Pricing & Risk Manager

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most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind.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

We’re looking for a strategic and results-driven State Manager to join our Insurance team and drive profitable growth across new and existing markets. In this role, you’ll leverage your industry expertise to develop and manage state-specific insurance products, ensuring competitive pricing, strong underwriting practices, and regulatory compliance.

You’ll take ownership of the entire product lifecycle—from market research and data analysis to go-to-market planning and execution. Collaborating cross-functionally with actuarial, claims, distribution, and other teams, you’ll develop integrated strategies that align with our financial goals and customer needs. Your insights will help identify market gaps and shape innovative solutions that keep Kin at the forefront of the home insurance industry.

• Owning P&L for multiple states and driving business growth across all insurance lines.

• Executing state and product strategies, optimizing customer experience, retention, conversion, and pricing.

• Analyzing data and feedback to refine coverage offerings, streamline the application process, and enhance satisfaction.

• Collaborating with tech teams to improve agent and customer experiences.

• Managing projects from planning to execution, ensuring high-quality outcomes.

• Navigating regulatory approvals and filing necessary changes.

• Identifying opportunities to automate and improve internal processes.

• Serving as a company expert on state-specific insurance markets, regulations, and competitive landscapes.

• Acting as a key liaison between insurance product and cross-functional teams, aligning goals and influencing decisions.

• Defining product-market fit, leveraging customer insights to enhance offerings.

• 3+ years of relevant insurance product experience.

• 4+ years of functional experience.

• Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline.

• Prior insurance product management experience with a deep understanding of state P&Ls, insurance regulations, and product requirements.

• Proven ability to adapt to fast-paced environments and quickly grasp new concepts and technologies.

• Strong communication skills, with the ability to collaborate across teams and influence stakeholders.

• Excellent project management and time management skills.

• Strong analytical and problem-solving abilities, including experience with rate-making, forecasting, modeling, and competitive analysis.

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 also are 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 (employees typically take 15-20 days annually), 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 July 22, 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.

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.

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.