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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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:
Forbes Americas Best Startup Employers (2026)
5000 Fastest-Growing Private Companies
Forbes’ Fintech )
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. Were 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.Were looking for a Pricing & Risk Analyst to help us find where Kin can grow profitably, state by state and segment by segment. This role sits on our Pricing and Risk Management team and focuses on state growth and segmentation. Youll 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. Youll 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. Own recurring state performance reporting on quote volume, quote-to-bind conversion, new business, premium, retention, and loss experience, and investigate whats 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
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
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.
By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.
State performance analyses arrive accurate and on time, and the team trusts your explanation of what changed and why
The team is acting on profitable state growth opportunities that your analysis helped bring to light
Youre independently handling analyses that once required close guidance
internships, coursework, and analytical projects count
~ Bachelors degree in economics, statistics, mathematics, actuarial science, finance, business, computer science, or a related field, or equivalent practical experience
~ Foundational SQL skills and proficiency with Excel or similar spreadsheet tools
~ Experience analyzing data to identify patterns, investigate questions, and explain findings
~ Hands-on experience using AI for analytical or coding tasks (academic or personal projects count), and a willingness to regularly use and build proficiency in Claude Code, Databricks Genie, and MCP-enabled workflows
~ Ability to explain findings in plain language, stay curious, and manage assignments with guidance

Bonus if you have
Familiarity with Claude Code, Databricks Genie, or MCP connections
Exposure to P&C insurance, pricing, underwriting, or risk analysis
Familiarity with Python, data visualization, or statistical analysis
A project showing how you used AI to analyze data, validate results, and communicate a recommendation
We’ll accept applications for this position until (insert date). 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. Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
~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

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
Career mobility and internal growth opportunities across the organization
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.
High performance. High performance. And so do our customers.
Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. To make insurance better for our customers, we experiment. And we base decisions on data rather than assumptions. We are a remote-first company with offices in Chicago, IL and St. For Sales Agents and Customer Service Agents: 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.
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.