Remote State Pricing & Risk Leader

Kin Insurance, Inc.; Northern (KY); Hybrid; USD 120,000 - 160,000; Full time

Benefits offered by this job

RSUs

401(k) with company match

Medical, dental & vision

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 products, ensure competitive pricing, and align with financial and risk goals.

You’ll lead from market research to regulatory filings, partnering with actuarial, claims, distribution, underwriting, and technology teams to balance growth, risk, and customer experience.

Qualifications

• 3+ years of insurance product experience and 4+ years of relevant functional experience.
• Bachelor’s degree in business, 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.

Responsibilities

• Own P&L performance for multiple Southeast states, driving profitable growth across homeowners, auto, and related 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

State P&Ls

Pricing strategy

Rate-making

Forecasting

Modeling

Risk analysis

Cross-functional leadership

Education

Bachelor’s degree in business/math/finance or related

Job description

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 products, ensure competitive pricing, and align with financial and risk goals.

You’ll lead from market research to regulatory filings, partnering with actuarial, claims, distribution, underwriting, and technology teams to balance growth, risk, and customer experience.