Pricing & Risk Manager

We’re looking for a strategic and results-driven Pricing & Risk Manager to drive profitable growth across new and existing markets. This role ensures our state-specific homeowners products are competitively priced, operationally sound, and aligned with our financial and risk goals.

You’ll own the full product lifecycle — from market research and rate analysis to regulatory filings and go-to-market execution. Partnering closely with actuarial, claims, distribution, underwriting, and technology teams, you’ll shape integrated strategies that balance growth, risk selection, customer experience, and compliance. Your insights will drive your ownership of state-level P&Ls and help Kin stay ahead in a rapidly evolving insurance landscape.

Your responsibilities:

• Own P&L performance for multiple Southeast states, driving profitable growth across homeowners, auto, and related insurance lines.
• Develop and execute state and product strategies that optimize pricing, coverage and forms, underwriting guidelines, retention, conversion, and customer experience.
• Analyze performance data, competitive intelligence, and customer feedback to refine coverage offerings and improve application and policyholder journeys.
• Partner with actuarial teams on rate-making, forecasting, segmentation, and risk selection strategies.
• Lead regulatory filings and manage approval processes for rate and product changes in assigned states.
• Collaborate with technology teams to improve agent and customer experiences through system enhancements and process improvements.
• Identify and implement automation and operational improvements to increase efficiency and scalability.
• Serve as a subject matter expert on assigned state markets, regulatory environments, competitive dynamics, and product performance.
• Define and validate product-market fit, leveraging quantitative analysis and customer insights to inform strategy.
• Lead cross-functional projects from planning through execution, ensuring high-quality and timely outcomes.

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.

• Assigned state P&Ls demonstrate improved profitability, disciplined growth, and clear alignment between strategy and financial outcomes.
• Rate and product changes are executed smoothly, with strong cross-functional alignment and timely regulatory approvals.
• Product enhancements measurably improve retention, conversion, or customer satisfaction.
• Stakeholders rely on your insights to inform market expansion, risk appetite, and competitive positioning decisions.

What you’ll bring:

• 3+ years of insurance product experience and 4+ years of relevant functional experience.
• A Bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline.
• Direct insurance product management experience with a strong understanding of state-level P&Ls, insurance regulations, and product requirements.
• Experience with rate-making, forecasting, modeling, competitive analysis, and risk portfolio management.
• Ability to operate effectively in fast-paced environments and quickly grasp new concepts and technologies.
• Strong project management skills with the ability to drive initiatives from strategy through execution.
• Clear, persuasive communication skills and the ability to influence cross-functional stakeholders.

Bonus:

• State Management experience in hurricane-exposed states.
• Comprehensive understanding of reinsurance structures and key concepts.
• Advanced statistical and analytical expertise to optimize risk portfolios and maximize risk-adjusted returns.