and scalability across the actuarial team
• Partner cross-functionally with Insurance Product, Underwriting, and Engineering to translate complex modeling insights into clear business recommendations and ensure successful production deployment

Must Haves:

• Bachelor’s degree in statistics, mathematics, data science, or another quantitative field; advanced degree a plus
• 5+ years of experience in data science, analytics, or actuarial modeling in insurance, preferably personal lines or property
• Working knowledge of P&C insurance in loss cost modeling; exposure to demand, underwriting, and/or claims modeling
• Strong background in statistical modeling: GLMs, regularization, tree-based ensembles (XGBoost, LightGBM), and model validation techniques
• Knowledge of actuarial principles as they relate to insurance pricing
• Advanced proficiency in Python (pandas, scikit-learn, statsmodels) and SQL
• Excellent communication skills and ability to build trust with stakeholders at all levels

Nice to Haves:

• Experience working in modern data platforms, including familiarity with cloud infrastructure (e.g., AWS) and workflow orchestration tools (e.g., Airflow)
• Experience with catastrophe modeling, geospatial analytics, or climate risk data

The base pay range for this role is $145,000- $160,000 for our Texas (Austin and Dallas regions). The SF Bay Area (and New Jersey) base pay range for this role is $155,000- $180,000. Exact compensation may vary based on several job-related factors that are unique to each candidate, including but not limited to: skill set, experience, education/training, location, business needs and market demands.

Benefits and Perks:

Hippo treats its team members with the same level of dedication and care as we do our customers, which is why we’re fortunate to provide all of our Hippos with:

• Relocation Assistance -Support available for qualified candidates relocating to one of our hub locations
• Healthy Hippos Benefits- Multiple medical plans to choose from and 100% employer covered dental & vision plans for our team members and their families. We also offer a 401(k)-retirement plan, short & long-term disability, employer-paid life insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee Assistance Program (EAP)
• Equity-This position is eligible for equity compensation
• Training and Career Growth- Training and internal career growth opportunities
• Flexible Time Off- You know when and how you should recharge
• Little Hippos Program- We offer 12 weeks of parental leave for primary and secondary caregivers
• Hippo Habitat- Snacks and drinks available and catered lunches for onsite employees

Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.

Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation. Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known.