Risk Analyst at Hippo Insurance

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Location: Palo Alto, CA 

Reporting to: Manager, Actuarial & Risk

Title: Risk Analyst

Hippo is modernizing home insurance by putting customers at the center of everything we do. Using innovative technology and a data-driven approach, we strive to provide homeowners with the best policies, best value, and best customer service in the industry. And as if that isn’t enough, it’s really just the beginning. Hippo’s true ambition lies in helping prevent people from experiencing problems with their homes to begin with. Because, at the end of the day, the best home insurance policy is the one you never have to use.

*P&C Insurance Experience is a must

About You:

You are creative, self-motivated, and eager to build solutions in a fast-paced startup environment. You have a strong understanding of the techniques utilized in the P&C insurance industry - and are eager to innovate on them. You have exposure to actuarial concepts and are curious about how to manage the risk of a diverse, growing property portfolio. You’re able to identify and balance solving the long-term vs. short-term goals of the company by leveraging data-driven results. You are a highly effective communicator and have the ability to define processes that are modern and robust. 

Responsibilities:

  • Understand the complexities of a fast growing, countrywide property insurance book of business, with various sources of risk capital. 
  • Optimize profitability of the overall book through individual risk segmentation, leveraging methods such as GLMs and predictive modeling 
  • Develop a comprehensive framework to review and diagnose frequency, severity, and loss cost trends both at a countrywide and state level.
  • Collaborate closely with the data science team to create advanced predictive analytical solutions to actuarial and loss related problems.
  • Evaluate concentration risk and understand business decisions using metrics such as cost of capital and risk diversification
  • Work proactively and independently across functions to drive communication and education around loss ratio performance, risk-based targets, capital efficiency, and strategy
  • Demonstrated project and/or people management and ability to deliver under tight timelines

Required Qualifications:

  • Minimum 3 years of professional experience in the Homeowners line of business.
  • Actuarial experience is a plus
  • Expertise on actuarial and insurance concepts such as trends, indications, loss cost modeling, reserving and other key metrics.
  • Strong research, statistical, analytical, and mathematical skills with ability to conduct analysis on limited and/or unstructured data.
  • Professional experience using SQL or closely related database manipulation language
  • Professional experience using R, Python, or closely related programming language
  • Self-motivated and directed; ability to collaborate is a must, but you will be autonomous and expected to succeed without heavy direction
  • Strong intellectual curiosity and a desire to understand the business

Compensation and Perks

  • Healthy Hippos Benefits- 100% Employer paid medical, dental & vision plan options for our team members AND their families (yes, you read that correctly). As well as 401K, long & short term disability, EAP and flexible spending accounts.
  • Flexible Paid Time Off- Uncapped PTO (with manager approval)
  • Hippo Habitat- Fun offices located in downtown Palo Alto, less than a 5 minute walk from Caltrain. We also offer commuter benefits including free parking pass. Stocked kitchen and BBQ Friday’s for all! 

Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.

Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation. Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known.



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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • JavascriptLanguages
    • PythonLanguages
    • SqlLanguages
    • ReactLibraries
    • Node.jsFrameworks
    • PostgreSQLDatabases
    • BigQueryDatabases
    • ConfluenceManagement
    • JIRAManagement
    • SalesforceCRM

An Insider's view of Hippo Insurance

What’s the vibe like in the office?

Hippo’s office vibe is diverse, fun filled & collaborative. Weekly BBQs, office lunches, movies & concerts let employees have fun, bond & collaborate. Leadership cares about employees & prioritizes work life balance, which are the keys to success. Enthusiastic coworkers who believe in teamwork to finish tasks, create positive environment in office

Manjula

QA Engineer

What projects are you most excited about?

Being a start-up in an established industry means we get to utilize all the proven techniques & methods & directly innovate on them. These are the most exciting projects, when we tackle similar problems in new ways with new tech. Even better when we work with other teams – each Hippo brings unique ideas from other industries that we can draw from!

Chin

Associate, Actuarial & Risk

How do you make yourself accessible to the rest of the team?

Whether it is a meeting, text or Slack I always make myself available to the team. I am committed to their success at Hippo and carve the time to empower and support their success. As a leader you have to provide a safe place to allow others to experiment, grow and innovate.

Anna

Vice President, People

What are Hippo Insurance Perks + Benefits

Hippo Insurance Benefits Overview

Hippo's benefit's and perks can't be beat, here are a few: -Healthy Hippos Benefits- 100% Employer paid medical, dental & vision plan options for our team members AND their families (yes, you read that correctly). -Flexible Paid Time Off -Little Hippos Program- We reimburse our team members up to $25k for adoption costs and up to $50k for -infertility treatments. Plus, we offer 12 weeks parental leave for primary caregivers and 6 weeks for secondary caregivers. -Hippo Meals & Snacks- We cater lunch in our office 4 times a week and we provide all the snacks & drinks our Hippos can handle daily. -Hippo Habitat- Our beautiful office located in downtown Palo Alto.

Culture
Volunteer in local community
Partners with Nonprofits
Eat lunch together
Open door policy
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Diversity
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity Employee Resource Groups
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Onsite Gym
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
Company Equity
Child Care & Parental Leave Benefits
Child Care Benefits
Generous Parental Leave
We provide up to 12 weeks of parental leave for the primary caretaker. We also provides 6 weeks of leave for the secondary caretaker.
Family Medical Leave
Adoption Assistance
We reimburse up to 25,000 for eligible adoption expenses and 12 weeks of paid leave.
Company sponsored family events
Vacation & Time Off Benefits
Unlimited Vacation Policy
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Stocked Kitchen
Some Meals Provided
Parking
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Cross functional training encouraged
Promote from within
Customized development tracks
Paid industry certifications

Additional Perks + Benefits

Hippo treats its team members with the same level of dedication and care as we do our customers. Our CEO, Assaf Wand, views this company as an opportunity to care for one another like a family, which is why we’re fortunate to provide all of our Hippos with amazing benefits & perks.

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