Senior Pricing & Risk Manager

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most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind.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 are looking for a Senior Insurance Product Manager to join our growing team! Kin is currently revolutionizing the home insurance industry; in order to continually offer innovative products and services, we need to expand our team of Insurance Product experts. You can expect to utilize your industry expertise to help us build new insurance products for current and new markets and help manage profitable growth for new lines of business in assigned states. You will be representing Kin as a company expert and authority on lines of business and/or states, including a detailed understanding of market underwriting, pricing, competitors, agencies, business mix, and regulations.

You'll have the chance to be responsible for all aspects of management, including pricing, policy and forms, underwriting, regulatory, go-to-market planning, project management, and implementation. Through extensive market research, data analysis, and customer feedback, you will identify gaps in the insurance market that your products can effectively address and work cross-functionally to implement. We will look to you to develop integrated state-specific strategies, including actuarial, claims, distribution, and other functional areas, as well as to align and measure goals set against our financial plans.

A day in the life could include:

• Creating lines of business/state strategies, including all operational goals and measure,s including customer experience and satisfaction, policyholder retention, quotes, sales, conversion, new business growth, underwriting quality, price segmentation, and claims trends

• P&L responsibility for our new lines of business and/or states

• Filing and gaining approval of changes that require regulatory approval

• Aligning operational goals and measures across functions for financial planning and evaluation

• Defining product market fit and deeply understanding the needs, behaviors, and pain points of the target customer segments; translating customer insights into tangible product enhancements with strong cross-functional collaboration.

• Analyzing feedback and data to understand how coverage offerings are received by agents and customers, the ease of the application process, and the overall satisfaction with the insurance product

• Working closely with our technical teams to enhance user and agent experience for assigned states/products

• Communicating and planning state strategies with managers across all functional areas and the leadership team

• Identifying ways to improve and automate internal processes to advance insurance product development

I’ve got the skills… but do I have the necessary ones?

• 8-10 years of insurance experience

• 5+ years of specific insurance product line experience (home and auto preferred)

• Underwriting and loss mitigation experience with a focus on geographies prone to severe convective storms and/or hurricanes.

• In-depth knowledge of insurance products, pricing, risk, and regulatory requirements

• Proven managerial skills with demonstrated success in developing, leading, and overseeing state P&Ls

• Strong ability to quickly grasp new concepts and technologies with a well-rounded understanding of tools such as Excel, SQL, and Looker

• Exceptional written and verbal communication skills, as well as proven ability to foster and encourage teamwork and productive working relationships with stakeholders at all levels and across organizational lines

• Committed to maintaining ethical standards when dealing with data, our customers, and internal employees

• Outstanding project management and time management skills with a proven ability to maintain composure and flexibility in thriving fast-paced situations

Bonus Points:

• Master’s degree, CPCU, or Actuarial Designations a Plus

• Ratemaking experience

• Experience building and/or managing products for Texas and/or Florida

• Strong market analysis and competitive intelligence skills with the ability to acquire, extract, and analyze competitive data from multiple sources

• Insurtech experience

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 and 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

Kin will accept applications for the role until December 15th, 2025

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.

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.

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.