Pricing & Risk Manager

Kin Insurance, Inc.; Northern (KY); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Competitive salary + RSUs

401(k) with company match

Medical, dental & vision coverage

Company-funded HSA contributions

Life insurance & short-term disability

Flexible PTO and holidays

Parental leave

Job summary

Kin Insurance, Inc. is seeking a strategic Pricing & Risk Manager to drive profitable growth across new and existing markets. You will own state-specific homeowners and auto pricing, regulatory filings, and go-to-market execution, collaborating with actuarial, claims, distribution, underwriting, and tech teams.

The role focuses on shaping pricing, forms, underwriting guidelines, and customer experience while aligning with Kin's financial goals and risk appetite in a remote-first setup.

Qualifications

• 3+ years of insurance product experience.
• 4+ years of relevant functional experience.
• Direct insurance product management with understanding of state-level P&Ls and regulations.
• Experience with rate-making, forecasting, modeling, competitive analysis and risk portfolio management.

Responsibilities

• Own P&L performance for multiple Southeast states across homeowners, auto, and related lines.
• Develop and execute state/product strategies for pricing, coverage, underwriting guidelines, retention and CX.
• Analyze performance data, competitive intel and customer feedback to refine offerings and journeys.
• Partner with actuarial on rate-making, forecasting, segmentation and risk selection.

Skills

P&L ownership

Pricing strategy

Rate-making

Regulatory filings

Data analysis

Cross-functional collaboration

Project management

Market awareness

Education

Bachelor’s degree in business/quantitative field

Job description

Quick Summary Own state-level P&Ls and shape competitive, compliant home and auto products — driving pricing, underwriting strategy, and profitable growth across markets.

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest.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 13 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including:
-Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)
-Forbes' America's Best Startup Employers (2021-2024)
-Inc. 5000 Fastest-Growing Private Companies
-Forbes’ Fintech 50
-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.

The opportunity

We’re looking for a strategic and results-driven Pricing & Risk Manager to drive profitable growth across new and existing markets. This role exists to ensure our state-specific homeowners products are competitively priced, operationally sound, and aligned with our financial and risk goals.

You’ll own the full product lifecycle — from market research and rate analysis to regulatory filings and go-to-market execution. Partnering closely with actuarial, claims, distribution, underwriting, and technology teams, you’ll shape integrated strategies that balance growth, risk selection, customer experience, and compliance. Your insights will drive your ownership of state-level P&Ls and help Kin stay ahead in a rapidly evolving insurance landscape.

Your 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.

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.

• Assigned state P&Ls demonstrate improved profitability, disciplined growth, and clear alignment between strategy and financial outcomes.

• Rate and product changes are executed smoothly, with strong cross-functional alignment and timely regulatory approvals.

• Product enhancements measurably improve retention, conversion, or customer satisfaction.

• Stakeholders rely on your insights to inform market expansion, risk appetite, and competitive positioning decisions.

What you’ll bring

• 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 a strong understanding 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.

Bonus:

• State Management experience in hurricane-exposed states

• Comprehensive understanding of reinsurance structures and key concepts.

• Advanced statistical and analytical expertise to optimize risk portfolios and maximize risk-adjusted returns.

How we support you

We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Core Benefits

• Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level

• 401(k) with company match up to 4% of eligible earnings

• Multiple medical plan options, plus dental and vision coverage

• Company-funded HSA contributions (based on medical plan selection)

• Company-paid life insurance and short-term disability

Health & Wellbeing

• A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance

• Access to mental health support and confidential counseling resources

• Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays

• Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents

Growth & Development

• Career mobility and internal growth opportunities across the organization

• Professional development budgets for certifications, conferences, and learning available, subject to management approval

How we work

We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers.

Run through walls, together

Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. We assume the best in each other and challenge ideas, not intentions. We show up, work hard, and play to each other's strengths — because that’s how great teams win.

Raise the bar. Drop the ego

Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths.

Act like an owner

We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Take ownership. Do the right thing, even when it‘s hard. Because when Kin thrives, so do you. And so do our customers.

Operate lean. Deliver more

We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn't a limitation — it's our competitive advantage.

Keep asking ‘What if?’

We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company.

Where we work

We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration.

For Sales Agents and Customer Service Agents: These roles sit in any of the following 32 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For all other positions, these roles can sit in any of the following 41 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.

State locations and specifics are subject to change as our hiring requirements shift.

EEOC statement

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to [e-mail]