Insurance Product Manager

kin; United States; Remote; USD 150,000 - 210,000; Full time

Job summary

Kin is seeking a Pricing and Risk Manager to help build the next generation of insurance products and coverages, and to expand Kin's footprint across states. This hands-on, builder-focused role blends pricing strategy and product development—shaping concepts through launch in both new and existing states without managing a team.

You will partner with actuarial, product, and compliance teams, leverage AI/ML to enhance pricing accuracy, and build dashboards tracking product performance.

Qualifications

• 5+ years of insurance product development experience.
• Experience launching new products, features, or rating enhancements.
• Experience with state expansions and regulatory readiness.

Responsibilities

• Design and develop new insurance products, rules, coverages, and enhancements that improve competitiveness and customer value
• Lead state expansion efforts with pricing models for new states, and optimize existing state models for performance
• Own the research and proposal of new products, rules, coverages, and enhancements
• Own the end-to-end rollout process, from initial pricing analysis through launch and post-launch monitoring
• Leverage AI and machine learning tools to enhance pricing accuracy, uncover emerging risk patterns, and accelerate analytical workflows
• Partner cross-functionally with actuarial, product, and compliance teams to ensure new features are technically sound and regulator-ready
• Build and maintain dashboards and KPIs that track the performance of newly launched products and pricing features
• Translate market and competitive research into concrete product recommendations and pricing adjustments
• Identify opportunities for pricing innovation ahead of state expansion, ensuring readiness for regulatory review and market entry

Skills

Insurance product development

Pricing strategy

AI/ML for pricing

Regulatory readiness

Cross-functional collaboration

Market research interpretation

Regulatory modeling

Tools

AI/ML tools

Pricing analytics software

Job description

Quick Summary

You'll design new insurance products and features, then drive their rollout across new and existing states. 5+ years of product development experience required.

Who We Are

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.

Using data, technology, and thoughtful human support, we're building products that are clear, fair, and help homeowners feel confident — so homeowners aren't left behind when they need help most.

Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 14 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long‑term sustainability foster outstanding growth, attract marquee investors, and earn recognition and accolades, including:

- Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)

- Forbes' America's Best Startup Employers (2026)

- Inc. 5000 Fastest-Growing Private Companies

- Forbes' Fintech 50 (2023-2026)

- Great Places to Work Certified (2024-2026)

Most importantly, we're building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we're building, visit kin.com and see how we work (https://www.linkedin.com/company/kin-insurance/life/kin/).

The Opportunity

We're looking for a Pricing and Risk Manager to help us build the next generation of insurance products and coverages as well as expand Kin's footprint across states. This role sits at the intersection of pricing strategy and product development — turning market insight and risk analysis into new coverage options, rating features, and pricing enhancements that customers actually feel.

This is a hands‑on, builder‑focused role. You won't be managing a team — you'll be directly shaping the products and features that power Kin's growth, from initial concept through launch in both new and existing states. Your work will directly influence how competitively and confidently Kin can enter new markets and deepen its presence in current ones.

Your Responsibilities

• Design and develop new insurance products, rules, coverages, and enhancements that improve competitiveness and customer value

• Lead state expansion efforts by building and launching pricing models for new states, and optimizing existing state models for performance

• Own the research and proposal of new products, rules, coverages, and enhancements

• Own the end‑to‑end rollout process, from initial pricing analysis through launch and post‑launch monitoring

• Leverage AI and machine learning tools to enhance pricing accuracy, uncover emerging risk patterns, and accelerate analytical workflows

• Partner cross‑functionally with actuarial, product, and compliance teams to ensure new features are technically sound and regulator‑ready

• Build and maintain dashboards and KPIs that track the performance of newly launched products and pricing features

• Translate market and competitive research into concrete product recommendations and pricing adjustments

• Identify opportunities for pricing innovation ahead of state expansion, ensuring readiness for regulatory review and market entry

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.

• New pricing products or features have been successfully launched, showing meaningful impact to growth goals

• State expansion pricing models are built, validated, and ready for regulatory submission

• AI/ML tools are actively integrated into the pricing development workflow, improving speed or accuracy of analysis

• Cross‑functional partners trust this person's product recommendations and rely on their analysis to make launch decisions

What You'll Bring

• 5+ years of insurance product development experience

• Demonstrated experience building or launching new insurance products, features, or rating enhancements

• Experience supporting state expansion efforts, including new‑state pricing model development and regulatory readiness

• Hands‑on experience applying AI and machine learning tools to pricing, underwriting, or risk workflows, with measurable results

• Strong understanding of regulatory modeling and compliance requirements across multiple states

• Ability to translate market research and competitive analysis into concrete pricing and product recommendations

• Comfortable partnering cross‑functionally with actuarial, product, and compliance teams without formal authority over those teams

• Homeowners insurance experience preferred but not necessary

How We Hire

We believe a great hiring experience should be clear, respectful, and human. We will accept applications for this position until September 28th. 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