Kin is on a mission to change home insurance from what it is to what it should be. Whether we’re leveraging data to create customizable coverage or providing claims service that goes above and beyond expectations, our members are at the heart of everything we do. In the face of ever-growing climate risk, they deserve an insurance company that cares about them. We aim to stick with our members through thick and thin.
Use efficient technology that lets homeowners buy directly from us to keep costs down: This is the essence of Kin. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:
- Built In Chicago's Best Places to Work, Midsize Companies (2021-2024).
- Forbes' America's Best Startup Employers (2021- 2023).
- Inc. 5000 Fastest-Growing Private Companies.
- Forbes’ Fintech 50.
Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.
So, what’s the role?
We are looking for a Senior Insurance Product Manager to join our growing team! Kin is currently revolutionizing the home insurance industry; in order to continually offer innovative products and services, we need to expand our team of Insurance Product experts. You can expect to utilize your industry expertise to help us build new insurance products for current and new markets and help manage profitable growth for new lines of business in assigned states. You will be representing Kin as a company expert and authority on lines of business and/or states including detailed understanding of market underwriting, pricing, competitors, agencies, business mix, and regulations.
You have the chance to be responsible for all aspects of management including pricing, policy and forms, underwriting, regulatory, go-to-market planning, project management, and implementation. Through extensive market research, data analysis, and customer feedback, you will identify gaps in the insurance market that your products can effectively address and work cross-functionally to implement. We will look to you to develop integrated state-specific strategies including actuarial, claims, distribution and other functional areas as well as to align and measure goals set against our financial plans.
A day in the life could include:
- Creating lines of business/state strategies including all operational goals and measures including customer experience and satisfaction, policyholder retention, quotes, sales, conversion, new business growth, underwriting quality, price segmentation, and claims trends
- P&L responsibility for our new lines of business and/or states
- Filing and gaining approval of changes that require regulatory approval
- Aligning operational goals and measures across functions for financial planning and evaluation
- Defining product market fit and deeply understanding the needs, behaviors, and pain points of the target customer segments; translating customer insights into tangible product enhancements with strong cross-functional collaboration.
- Analyzing feedback and data to understand how coverage offerings are received by agents and customers, the ease of the application process, and the overall satisfaction with the insurance product
- Working closely with our technical teams to enhance user and agent experience for assigned states/products
- Communicating and planning state strategies with managers across all functional areas and leadership team
- Identifying ways to improve and automate internal processes to advance insurance product development
I’ve got the skills… but do I have the necessary ones?
- 8-10 years of insurance experience
- 5+ years of specific insurance product product experience (home and auto preferred)
- In-depth knowledge of insurance products, pricing, risk, and regulatory requirements
- Proven managerial skills with demonstrated success in developing, leading, and overseeing state P&Ls
- Strong ability to quickly grasp new concepts and technologies with well-rounded understanding of tools such as Excel, SQL, and Looker
- Exceptional written and verbal communication skills, as well as proven ability to foster and encourage teamwork and productive working relationships with stakeholders at all levels and across organizational lines
- Committed to maintaining ethical standards when dealing with data, our customers, and internal employees
- Outstanding project management and time management skills with a proven ability to maintain composure and flexibility in thriving fast paced situations
Bonus Points:
- Master’s degree, CPCU, or Actuarial Designations a Plus
- Ratemaking experience
- Experience building and/or managing products for key western states
- Underwriting and loss mitigation experience with a focus in geographies prone to severe convective storms and/or wildfires
- Strong market analysis and competitive intelligence skills with the ability to acquire, extract, and analyze competitive data from multiple sources
- Insurtech experience
Oh, and don’t worry, we’ve got you covered!
- Medical, Dental, Vision, Disability and Life Insurance
- Flexible PTO policy
- Remote work
- Generous equity package
- 401K with company match
- Parental leave
- Continuing education and professional development
- The excitement of joining a high-growth Insurtech company and seeing your work make an impact
About Kin
Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.
EEOC Statement
Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
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