Senior Risk Analyst

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most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind.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?

Risk Analytics sits at the intersection of data science, business strategy, and operational execution—partnering cross-functionally with teams like Underwriting, Pricing & Risk Management, Claims, Actuarial, and Product to drive smarter growth and more profitable decision-making.

As a Senior Analyst, you’ll play a key role in this work by identifying and prioritizing problems throughout the organization, developing and providing actionable solutions, and communicating results to a range of business partners. The work is fast-paced, cross-functional, and high-impact—ideal for someone who thrives in ambiguity and wants to see their analysis drive real outcomes.

To succeed in this role, you’ll need to combine strong technical skills with sound judgment and a collaborative mindset. That means taking full ownership of your projects, being proactive in clarifying expectations, and distilling complexity into clear insights that help drive decisions. We’re looking for someone who’s comfortable navigating evolving priorities and who brings both curiosity and rigor to every stage of the analytic process.

A day in the life could include:

• Partnering with stakeholders in Underwriting, Product, Pricing & Risk Management, Finance, and Engineering to define project goals, align on deliverables, and communicate results

• Conducting exploratory analysis to uncover insights, validate hypotheses, and shape strategic decisions

• Designing advanced analytics models and analytical frameworks that support operational efficiency and better segmentation—such as optimizing data attribute logic, improving inspection models, and simulating pricing changes

• Writing clear, concise memos and presentations that translate technical findings into actionable business insights, especially for non-technical leaders

• Maintaining a bias toward action and communicating assumptions or caveats where needed—helping the business move forward even when data isn't perfect

• Driving your own work forward through structured planning, regular progress updates, and alignment checkpoints with project sponsors

• Supporting a culture of continuous learning by mentoring junior analysts and sharing analytical best practices with peers

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

• Bachelor’s degree in Computer Science, Engineering, Mathematics, Finance or a related field or equivalent professional experience

• 5+ years of work experience in analytics, finance, engineering, management consulting or equivalent analytical and product management experience

• Prior experience in the insurance industry with a solid understanding of pricing, underwriting, and data applications

• Experience working with modern data solutions (EX: Looker/Tableau/Power BI/DataBricks/FiveTran)

• Proficient in SQL and Python for data analysis and transformation

• Strong critical thinking and problem-solving skills, with a track record of independently leading complex projects from scoping to delivery

• Demonstrated comfort operating in ambiguity, making assumptions explicit, and taking thoughtful risks to move the business forward

• Excellent written and verbal communication; able to translate nuanced findings into simple takeaways for a range of audiences

• Ability to serve as a bridge between technical teams (e.g. Engineering) and business stakeholders by understanding both system architecture and business objectives

• Strong business intuition and curiosity to go beyond the data—asking why it matters, how it can influence real outcomes, and proactively identifying new analytical opportunities or ideas that align with business strategy

• Experience working in a startup or high-growth environment, with comfort navigating ambiguity and evolving priorities

• Background in fintech, insurtech, or other regulated technology industries

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 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 are also 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, 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 September 29th, 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, MN, 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.