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starting with their homes and expanding to everything they value, in a world where climate risks, rising costs, and outdated systems leave too many people behind.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