We’re looking for a driven Actuarial Leader who is ready to lead a talented team while building the most innovative car insurance on the market! This role is critical as we accelerate our product's growth across new states and expand our analytical capabilities with cutting-edge machine learning.
You’ll be spearheading the development and implementation of advanced pricing models for our car product, managing rate levels, and bringing actuarial discipline to all facets of Lemonade—from distribution and underwriting to claims, compliance, and finance. You will leverage competitive data and data science to optimize our customers’ experiences and ensure fairness and accuracy in pricing.
We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work.
Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools.
In this role you’ll
Own state rating plans and rate indications for Lemonade
Lead the development and integration of predictive modeling projects while working closely with the Data Science team
Develop the rates and pricing strategy for product expansions into new states
Assist in the design and development of internal pricing tools for advanced analytics and support real-time decision making and scalable growth
Craft rate filing support for new machine learning models
Recommend pricing and underwriting actions based on ongoing monitoring of results
Build a knowledge base of competitor rating strategies and the overall competitive landscape
Manage and develop a team of high-performing Actuaries at various levels
What you'll need
6+ years of P&C actuarial experience; FCAS preferred
2+ years leading and managing a team
B.S. in Actuarial Science, Mathematics, Statistics, or a related field
Proficiency in data science programming languages such Python, and database query tools such as SQL
Proficient with predictive modeling concepts, including supervised and unsupervised machine learning approaches such as GLMs, decision trees, gradient boosting machines, random forests, and clustering.
Prior personal lines pricing experience is a definite plus
Ability to work and manage in a remote environment
Enthusiasm about learning and adapting to the exciting world of AI – a commitment to exploring this field is a fundamental part of our culture
*Please note that we are unable to sponsor applicants for work visas
Unfortunately, we cannot consider applicants from these states; Colorado, California, Montana, Hawaii, New Mexico and Puerto Rico.
Lemonade's US base salary range for this full-time position is $150,000 - $170,000 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave. Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package.
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Skills Required
- 6+ years of P&C actuarial experience
- 2+ years leading and managing a team
- Bachelor of Science in Actuarial Science, Mathematics, Statistics, or a related field
- Proficiency in Python and database query tools such as SQL
- Proficiency with predictive modeling concepts, including supervised and unsupervised machine learning approaches
- Experience with GLMs, decision trees, gradient boosting machines, random forests, and clustering
- Ability to work and manage in a remote environment
- Enthusiasm for learning and adapting to AI
- FCAS designation
- Personal lines pricing experience
Lemonade Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Lemonade and has not been reviewed or approved by Lemonade.
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Healthcare Strength — Cigna-administered medical plans provide multiple options (EPO/OAP/OAPIN/HDHP) alongside dental, vision, prescription coverage, disability, and life/AD&D. 2026 plan materials and state notices indicate broad essential health benefits with mainstream networks.
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Retirement Support — A tiered 401(k) match structure is documented, offering meaningful employer contributions when employees save. This complements equity grants/RSUs that are commonly included in total rewards.
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Leave & Time Off Breadth — Employee-reported baselines around defined PTO and company holidays, plus flexible sick time, position time off as a strength. Parental leave is frequently described as generous for the U.S. context, though candidates should confirm current specifics.
Lemonade Insights
What We Do
Our mission is simple: Create the world’s most loved insurance through technology and social impact. As a certified Public Benefit Corporation and B-Corp, Lemonade is constantly challenging how the insurance industry does business. We’re creating an experience that is fast, affordable, and hassle-free across renters, homeowners, pet, life and car insurance. And through our annual Giveback program, in which leftover premiums are donated to charities our customers choose, we’ve donated nearly $5 million to a variety of organizations in need.
Why Work With Us
We’ve set out to make insurance loveable, fast, simple, and socially impactful - words that aren’t often associated with this industry. We’re a Certified B-corp, the only US insurance company to never invest in polluting industries, and our annual Giveback program has donated nearly $5 million globally to nonprofits in need.
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