Pricing & Risk Leader — Homeowners Growth (Remote)

Midwest Startups; Northern (KY); Hybrid; USD 110,000 - 150,000; Full time

Benefits offered by this job

401(k) with company match

Medical, dental, and vision coverage

Company-funded HSA contributions

Life insurance

Short-term disability

Flexible PTO

Job summary

Kin is a remote-first employer seeking a strategic Pricing & Risk Manager to drive profitable growth across state-specific homeowners products. You’ll own the full product lifecycle—from market research to regulatory filings—working with actuarial, claims, distribution, underwriting, and technology teams to balance growth, risk, and customer experience.

In this role you’ll own state P&Ls, shape pricing, coverage, and forms, lead regulatory filings, and drive automation and scalable processes,

Qualifications

• 3+ years of insurance product experience and 4+ years of relevant functional experience.
• Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline.
• Direct insurance product management experience with knowledge of state-level P&Ls, insurance regulations, and product requirements.
• Experience with rate-making, forecasting, modeling, competitive analysis, and risk portfolio management.
• Ability to operate effectively in fast-paced environments and quickly grasp new concepts and technologies.
• Strong project management skills with the ability to drive initiatives from strategy through execution.
• Clear, persuasive communication skills and the ability to influence cross-functional stakeholders.

Responsibilities

• Own P&L performance for multiple Southeast states, driving profitable growth across homeowners, auto, and related insurance lines.
• Develop and execute state and product strategies that optimize pricing, coverage and forms, underwriting guidelines, retention, conversion, and customer experience.
• Analyze performance data, competitive intelligence, and customer feedback to refine coverage offerings and improve application and policyholder journeys.
• Partner with actuarial teams on rate-making, forecasting, segmentation, and risk selection strategies.
• Lead regulatory filings and manage approval processes for rate and product changes in assigned states.
• Collaborate with technology teams to improve agent and customer experiences through system enhancements and process improvements.
• Identify and implement automation and operational improvements to increase efficiency and scalability.
• Serve as a subject matter expert on assigned state markets, regulatory environments, competitive dynamics, and product performance.
• Define and validate product-market fit, leveraging quantitative analysis and customer insights to inform strategy.
• Lead cross-functional projects from planning through execution, ensuring high-quality and timely outcomes.

Skills

Insurance product experience

State-level P&Ls

Rate-making

Forecasting

Risk portfolio management

Regulatory filings

Cross-functional collaboration

Project management

Communication

Education

Bachelor's degree in quantitative field

Job description

Kin is a remote-first employer seeking a strategic Pricing & Risk Manager to drive profitable growth across state-specific homeowners products. You’ll own the full product lifecycle—from market research to regulatory filings—working with actuarial, claims, distribution, underwriting, and technology teams to balance growth, risk, and customer experience.

In this role you’ll own state P&Ls, shape pricing, coverage, and forms, lead regulatory filings, and drive automation and scalable processes,