Predictive Modeling & Risk Scientist

Cover Whale

New York (NY)

On-site

USD 128,000 - 185,000

Full time

14 days+

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Benefits offered by this job

Health Care Plan (Medical, Dental & Vision)

Retirement Plan (401k) match

Wellness benefits

Life Insurance

Paid Time Off

Paid Family Leave

Tuition Assistance

Professional Training & Development

Job summary

A leading commercial trucking insurtech in New York is seeking an analytical Actuarial/Data Science professional to enhance reserving and predictive modeling capabilities. This role involves developing Python-based models, using telematics and claims data to influence pricing and mitigate risks. Candidates should possess strong experience in insurance analytics, machine learning techniques, and SQL. A competitive salary package, including bonuses and benefits, is offered to the right candidate.

Qualifications

Experience in insurance analytics or actuarial modeling.
Proficiency in Python for statistical modeling.
Experience with large-scale datasets and analytical models.
Ability to design models for pricing and risk management.

Responsibilities

Improve end-to-end reserving process with Python models.
Develop predictive models for risk selection.
Design dynamic pricing frameworks using data.
Translate data insights into business recommendations.
Automate reporting and analysis workflows.

Skills

Insurance analytics

Actuarial modeling

Predictive risk modeling

Python

AI-assisted coding

Large-scale datasets

Machine learning techniques

SQL

Education

Actuarial qualification or degree in Mathematics

Tools

Python

SQL

Job description

Cover Whale is the nation's leading commercial trucking insurtech. We improve road safety by combining the insurance products we sell with our telematics‑based, data‑driven driver coaching and safety program known as DriveSmart. Our program is proven to save lives while delivering better insurance for our drivers. For more information, please visit www.coverwhale.com. Join us in the mission!

The Role

We are seeking a highly analytical, technically strong Actuarial/Data Science professional to own and evolve our end‑to‑end reserving and predictive modeling capabilities. This role will maintain and enhance our Python‑based reserving models while building predictive models using live telematics and claims data to drive pricing, cancellation strategy, and large loss detection. The position sits at the core of our underwriting and growth strategy, directly influencing dynamic pricing, loss ratio performance, and profitable expansion. This is a very exciting and high‑impact job that involves a lot of thinking, research, and creativity.

Responsibilities

Own and continuously improve the end‑to‑end reserving process, including maintaining and enhancing Python‑based reserving models to improve accuracy and efficiency
Develop and deploy predictive models using telematics, claims, and policy data to improve pre-bind and post-bind risk selection, with measurable impact on ULR and cancellation performance
Build and refine large loss models using claims notes and historical data to improve early identification of high‑risk claims
Design and implement dynamic pricing frameworks and capabilities leveraging live market and portfolio data
Translate complex data insights into clear actionable business recommendations for underwriting, growth, and leadership teams
Produce carrier‑level reporting deliverables and analytical outputs that meet high‑quality and compliance standards
Create agency‑level and geographic performance insights to guide growth strategy and strategic initiatives
Automate recurring analyses and reporting workflows to increase speed, scalability, and reliability

Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Requirements

Experience with insurance analytics, actuarial modeling, or predictive risk modeling in the insurance industry
Strong proficiency in Python for statistical modeling and data analysis
Comfortable leveraging AI‑assisted coding tools (Claude, Copilot, etc.) while critically validating outputs
Experience working with large‑scale datasets and building production‑grade analytical models
Demonstrated experience with actuarial reserving models or insurance forecasting methodologies
Experience applying machine learning techniques such as regression models, gradient boosting, classification models, or anomaly detection
Ability to design models that influence pricing, underwriting decisions, and portfolio risk management
Strong SQL and data manipulation skills
Experience building automated analytical pipelines or reporting workflows

Soft skills

Curious, hard-working, thinking outside of the box, creative, attention to detail, and use of Claude code.

Preferred Qualifications

Actuary, Mathematics, Big Four consulting experience.

Interview Process

Candidates advancing through the interview process may be asked to complete a brief work exercise related to predictive modeling and risk analysis. The exercise is designed to reflect real‑world challenges relevant to the role. Candidates completing this step will receive reasonable compensation for their time.

Compensation

The expected base pay for the role will be $128,000 - $185,000 at the commencement of employment. However, base pay if hired will be determined on an individualized basis and depends on the geographical location, years of experience, etc. and is only part of the total compensation package, which, depending on the position, may also include discretionary bonus and other Cover Whale-sponsored total rewards/benefits.

Perks/Benefits