Pricing and Risk Manager

The Opportunity

We're looking for a Pricing and Risk Manager to help us build the next generation of insurance products and coverages as well as expand Kin's footprint across states. This role sits at the intersection of pricing strategy and product development — turning market insight and risk analysis into new coverage options, rating features, and pricing enhancements that customers actually feel.

This is a hands-on, builder-focused role. You won't be managing a team — you'll be directly shaping the products and features that power Kin's growth, from initial concept through launch in both new and existing states. Your work will directly influence how competitively and confidently Kin can enter new markets and deepen its presence in current ones.

Your Responsibilities

• Design and develop new insurance products, rules, coverages, and enhancements that improve competitiveness and customer value
• Lead state expansion efforts by building and launching pricing models for new states, and optimizing existing state models for performance
• Own the research and proposal of new products, rules, coverages, and enhancements
• Own the end-to-end rollout process, from initial pricing analysis through launch and post-launch monitoring
• Leverage AI and machine learning tools to enhance pricing accuracy, uncover emerging risk patterns, and accelerate analytical workflows
• Partner cross-functionally with actuarial, product, and compliance teams to ensure new features are technically sound and regulator-ready
• Build and maintain dashboards and KPIs that track the performance of newly launched products and pricing features
• Translate market and competitive research into concrete product recommendations and pricing adjustments
• Identify opportunities for pricing innovation ahead of state expansion, ensuring readiness for regulatory review and market entry

Success in This Role

In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. 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.

• New pricing products or features have been successfully launched, showing meaningful impact to growth goals
• State expansion pricing models are built, validated, and ready for regulatory submission
• AI/ML tools are actively integrated into the pricing development workflow, improving speed or accuracy of analysis
• Cross-functional partners trust this person's product recommendations and rely on their analysis to make launch decisions

What You'll Bring

• 5+ years of insurance product development experience
• Demonstrated experience building or launching new insurance products, features, or rating enhancements
• Experience supporting state expansion efforts, including new-state pricing model development and regulatory readiness
• Hands-on experience applying AI and machine learning tools to pricing, underwriting, or risk workflows, with measurable results
• Strong understanding of regulatory modeling and compliance requirements across multiple states
• Ability to translate market research and competitive analysis into concrete pricing and product recommendations
• Comfortable partnering cross-functionally with actuarial, product, and compliance teams without formal authority over those teams
• Homeowners insurance experience preferred but not necessary