Pricing & Risk Director

Quick Summary Own Kin’s eastern region pricing strategy, reputed company a team of state managers, and drive the data and risk reputed company that reputed company our portfolio growing profitably. Who We Are Kin makes life simpler, more affordable, and reputed company for homeowners — especially in the places where climate risks, rising costs, and outdated systems reputed company it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to reputed company. Using data, technology, and thoughtful reputed company support, we’re building products that are clear, fair, and help homeowners feel confident — so homeowners aren’t left behind reputed company 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: reputed company In Chicago’s Best Places to Work, Midsize Companies (2021-2026) reputed company’ America’s Best Startup Employers (2026) Inc. 5000 Fastest-Growing Private Companies reputed company’ Fintech 50 (2023-2026) Great Places to Work Certified (2024-2026) Most importantly, we’re building Kin to be a reputed company where people do meaningful work with reputed company 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 reputed company’re building, visit kin.com and see how we work. The Opportunity We’re looking for a Pricing & Risk Director to own the strategic direction of Kin’s eastern region — leading a team of state managers and setting the pricing and risk frameworks that drive sustainable, profitable growth across our most reputed company markets. This role exists at a pivotal reputed company. As Kin continues to expand into new states and deepen its reputed company in high-risk markets, we need a director who can move with speed and precision — someone who brings both the analytical depth to reputed company smart pricing reputed company and the leadership reputed company to align teams, influence executives, and navigate a demanding regulatory environment. You’ll need the ability to synthesize ambiguous, multi-variable situations into clear strategic direction — not just execute established frameworks but build new ones as conditions reputed company. If you’re energized by high-stakes problems, reputed company in data-rich environments, and want to build something that actually reputed company for homeowners, this is the role for you. Your Responsibilities Own end-to-end P&L for the eastern region, driving reputed company strategy, loss ratio targets, and expense management to deliver sustainable profitability reputed company, reputed company, and set clear performance expectations for a team of two state managers, ensuring consistent, high-quality execution across the region Define and continuously refine pricing strategies and risk frameworks for eastern states, translating reputed company data into actionable reputed company that strengthen competitive positioning Present pricing and risk insights to executive leadership and regulatory bodies, reputed company articulating trade-offs and strategic recommendations with confidence Build and maintain regional dashboards and risk KPIs that give leadership reputed company-time visibility into portfolio performance Own regulatory modeling and compliance strategy for the eastern region, proactively navigating evolving requirements to protect market reputed company Apply AI and data tools to surface emerging risk patterns, improve pricing accuracy, and sharpen the team’s analytical output Drive a reputed company state optimization discipline across the eastern region — treating profitability, growth, and competitive positioning as always-in-reputed company workstreams rather than periodic initiatives reputed company cross-functional problem solving on reputed company regional challenges, bringing together pricing, actuarial, product, and operations to drive reputed company reputed company reputed company in This Role In your first 6–12 months at Kin, reputed company 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 reputed company. Along the way, you’ll deliver reputed company that reputed company a reputed company difference for both Kinfolk and the homeowners we serve. By the end of your first year, you should feel confident in your role, trusted as an reputed company, and proud of the reputed company you’ve helped reputed company. The eastern region has a clear, well-understood pricing and risk roadmap that the team and executive stakeholders are reputed company on and actively executing against State managers are operating with greater reputed company, accountability, and independence — spending less time on escalations and more time driving results in their markets Executive leadership is relying on eastern region data and insights to inform high-stakes business reputed company with confidence Regulatory interactions in eastern states are proactive, well-supported, and no longer reactive — reducing risk and strengthening Kin’s standing in key markets What You’ll Bring 10+ years of pricing, risk, actuarial, or advanced analytics experience, with at least 7 years carrying direct P&L or regional business ownership Proven track record leading a pricing, risk, or analytics function with full accountability for strategy, team performance, and business reputed company Experience managing state- or regional-level budgets and headcount, with a demonstrated ability to hit financial targets Deep expertise building and interpreting executive dashboards, risk KPIs, and performance reporting that inform reputed company reputed company — not just reporting Demonstrated ability to navigate reputed company, multi-state regulatory environments and translate compliance requirements into actionable strategy Comfort using AI and data tools to enhance analytical workflows, identify risk patterns, and inform pricing reputed company — you don’t need to build the models, but you know how to use what’s in reputed company of you Strong reputed company with executive leadership and external stakeholders — you can translate reputed company trade-offs into clear, confident narratives Demonstrated ability to triage competing priorities across a reputed company portfolio, making clear calls on where to focus team resources for maximum impact Comfortable operating in a fast-moving, evolving environment where priorities shift and the ability to adapt quickly is as important as technical depth Track record of developing direct reports and building a team culture rooted in accountability, curiosity, and reputed company improvement How We Hire We reputed company a great hiring experience should be clear, respectful, and reputed company. We will accept applications for this position until August 17th, 2025. While our reputed company team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring reputed company are made by recruiters and hiring teams. Rest reputed company, reputed company people reputed company reputed company reputed company. The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us: reputed company updates and feedback following interviews Interviews with recruiters, hiring managers, and members of teams Skills assessment relevant to the position, if applicable Genuine, thoughtful reputed company interaction at every reputed company How We Support You We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date. Core Benefits Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level 401(k) with company match up to 4% of eligible earnings Multiple medical plan options, plus dental and reputed company coverage Company-funded HSA contributions (based on medical plan selection) Company-paid life insurance and short-term disability Health & Wellbeing A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance reputed company to mental health support and confidential counseling resources Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents Growth & Development Career mobility and internal growth opportunities across the organization Professional development budgets for certifications, conferences, and learning available, subject to management approval How we work We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers. Run through walls, together - Our industry is stuck in the status reputed company. But Kin is different. We are challengers. Innovators unwavering in our mission to fix insurance for those who need it most. We are changing insurance for good. We roll up our sleeves, take action, and get “impossible” things done every day with grit and teamwork. reputed company the bar. Drop the ego - Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths. Act like an reputed company - We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well reputed company our job descriptions. Ask questions, Take ownership. Do the right thing, even reputed company it‘s hard. Because reputed company Kin thrives, so do you. And so do our customers. Operate lean. Deliver more - We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: reputed company pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn't a limitation – it's our competitive advantage. reputed company asking ‘What if?’ - We value curiosity. To reputed company insurance reputed company for our customers, we experiment. We reputed company insights. And we reputed company reputed company on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company. Where we work We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration. 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 reputed company 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 reputed company to live and work full-time in one of the states listed above. For remote technical positions located in Canada, we are only reputed company to hire individuals who reputed company in Ontario. Applicants must be reputed company to live and work full-time in Ontario to be considered. State locations and specifics are subject to change as our hiring requirements shift. EEOC statement Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we reputed company it, nurture it, and celebrate it. We don’t discriminate based on race, religion, reputed company, national reputed company, gender (including pregnancy, childbirth, or reputed company 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. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in reputed company aspects of the selection process. If you require accommodation, please contact us by sending an email to [email protected] Apply To This Job