Pricing & Risk Analyst

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder. 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 14 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 (2026)

Inc. 5000 Fastest-Growing Private Companies

Forbes’ Fintech 50 (2023-2026)

Great Places to Work Certified (May 2024-May 2027)

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 Pricing & Risk Analyst to help us find where Kin can grow profitably, state by state and segment by segment. As Kin grows, understanding how each state is performing, and why, is central to deciding where to grow and how to price for it. This role sits on our Pricing and Risk Management team and focuses on state growth and segmentation. You'll work alongside state managers and business partners to turn policy, quote, and claims data into practical recommendations.

This is an entry-level role built for someone curious and detail-oriented who wants to learn how analytics shape real pricing and risk decisions. AI is part of how this team works every day. You'll use Databricks Genie, Claude Code, and approved MCP connections to explore data, automate recurring work, and spend more of your time on the questions that matter. Experienced Pricing and Risk colleagues will guide you as you build knowledge of insurance metrics, pricing, segmentation, and state performance. Prior insurance expertise isn't expected, and neither is experience with every tool in our stack.

Your responsibilities

Own recurring state performance reporting on quote volume, quote-to-bind conversion, new business, premium, retention, and loss experience, and investigate what's driving changes in results

Analyze performance across geography, risk characteristics, coverage, and distribution channels to surface growth opportunities and segments that need closer review

Evaluate how proposed rate changes, underwriting rules, and shifts in business mix could affect growth and profitability

Build and maintain competitive research that informs state comparisons and points to potential product or pricing opportunities

Use Databricks Genie to explore data, and Claude Code to write SQL queries, build analytical scripts, automate recurring reports, and document findings

Bring relevant data and business context into analytical workflows through approved MCP connections

Validate data, calculations, and AI-generated outputs; document sources and assumptions, and raise questions early when results look uncertain or inconsistent

Deliver clear charts and concise summaries for Pricing and Risk and partner teams, developing recommendations alongside experienced colleagues

Measure performance after pricing, underwriting, and product changes go live

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.