Actuary

Arbol; Sarasota (FL); On-site; USD 80,000 - 120,000; Full time

Benefits offered by this job

Comprehensive health coverage

401(k) match

Flexible PTO

Job summary

Arbol, a climate risk coverage platform, is seeking an Actuarial Leader to drive pricing, reserving, and analytics for homeowners insurance. The role involves collaboration with AI and engineering teams to enhance actuarial workflows.

Candidates should have 5-8 years of P&C experience, be proficient in Excel and Python, and possess a bachelor's degree in a related field. The position will focus on underserved markets in coastal southern states and offers competitive compensation and benefits.

Qualifications

• 5-8 years of P&C actuarial experience; ACAS/FCAS credential.
• Strong analytical and problem-solving skills.
• Ability to communicate findings clearly to non-technical stakeholders.

Responsibilities

• Develop rate indications and pricing analyses.
• Perform quarterly reserve analyses for homeowners and related lines.
• Build recurring dashboards to monitor portfolio performance.

Skills

Actuarial experience

Excel proficiency

Python proficiency

Analytical skills

Problem solving

Education

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

Job description

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for businesses analyzing and mitigating exposure to climate risk. Our products provide parametric coverage that pays out based on objective data triggers rather than subjective loss assessment, and our ecosystem delivers climate data infrastructure, scalable product development, artificial‑intelligence‑powered underwriting, blockchain‑enabled efficiencies, and non‑traditional risk capacity.

We are building an AI‑enabled homeowners insurance platform focused on underserved coastal and catastrophe‑exposed markets. We need a talent actuarial leader to drive 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 primarily work on homeowners’ insurance in coastal southern states, with opportunities to support expansion into new lines and territories. Your focus will be on translating complex actuarial judgment, workflows, and analyses into scalable AI‑enabled tools that enhance speed, rigor, and decision‑making across the business. The ideal candidate owns the work, is fluent in tools such as Excel and Python, and is excited to work at the intersection of actuarial science, insurance operations, and applied AI.

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 automation opportunities (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.

Qualifications

• 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 a related quantitative field.

Preferred Experience

• Experience building repeatable analytics (dashboards, automated data pulls, version‑controlled workflows).
• Homeowners experience, including catastrophe exposure management, weather/CAT analytics, inflation/trend work, or rate filing support.
• Experience with reserving methods (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.
• 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.
• Ability to perform repetitive motions, such as typing or data entry.
• Ability to maintain focus and attention while performing detailed tasks.

Interested, but you don’t meet every qualification? Please apply!

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

Arbol is committed to accessibility and inclusivity in the hiring process. If you require an accommodation to apply or interview, please contact [e-mail].

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 and flexible PTO.

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.