Director of State Management, Kin Insurance
$170-230k
Offers Equity & Bonus
More information about location
Personalized home insurance platform
Be an early applicant
Personalized home insurance platform
501-1000 employees
Be an early applicant
$170-230k
Offers Equity & Bonus
More information about location
501-1000 employees
Company mission
To reimagine home insurance for every new normal.
Role
Who you are
- 10+ years of pricing, risk, actuarial, or advanced analytics experience, with at least 7 years carrying direct P&L or regional business ownership
- Proven track record leading a pricing, risk, or analytics function with full accountability for strategy, team performance, and business outcomes
- Experience managing state- or regional-level budgets and headcount, with a demonstrated ability to hit financial targets
- Deep expertise building and interpreting executive dashboards, risk KPIs, and performance reporting that inform real decisions — not just reporting
- Demonstrated ability to navigate complex, multi-state regulatory environments and translate compliance requirements into actionable strategy
- Comfort using AI and data tools to enhance analytical workflows, identify risk patterns, and inform pricing decisions — you don’t need to build the models, but you know how to use what’s in front of you
- Strong presence with executive leadership and external stakeholders — you can translate complex trade-offs into clear, confident narratives
- Demonstrated ability to triage competing priorities across a complex portfolio, making clear calls on where to focus team resources for maximum impact
- Comfortable operating in a fast-moving, evolving environment where priorities shift and the ability to adapt quickly is as important as technical depth
- Track record of developing direct reports and building a team culture rooted in accountability, curiosity, and continuous improvement
What the job involves
- We’re looking for a Pricing & Risk Director to own the strategic direction of Kin’s eastern region — leading a team of state managers and setting the pricing and risk frameworks that drive sustainable, profitable growth across our most complex markets
- This role exists at a pivotal moment
- As Kin continues to expand into new states and deepen its presence in high-risk markets, we need a director who can move with speed and precision — someone who brings both the analytical depth to make smart pricing decisions and the leadership presence to align teams, influence executives, and navigate a demanding regulatory environment
- You’ll need the ability to synthesize ambiguous, multi-variable situations into clear strategic direction — not just execute established frameworks but build new ones as conditions evolve
- If you’re energized by high-stakes problems, thrive in data-rich environments, and want to build something that actually matters for homeowners, this is the role for you
- Own end-to-end P&L for the eastern region, driving rate strategy, loss ratio targets, and expense management to deliver sustainable profitability
- Lead, develop, and set clear performance expectations for a team of two state managers, ensuring consistent, high-quality execution across the region
- Define and continuously refine pricing strategies and risk frameworks for eastern states, translating complex data into actionable decisions that strengthen competitive positioning
- Present pricing and risk insights to executive leadership and regulatory bodies, clearly articulating trade-offs and strategic recommendations with confidence
- Build and maintain regional dashboards and risk KPIs that give leadership real-time visibility into portfolio performance
- Own regulatory modeling and compliance strategy for the eastern region, proactively navigating evolving requirements to protect market access
- Apply AI and data tools to surface emerging risk patterns, improve pricing accuracy, and sharpen the team’s analytical output
- Drive a continuous state optimization discipline across the eastern region — treating profitability, growth, and competitive positioning as always-in-progress workstreams rather than periodic initiatives
- Lead cross-functional problem solving on complex regional challenges, bringing together pricing, actuarial, product, and operations to drive aligned outcomes
- 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
- The eastern region has a clear, well-understood pricing and risk roadmap that the team and executive stakeholders are aligned on and actively executing against
- State managers are operating with greater clarity, accountability, and independence — spending less time on escalations and more time driving results in their markets
- Executive leadership is relying on eastern region data and insights to inform high-stakes business decisions with confidence
- Regulatory interactions in eastern states are proactive, well-supported, and no longer reactive — reducing risk and strengthening Kin’s standing in key markets
Application process
- We believe a great hiring experience should be clear, respectful, and human. We will accept applications for this position until August 17th, 2025. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions
- The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:
- Prompt updates and feedback following interviews
- Interviews with recruiters, hiring managers, and members of teams
- Skills assessment relevant to the position, if applicable
- Genuine, thoughtful human interaction at every step
Our take
The setup process for home insurance can be difficult and time-consuming, particularly for complex and risky properties. Legacy insurance providers rely on users and brokers to insert uniform data, an approach that is not very accurate considering the idiosyncrasies of each individual property.
Kin Insurance works directly with consumers to provide bespoke and affordable home insurance. The company's software imports thousands of variables based on third-party data in order to provide a more personalized approach to home insurance. Data is also collected from aerial and satellite imagery, government records, and building permits to ensure a house is covered from localized threats such as wildfire, hurricanes and other natural disasters.
Recognizing the antiquated and one-size-fits-all nature of the current home insurance landscape, Kin Insurance has taken an innovative approach by focusing on data collection. Through these means, the company claims that it can offer personalized insurance that can be negotiated directly through its communication channels, ensuring that consumers can access the exact insurance they need without having to pay more than is required. Strong funding, raised across several rounds, will allow Kin to expand its network and business reach.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
12% employee growth in 12 months
Company
Funding (last 2 of 12 rounds)
Sep 2025
$50m
SERIES E
Feb 2024
$15m
SERIES D
Total funding: $376m
Company benefits
- Medical
- Dental
- Vision
- Life insurance
- Disability insurance
- Commuter benefit plan
- 401k
- Flex spending accounts
- Support for continuing education and professional development
- Training, development, and networking opportunities via Sales Assembly
- Flexible PTO
- Onsite gym membership
- Company-provided lunch each month
- Daily snacks
- Sodas, unlimited flavored water, & coffee
Company HQ
River North, Chicago, IL
Leadership
Sean Harper
(Co-Founder & CEO)Sean worked as a BCG Associate for 5 years before founding FeeFighters.com and working for 2 years at Groupon. After a year as CPO of 2Checkout, they co-founded Kin Insurance, serving since as CEO.
Lucas Ward
(Co-Founder & Member of the Board of Directors)Having studied at Southeast Missouri State University, Lucas spent half a decade at Accenture, before a combined 3 years at ThoughtWorks and Fundspire. They left their CTO position at Rippleshot in 2015 to co-found Kin Insurance in January 2016.
Vivek Vaid
(CTO)Previously CTO at BRANDED, FourKites, Chief Data Officer at Uptake and Head of Technology at Morningstar.
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