Underwriting and Rating Rule Analyst

CURRENT ROOT EMPLOYEES - Please apply using the career page in Workday. This career site is for external applicants only.

As part of Root's interview process, we kindly ask that all candidates be on camera for virtual interviews. This helps us create a more personal and engaging experience for both you and our interviewers. Being on camera is a standard requirement for our process and part of how we assess fit and communication style, so we do require it to move forward with any applicant's candidacy. If you have any concerns, feel free to let us know once you are contacted. We’re happy to talk it through.

The Opportunity

The Underwriting & Rating Rule Analyst supports the development, maintenance, and execution of underwriting guidelines and rating rule strategies for personal lines insurance products, with a strong emphasis on personal auto.

This role is responsible for supporting operational excellence in underwriting and pricing standards, ensuring alignment with business goals, regulatory requirements, and evolving risk appetite. It will require collaboration with cross-functional teams including product management, actuarial, regulatory, engineering, and data science to support the delivery of compliant, competitive, and data-informed insurance products across multiple markets.

Root is a “work where it works best” company. This means we will support you working in whatever location that works best for you across the US.

Salary Range: $62,720 - $78,400 (Bonus and LTI Eligible)

How You Will Make an Impact

• Execute updates to underwriting eligibility guidelines and rating rules, aligning with strategic objectives and regulatory timelines.

• Manage and prioritize a backlog of work requests; define actionable goals and deliverables.

• Facilitate sessions with business and technical stakeholders to clarify requirements and identify process optimization opportunities.

• Maintain accurate version control and documentation of underwriting and pricing rules using established procedures.

• Research market trends, competitor filings, and legislative changes to inform and adjust underwriting and rating rule practices.

• Collaborate with cross-functional partners to ensure risk selection and pricing strategies are effectively implemented in each market.

What You Will Need to Succeed

• Bachelor’s degree preferred

• 3+ years of experience in the insurance industry, preferably in product management, underwriting, analytics or a related role within personal lines insurance.

• Ability to oversee, prioritize, and breakdown work into achievable milestones for initiatives across one to multiple teams.

• Relentless focus on business outcomes.

• Capable of explaining complex ideas to different audiences and influencing stakeholders.

• Strong stakeholder management and problem solving skills.

Studies have shown that women and people of color are less likely to apply to jobs unless they meet every single qualification. At Root, Inc., we are dedicated to building a diverse and inclusive workplace, so if you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway!

At Root, we judge people based on the merit of their work, not who they are. If you are passionate about what this role entails and solving real problems, we encourage you to apply. We want to learn about you and what you can add to our team.

We’re harnessing the power of technology to revolutionize insurance. Using machine learning and mobile telematic platforms, we’ve built one of the most innovative FinTech companies in the world. And we’re just getting started.

Our success is in large part due to our unwavering standards in hiring. We recognize that our products are only as good as the people building and promoting them. We want individuals who find solutions by going through the cycle of ideation to implementation with curiosity, rigor, and an analytical lens. Ask anyone who works here and you’ll hear similar reasons for why they joined:

Autonomy—for assertive self-starters, the opportunities to contribute are limitless.

Impact—by challenging the way it’s always been done, we solve problems that have a big impact on our business.

Collaboration—we encourage rich discussion and civil debate at every turn.

People—we are inspired by the collection of crazy-smart people around us.