Actuary

Arbol; Miami (FL); On-site; USD 140,000 - 230,000; Full time

Benefits offered by this job

Health benefits

401(k) match

Flexible PTO

Equity

Job summary

Arbol is building an AI-enabled homeowners insurance platform focused on coastal markets. We seek an actuary to lead pricing, reserving, reinsurance analytics, and portfolio analytics while collaborating with AI and engineering teams to scale actuarial workflows.

You'll work primarily on homeowners' insurance with opportunities to expand into new lines. Strong Python, Excel skills and ownership mindset are essential.

Qualifications

• 5-8 years of P&C actuarial experience and ACAS/FCAS preferred.
• Strong ownership mindset with ability to drive work forward.
• Fluent in Excel and Python; able to build repeatable analyses.
• Clear communication of findings to non-technical stakeholders.

Responsibilities

• Pricing & rate indications: develop rate indications and pricing analyses.
• Reserving & loss analytics: perform quarterly reserve analyses and monitor trends.
• Portfolio management: build dashboards and assess exposure and performance.
• Actuarial automation & AI: translate logic into automated Python tools.
• Cross-functional support: collaborate with Underwriting, Claims, Finance, and Data/Engineering.

Skills

Excel

Python

Claude Code

Education

Bachelor's degree in Actuarial Science, Mathematics, Statistics, or related quantitative field

ACAS/FCAS credential

Job description

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.

Arbol is building an AI-enabled homeowners insurance platform focused on underserved coastal and catastrophe-exposed markets. We are looking for a talented actuary to lead pricing, reserving, reinsurance analytics, and portfolio analytics while working side-by-side with our AI and engineering teams to build the next generation of actuarial workflows.

In this role, you will work primarily on homeowners’ insurance in coastal southern states, with opportunities to support expansion into new lines and territories. A major focus will be translating complex actuarial judgment, workflows, and analyses into scalable AI-enabled tools that improve speed, rigor, and decision-making across the business. The ideal candidate takes ownership, is fluent in the right tools required for the task (Excel, Python, Claude Code, etc.), and is excited to work at the intersection of actuarial science, insurance operations, and applied AI.

What You'll Be Doing

Pricing & Rate Indications

• Develop rate indications and pricing analyses (e.g., territory, deductible, and other rating factors)
• Monitor rate adequacy, loss trends, inflation impacts, and emerging experience
• Build and maintain pricing tools, exhibits, and documentation used for internal decisions and regulatory filings

Reserving & Loss Analytics

• Perform quarterly reserve analyses (e.g., triangles, ultimate loss selections, IBNR, diagnostics) for homeowners and related lines
• Monitor loss emergence, claim severity/frequency trends, and CAT vs non-CAT performance
• Partner with Claims and Finance to reconcile results, investigate drivers, and improve data quality

Portfolio Management & Performance Monitoring

• Build recurring dashboards to monitor portfolio performance and emerging trends
• Work with AIR and other catastrophe model output to assess exposure concentrations, catastrophe load, and risk‑adjusted returns
• Evaluate reinsurance program impacts and support related reporting and analytics
• Support scenario analyses, including catastrophe load, trend, rate change, and mix sensitivities

Actuarial Process Automation & AI Partnership

• Learn Lilypad’s actuarial processes end‑to‑end and identify opportunities for automation (e.g., gross‑to‑net loss calculations, reserve workflows)
• Serve as a bridge between the actuarial and AI/engineering teams, translating actuarial logic into requirements that can be built into automated tools
• Write and maintain Python‑based workflows to streamline recurring analyses; collaborate with the AI team on tool development

Cross-Functional Support

• Collaborate with Underwriting, Claims, Finance, Data/Engineering, and Leadership on special projects (product changes, underwriting guidelines, new territories/segments, vendor evaluation, etc.)
• Contribute to process improvements, automation, and better controls/documentation

What You’ll Need

• 5-8 years of P&C actuarial experience. ACAS/FCAS credential
• High ownership and self‑starter mindset; able to drive work forward with limited structure
• Strong proficiency in Excel and Python, with the ability to build clean, repeatable analyses. Strong analytical and problem‑solving skills; able to communicate findings clearly to non‑technical stakeholders
• Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or related quantitative field

What's Great To Have

• Experience building repeatable analytics (dashboards, automated data pulls, version‑controlled workflows)
• Homeowners experience incl: catastrophe exposure management, weather/CAT analytics, inflation/trend work, or rate filing support
• Experience with reserving methods (e.g., chain ladder/BF/Cape Cod style approaches) and/or pricing indications
• Knowledge of policy/claims data structures and common insurance KPIs

Essential Job Functions & Physical Requirements

• Ability to sit for extended periods of time while working at a computer, with or without reasonable accommodation
• Ability to use a computer, keyboard, mouse, and standard office equipment (e.g., phone, printer, scanner)
• Ability to view a computer screen for prolonged periods, with or without reasonable accommodation
• Ability to communicate effectively in person, by phone, and via email
• Ability to occasionally stand, walk, bend, and reach within an office environment
• Ability to lift and/or move up to 10-15 pounds occasionally (e.g., office supplies, files), with or without reasonable accommodation
• Ability to perform repetitive motions, such as typing or data entry
• Ability to maintain focus and attention while performing detailed tasks

Arbol values the perspectives and experience of candidates with non‑traditional backgrounds and we encourage you to apply even if you do not meet every requirement.

Accessibility

Arbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview, please contact [e-mail]

Benefits

Arbol is proud to offer its full‑time employees competitive compensation and equity in a high‑growth startup. Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge.

Equal Opportunity Employer

Arbol is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, veteran status, or any other legally protected status.

Arbol participates in the E‑Verify program to confirm employment eligibility.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.