Sr. Data Scientist

Lemonade, Inc.; New York (NY); Hybrid; USD 162,000 - 176,000; Full time

Benefits offered by this job

Health & wellness coverage

Equity

401(k) match

Paid vacation

Parental leave

Job summary

Lemonade, Inc. is seeking a Senior AI Data Scientist to advance pricing models across Home, Renters, Car, and Pet lines, in multiple countries.

You’ll own projects end-to-end from scoping to production deployment, collaborating with actuarial and product teams in a fast-paced, AI-driven pricing environment. Applicants should bring 2-4+ years of data science experience, strong Python and SQL, and a track record of shipping production-grade work.

Qualifications

• 2-4+ years of practical data science experience.
• Fluency in Python for both software development and model building, plus strong SQL skills.
• Ability to scope and structure technical solutions from ambiguous business problems.
• Proven impact beyond your own deliverables.
• Deep familiarity with the current AI/ML landscape and drive to push its application further.
• Experience in InsurTech or FinTech is a plus.
• Master’s or Ph.D. in Data Science, Statistics, Computer Science, or related quantitative field preferred—or a Bachelor’s with strong applied data science track record.
• Ability to work in our Soho, NYC office 3 days per week.
• Please note that we are unable to sponsor applicants for work visas.
• Unfortunately, we cannot consider applicants from several states.

Responsibilities

• Research and apply advanced ML and AI solutions to pricing and underwriting problems, taking projects from concept to production.
• Own projects end-to-end, aligning business strategy with deployment.
• Collaborate with Insurance to develop and monitor predictive models across Home, Renters, Car, and Pet products.
• Mentor junior data scientists and raise technical standards across the team.
• Promote adoption of advanced data science practices throughout the organization.

Skills

Python

SQL

Production deployment

Data modeling

Education

Master's or PhD in Data Science, Statistics, Computer Science, or related field

Job description

Not your everyday company

Lemonade completely reinvented how insurance works. As a customer-centric tech company, we created an insurance experience that is smart, instant, and delightful.

At Lemonade, you’ll be working with a group of like-minded makers, who get a kick out of moving fast and delivering great products. We surround ourselves with some of the smartest, most motivated, creative people who are filled with positive energy and good karma.

Unlike most publicly traded companies, we’re nimble and efficient. We take pride in the fact that we still think and operate like a startup. We don’t care much about titles and hierarchy and instead focus on innovation, bold moves, and challenging the status quo.

We’re built as a lean, data-driven organization that relies on a common understanding of objectives and goals to provide teams with autonomy and ownership. We don’t like spending our days in meetings and we skip committees altogether. At Lemonade, there’s no such thing as going over someone’s head. We have zero tolerance for bureaucracy, office politics, and lean-back personalities.

As a Public Benefit Corporation and a certified B-Corp, we deliver environmental and social impact using our products and tech. Through our Giveback program, we partner with organizations such as the ACLU, New Story, The Humane Society, Malala Fund, American Red Cross, 360.org, charity: water, and dozens of others, and have donated millions towards reforestation, education, animal rights, LGBTQ+ causes, access to water, and more.

Awarded ‘best workplace’

Best Workplace and Best-Led Company by Inc.Magazine

“World Changing” by FastCompany

Recognized as a World Changing Idea by Fast CompanyMagazine

Ranked #1 Home insurance inAmerica

Won best renters and homeowners insurance in America by US News, andothers

Best Pet Insurance inAmerica

Rated “Best Overall Pet Insurance” by Better Homes &Gardens

Rated 4.9 on the AppStore

Among the highest rated apps of alltime

What you’re applying for

We're looking for a Senior AI Data Scientist to help push Lemonade's pricing models into genuinely new territory. You'll sit within our Data Science Pricing team, working closely with Actuarial and Insurance Product to develop and deploy predictive models across our Home, Renters, Car, and Pet lines — in multiple countries. This isn't a research-only role. You'll own projects end-to-end, from scoping the business problem through production deployment, and you'll help set the technical bar for the data scientists around you.

We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work.

Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools.

In this role you'll

Research and apply advanced ML and AI solutions to real pricing and underwriting problems — not just prototype them, but get them into production

Own projects end-to-end, from high-level business strategy through deployment, driving alignment across technical and non-technical stakeholders

Collaborate with the Insurance team to develop, file, implement, and monitor new predictive models across Home, Renters, Car, and Pet products

Mentor junior data scientists and establish technical standards that raise the bar across the team

Champion the adoption of advanced data science practices throughout the broader Insurance organization

What you'll need

2-4+ years of practical data science experience, with a track record of shipping production-grade work at scale

Fluency in Python for both software development and model building, plus strong SQL skills working with large datasets

Demonstrated ability to scope and structure technical solutions from ambiguous business problems — independently, without waiting for the problem to be handed to you pre-packaged

Proven impact beyond your own deliverables — infrastructure, tooling, or standards others actually adopted

Deep familiarity with the current AI and ML landscape, and a genuine drive to push its application further

Experience in InsurTech or FinTech is a plus

Master’s or Ph.D. in Data Science, Statistics, Computer Science, or a related quantitative field preferred—or a Bachelor’s degree/equivalent practical experience with a strong track record of applied data science

Ability to work in our Soho, NYC office 3 days per week

Please note that we are unable to sponsor applicants for work visas.

Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico.

Lemonade's US base salary range for this full-time position is $162,000 - $175,500 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave. Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package.

Things to know…

Lemonade is an equal opportunity employer committed to diversity and inclusivity. We never discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. If you require reasonable accommodations due to religious beliefs, pregnancy, or disabilities, let us know at any time.

Property and casualty insurance is provided by Lemonade Insurance Company (LIC), 5 Crosby St., 3rd floor, New York, NY 10013 or Metromile Insurance Company (MIC), 3080 N. Civic Center Plaza, Scottsdale, AZ 85251. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.

Lemonade Insurance Agency, LLC (LIA) and Metromile Insurance Services LLC (MIS) are licensed insurance agents and appointed by LIC and MIC and both LIA and MIS receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.

Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance® (policy form LS181 and LS 182 or state version including all applicable endorsements and riders). LLIA receives compensation for the insurance policies it sells and is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.