The Role
Support pricing, reserving, reinsurance analytics, and portfolio monitoring for homeowners lines. Build pricing tools, perform reserve analyses, produce ceded loss reporting, create dashboards, and collaborate cross-functionally to improve processes and data quality.
Summary Generated by Built In
Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.
We're looking for a talented actuarial analyst to support core actuarial work across pricing, reserving, reinsurance analytics, and portfolio management. You'll work primarily on homeowners policies in coastal southern states, while supporting our growth into new lines and territories. A key part of this role is helping translate complex actuarial processes into scalable, automated workflows by partnering closely with our AI and engineering teams. The ideal candidate takes real ownership of their work, builds clean and rigorous analyses with sometimes imperfect data, and is comfortable working in Python as a core part of their toolkit.
What You'll Be Doing
Pricing & Rate Indications
-Develop rate indications and pricing analyses (e.g., territory, deductible, and other rating factors).
-Monitor rate adequacy, loss trends, inflation impacts, and emerging experience.
-Build and maintain pricing tools, exhibits, and documentation used for internal decisions and regulatory filings.
Reserving & Loss Analytics
-Perform quarterly reserve analyses (e.g., triangles, ultimate loss selections, IBNR, diagnostics) for homeowners and related lines.
-Monitor loss emergence, claim severity/frequency trends, and CAT vs non-CAT performance.
-Partner with Claims and Finance to reconcile results, investigate drivers, and improve data quality.
Reinsurance Analytics & Reporting
-Support reinsurance reporting and analytics (e.g., ceded loss estimates, billing, treaty performance monitoring).
-Help evaluate reinsurance program impacts on earnings volatility, capital, and tail risk.
Actuarial Process Automation & AI Partnershi
-Learn Lilypad's actuarial processes end-to-end and identify opportunities for automation (e.g., gross-to-net loss calculations, reserve workflows).
-Learn Lilypad's actuarial processes end-to-end and identify opportunities for automation (e.g., gross-to-net loss calculations, reserve workflows).
-Serve as a bridge between the actuarial and AI/engineering teams, translating actuarial logic into requirements that can be built into automated tools.
-Write and maintain Python-based workflows to streamline recurring analyses; collaborate with the AI team on tool development.
Portfolio Management & Performance Monitoring
-Build recurring dashboards and deep-dives on portfolio performance: loss ratio decomposition, retention, mix shift, underwriting actions, and segment performance.
-Support scenario analyses (e.g., catastrophe load sensitivity, trend sensitivity, rate change impacts).
Cross-Functional Support
-Collaborate with Underwriting, Claims, Finance, Data/Engineering, and Leadership on special projects (product changes, underwriting guidelines, new territories/segments, vendor evaluation, etc.).
-Contribute to process improvements, automation, and better controls/documentation.
What You’ll Need
-Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or related quantitative field
-Strong analytical and problem-solving skills; able to communicate findings clearly to non-technical stakeholders.
-Proficiency in Python & Excel
-1-4 years of P&C actuarial experience (homeowners preferred).Progress towards CAS credentials: at least 2 exams passed; more is a plus.-Strong analytical and problem-solving skills; able to communicate findings clearly to non-technical stakeholders.
What's Great to Have
-Homeowners experience: catastrophe exposure, weather/CAT analytics, inflation/trend work, or rate filing support.
-Experience with reserving methods (e.g., chain ladder/BF/Cape Cod style approaches) and/or pricing indications.
-Familiarity with reinsurance structures (quota share, XoL, cat programs) and basic ceded reporting concepts.
-Experience building repeatable analytics (dashboards, automated data pulls, version-controlled workflows).
-Knowledge of policy/claims data structures and common insurance KPIs.
Candidates for this role must be located within the United States.
Essential Job Functions & Physical Requirements
Ability to sit for extended periods of time while working at a computer, with or without reasonable accommodation
Ability to use a computer, keyboard, mouse, and standard office equipment (e.g., phone, printer, scanner)
Ability to view a computer screen for prolonged periods, with or without reasonable accommodation
Ability to communicate effectively in person, by phone, and via email
Ability to occasionally stand, walk, bend, and reach within an office environment
Ability to lift and/or move up to 10–15 pounds occasionally (e.g., office supplies, files), with or without reasonable accommodation
Ability to perform repetitive motions, such as typing or data entry
Ability to maintain focus and attention while performing detailed tasks
Interested, but you don’t meet every qualification? Please apply!
Arbol values the perspectives and experience of candidates with non-traditional backgrounds and we encourage you to apply even if you do not meet every requirement.
Accessibility
Arbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview, please contact [email protected]
Benefits
Arbol is proud to offer its full-time employees competitive compensation and equity in a high-growth startup. Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge.
Equal Opportunity Employer
Arbol is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, veteran status, or any other legally protected status.
Arbol participates in the E-Verify program to confirm employment eligibility.
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The Company
What We Do
Arbol is an InsurTech platform for parametric protection products covering external risks such as unexpected weather. Arbol's proprietary pricing platform, powered by machine learning and an AI underwriter enables customers to customize a coverage program and get a quote with just a few easy clicks. Arbol uses tamper-proof climate data and blockchain technology to bring transparency and efficiency to the weather risk market. When the selected triggers in a contract are met (ex. a certain amount of rainfall), Arbol's smart contracts execute automatically and trigger a rapid payout. No disputes, delays, or extra paperwork. Arbol currently serves individuals and businesses in the agriculture, energy, maritime, and hospitality industries. Arbol also offers custom climate risk solutions for businesses large and small in various sectors.
