Pricing & Risk Director

Quick summary Lead Kin’s pricing and risk function by setting department strategy, driving innovation, and influencing executive and regulatory decisions at scale. Let us introduce ourselves Kin Insurance is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (including purchasing, servicing, and 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starting with their homes and expanding to everything they value, in a world where climate risks, rising costs, and outdated systems leave too many people behind. Our approach has fostered outstanding growth, attracted marquee investors, and honored us with 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) - Inc. 5000 Fastest-Growing Private Companies - Forbes’ Fintech 50 - Great Places to Work Certified (2024–2026) We are also a remote-first employer, with kinfolk located in over 35 states. Established in 2016, we currently insure customers in 13 states (and counting), and were most recently valued at $2B. The opportunity We’re looking for a Pricing and Risk Director to lead Kin’s Pricing & Risk Management department and define how pricing strategy, risk frameworks, and analytical insight drive business growth. This role represents the shift from managing organizational execution to accountability for department-level direction, resources, and outcomes. You’ll set the roadmap for the function, oversee budgeting and hiring, and guide innovation in pricing and risk methodologies. As a leader, you’ll partner closely with executives and external stakeholders to ensure pricing decisions are aligned with Kin’s long-term strategy, regulatory expectations, and market realities. Your responsibilities - Lead the Pricing & Risk Management department’s roadmap, prioritization, and long-term strategy - Own departmental budgeting, headcount planning, and hiring to support business goals - Drive innovation in pricing strategies, risk frameworks, and analytical approaches - Present pricing and risk insights to executive leadership and regulatory bodies - Ensure accountability and consistent delivery across teams through clear goals and standards - Oversee enterprise-level dashboards, risk KPIs, and performance reporting - Shape and guide regulatory modeling and compliance strategy at scale - Foster a culture of innovation, continuous improvement, and data-driven decision making - Resolve complex, enterprise-wide challenges through critical analysis and cross-functional leadership What success looks like - The pricing and risk function has a clear, actionable roadmap aligned to company strategy - Pricing strategies and risk frameworks support sustainable growth and strong portfolio performance - Executives rely on pricing and risk insights to make high-impact business decisions - Regulatory interactions are effective, credible, and well-supported by data - Teams are aligned, accountable, and consistently delivering against goals - Innovation and continuous improvement are embedded in how the department operates Your experience & skills - 7+ years of pricing, risk, actuarial, or advanced analytics experience with 9+ years of relevant analytical or quantitative experience - Experience leading a pricing, risk, or analytics function with responsibility for strategy and outcomes - Proven ability to manage departmental budgets, hiring, and resource planning - Deep expertise in executive dashboards, enterprise risk KPIs, and predictive strategy validation - Strong understanding of regulatory modeling and compliance requirements - Ability to influence executive leadership and external stakeholders with clarity and credibility - Demonstrated success driving enterprise-level innovation and continuous improvement - High standards for integrity, judgment, and decision-making, paired with openness to diverse perspectives HOW WE HIRE We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until June 15th, 2026. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions. The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us: - Prompt updates and feedback following interviews - Interviews with recruiters, hiring managers, and members of teams - Skills assessment relevant to the position, if applicable - Genuine, thoughtful human interaction at every step 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 vision 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 - Access 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 quo. 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. Raise 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 owner - We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Take ownership. Do the right thing, even when it‘s hard. Because when 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: better 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. Keep asking ‘What if?’ - We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions 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 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. For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able 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 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. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to careers@kin.com