Sr. Insurance Product Manager

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starting with their homes and expanding to everything they value, in a world where climate risks, rising costs, and outdated systems leave too many people behind.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 Sr. Pricing and Risk Manager 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 Own end-to-end P&L for an assigned region, driving rate strategy, loss ratio targets, and expense management to deliver sustainable profitability Lead the development and continuous refinement of pricing strategies and risk frameworks, translating data into actionable decisions that improve competitive positioning Leverage AI and machine learning tools to enhance pricing accuracy, identify emerging risk patterns, and accelerate analytical workflows across the team Present pricing and risk insights to executive leadership and regulatory bodies, clearly articulating complex trade-offs and strategic recommendations Set clear goals and performance standards across teams, holding stakeholders accountable for consistent, high-quality execution Build and maintain enterprise-level dashboards and risk KPIs that provide real-time visibility into regional and portfolio performance Own regulatory modeling and compliance strategy, proactively navigating evolving requirements to minimize risk and maintain market access Foster a culture of intellectual curiosity, continuous improvement, and data-driven decision-making at every level of the team Lead cross-functional problem solving on complex, high-stakes challenges — bringing together pricing, actuarial, product, and operations to drive aligned outcomes 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 at least 3 years in a role with direct P&L or regional business ownership Proven track record leading a pricing, risk, or analytics function with full accountability for strategy, outcomes, and team performance Experience managing regional or state-level budgets, headcount planning, and resource allocation to hit financial targets Deep expertise in building and interpreting executive dashboards, risk KPIs, and performance reporting that drive real business decisions Hands-on experience applying AI and machine learning tools to pricing, underwriting, or risk workflows — and a track record of translating those capabilities into measurable results Strong command of regulatory modeling and compliance requirements, with the ability to navigate complex regulatory environments across multiple states Demonstrated ability to influence executive leadership and external stakeholders with clarity, confidence, and well-structured analytical narratives Track record of driving innovation and continuous improvement in high-stakes, fast-moving environments High integrity, sharp judgment, and a collaborative leadership style that brings out the best in cross-functional teams 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 - Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. We assume the best in each other and challenge ideas, not intentions. We show up, work hard, and play to each other's strengths — because that’s how great teams win. 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