Pricing & Risk Manager

Kin is redesigning insurance to be smarter, faster, and centered on the customer, using intelligent pricing and seamless bundling to simplify every step from purchasing to claims. We empower people to protect what matters most, starting with their homes. We are seeking a strategic and results-driven Pricing & Risk Manager to join our Insurance team. This role involves driving profitable growth across new and existing markets by developing and managing state-specific insurance products, ensuring competitive pricing, strong underwriting practices, and regulatory compliance. You will own the entire product lifecycle, from market research and data analysis to go-to-market planning and execution.

Must Have

• Own P&L for multiple states and drive business growth across all insurance lines
• Execute state and product strategies, optimizing customer experience, retention, conversion, and pricing
• Analyze data and feedback to refine coverage offerings, streamline the application process, and enhance satisfaction
• Collaborate with tech teams to improve agent and customer experiences
• Manage projects from planning to execution, ensuring high-quality outcomes
• Navigate regulatory approvals and filing necessary changes
• Identify opportunities to automate and improve internal processes
• Serve as a company expert on state-specific insurance markets, regulations, and competitive landscapes
• Act as a key liaison between insurance products and cross-functional teams, aligning goals and influencing decisions
• Define product-market fit, leveraging customer insights to enhance offerings
• 3+ years of relevant insurance product experience
• 4+ years of functional experience
• Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline
• Prior insurance product management experience with a deep understanding of state P&Ls, insurance regulations, and product requirements
• Proven ability to adapt to fast-paced environments and quickly grasp new concepts and technologies
• Strong communication skills, with the ability to collaborate across teams and influence stakeholders
• Excellent project management and time management skills
• Strong analytical and problem-solving abilities, including experience with rate-making, forecasting, modeling, and competitive analysis

Good to Have

• Comprehensive understanding of reinsurance structures and key concepts
• Hands-on experience with catastrophe modeling; familiarity with Verisk or Moody’s platforms is a plus
• Advanced statistical and analytical skills to generate actionable insights that optimize risk portfolio and maximize risk-adjusted returns

Perks & Benefits

• Comprehensive benefits program including Medical, Dental, Vision, Life Insurance, Short and Long Term Disability Insurance options, Employee Assistance Program, as well as elective voluntary benefits such as accident insurance, hospital indemnity, critical illness, legal assistance and pet insurance
• Competitive salary and company equity through Restricted Stock Units (RSUs)
• 401K with company match of up to 4% of eligible earnings
• Flexible PTO for exempt employees (employees typically take 15-20 days annually)
• 8 company-observed holidays
• Paid parental leave program (100% salary continuation of up to 14 weeks for birthing parents and 8 weeks for non-birthing parents)
• Continuing education and professional development opportunities

Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore.

We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2025).
• Forbes' America's Best Startup Employers (2021- 2024, Ranked #37 in 2024).
• Inc. 5000 Fastest-Growing Private Companies.
• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

So, what’s the role?

We’re looking for a strategic and results-driven manager to join our Insurance team and drive profitable growth across new and existing markets. In this role, you’ll leverage your industry expertise to develop and manage state-specific insurance products, ensuring competitive pricing, strong underwriting practices, and regulatory compliance.

You’ll take ownership of the entire product lifecycle—from market research and data analysis to go-to-market planning and execution. Collaborating cross-functionally with actuarial, claims, distribution, and other teams, you’ll develop integrated strategies that align with our financial goals and customer needs. Your insights will help identify market gaps and shape innovative solutions that keep us at the forefront of the home insurance industry.

A Day in the Life Could Include:

• Owning P&L for multiple states and driving business growth across all insurance lines.
• Executing state and product strategies, optimizing customer experience, retention, conversion, and pricing.
• Analyzing data and feedback to refine coverage offerings, streamline the application process, and enhance satisfaction.
• Collaborating with tech teams to improve agent and customer experiences.
• Managing projects from planning to execution, ensuring high-quality outcomes.
• Navigating regulatory approvals and filing necessary changes.
• Identifying opportunities to automate and improve internal processes.
• Serving as a company expert on state-specific insurance markets, regulations, and competitive landscapes.
• Acting as a key liaison between insurance products and cross-functional teams, aligning goals and influencing decisions.
• Defining product-market fit, leveraging customer insights to enhance offerings.

I’ve Got the Skills… But Do I Have the Necessary Ones?

• 3+ years of relevant insurance product experience.
• 4+ years of functional experience.
• Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline.
• Prior insurance product management experience with a deep understanding of state P&Ls, insurance regulations, and product requirements.
• Proven ability to adapt to fast-paced environments and quickly grasp new concepts and technologies.
• Strong communication skills, with the ability to collaborate across teams and influence stakeholders.
• Excellent project management and time management skills.
• Strong analytical and problem-solving abilities, including experience with rate-making, forecasting, modeling, and competitive analysis.

Bonus Points:

• Comprehensive understanding of reinsurance structures and key concepts.
• Hands-on experience with catastrophe modeling; familiarity with Verisk or Moody’s platforms is a plus.
• Advanced statistical and analytical skills to generate actionable insights that optimize risk portfolio and maximize risk-adjusted returns.

Oh, and don’t worry, we’ve got you covered!

We offer a comprehensive benefits program, allowing you to choose the benefits that are best for you and your family including: Medical, Dental, Vision, Life Insurance, Short and Long Term Disability Insurance options, Employee Assistance Program, as well as elective voluntary benefits such as accident insurance, hospital indemnity, critical illness, legal assistance and pet insurance. Kinfolk become eligible for benefits on the first day of the month following their start date.

In addition to these benefits, we also are excited to offer the following:

• Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level.
• 401K with company match of up to 4% of eligible earnings
• Flexible PTO for exempt employees (employees typically take 15-20 days annually), along with 8 company-observed holidays
• A paid parental leave program that provides 100% salary continuation of up to 14 weeks for birthing parents and 8 weeks for non birthing parents
• Continuing education and professional development opportunities

We will accept applications for the role until March 30th, 2026

For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, 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 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, 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.

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

About Kin

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com

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.