Ethos Life
Ethos helps make getting life insurance faster and easier with an online application and cutting-edge data science.
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Product Performance Actuary (Remote)

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About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes!

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families!

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes!

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, and Robert Downey Jr. We are listed in Forbes’ Top 50 Fintechs of 2020. And for exciting news about our growth check out Life-Insurance Startup Ethos Valued at More Than $2.7 Billion. We are scaling quickly and looking for passionate people to protect the next million families!

What We're Looking For

Ethos is looking for an experienced actuary to join our team. You will be partnering closely with our actuarial, underwriting and product teams to identify opportunities to fine-tune and innovate our product, underwriting and pricing solutions.  You will also work with other teams to identify and pursue new product and distribution opportunities.  You will assist in identification of ideal industry partners and push them to accelerate the evolution of our product mix and risk practices to enable optimal customer experience.  

We are looking for someone who is excited by the prospect of doing the impossible and scaling a new insurance model at extraordinary speed. The right candidate will have expertise in life insurance products, underwriting and pricing; experience working with varied stakeholders internally and externally; and be able to think differently to create value and capitalize on unrealized opportunities in the market. This is a unique opportunity to drive the offerings for a brand that is quickly gaining a lot of national and global attention.

If this sounds like a match for you and what you are up to, please apply. We'd love to hear from you!

About You:

  • Are self-motivated and persistent to seek answers in a fast-paced startup environment
  • Have a bias for action and are comfortable managing internal and external relationships to achieve the same
  • Have excellent written and oral communication skills, including understanding stakeholder needs and communicating credibly and effectively to your audience
  • Are detail-oriented and have strong mathematical foundations

Duties and Responsibilities:

  • Lead the development and monitoring of actuarial assumptions and performance metrics
    • Perform lapse and mortality experience studies at a granular, multivariate level
    • Develop leading edge actuarial, data science and automation techniques to speed analysis and enhance understanding
    • Determine actuarial assumptions for the ASC606 balance sheet and determine methods to supply additional granularity for other use cases as appropriate
    • Partner with stakeholders to deploy actuarial assumptions for use in financial projections, marketing optimization, and inforce management
    • Collaborate with Data Engineering and Data Analytics teams to achieve actuarial data objectives
    • Document assumption development to meet auditor and actuarial standards
  • Continuously innovate in risk selection and pricing
    • Identify opportunities to reduce lapses and forecast the impact of potential sales funnel and administrative changes
    • Identify opportunities to achieve mortality objectives within and across products
    • Lead the calculation of mortality misclassification metrics ensuring a strong traceability to the sales funnel, fraud monitoring and underwriting data
    • Evaluate new and alternative sources of underwriting data that improve the customer journey, provide competitive risk pricing and increase the value of new business for the enterprise
    • Provide actuarial / data science underwriting insights to support the continuous improvement of underwriting guidelines and the customer journey
    • Deliver proprietary predictive analytics and other statistical techniques to augment traditional underwriting partnering with data science and vendors
    • Create tailored risk selection approaches for different markets
  • Increase availability, usability and scale of risk data
    • Champion rich and model ready data capture within Ethos
    • Source third party and industry data sets that can be used for direct and inferential analysis
  • Maintain leading knowledge on industry mortality and underwriting trends
  • Support other research for the Insurance department as needed

Skills & Background:

  • BS/BA in Mathematics, Statistics, or similar quantitative field
  • FSA or rising ASA with advanced statistical degree 
  • Expertise in SQL, R and data visualization tools
  • Deep understanding of life insurance products, underwriting and pricing
  • Demonstrated research capabilities coupled with effective documentation
  • Excellent written and oral communication and data visualization skills, including understanding stakeholder needs and communicating effectively to your audience

Everyone is welcome at Ethos. We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

#LI-Remote

#LI-AG1

Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
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    • JavascriptLanguages
    • PythonLanguages
    • SqlLanguages
    • TypeScriptLanguages
    • TypeScriptLanguages
    • jQueryLibraries
    • ReactLibraries
    • Node.jsFrameworks
    • HiveDatabases
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    • InVisionDesign
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    • AsanaManagement
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What are Ethos Life Perks + Benefits

Ethos Life Benefits Overview

We have 100% paid premiums for medical, dental, & vision. We offer a WFH stipend, send all Ethosaurs their desk set-up (laptop, keyboard, mouse, etc.). We have subscriptions with Ginger, Headspace, Aaptiv, and more!

Culture
Volunteer in local community
Friends outside of work
Eat lunch together
Intracompany committees
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Open office floor plan
Diversity
Unconscious bias training
Diversity Employee Resource Groups
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Pet Insurance
Wellness Programs
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
Company Equity
Match charitable contributions
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Remote Work Program
Family Medical Leave
Company sponsored family events
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Volunteer Time
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Free Daily Meals
Stocked Kitchen
Happy Hours
Pet Friendly
Recreational Clubs
Fitness Subsidies
Home Office Stipend for Remote Employees
Professional Development Benefits
Job Training & Conferences
Diversity Program
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Customized development tracks

An Insider's view of Ethos Life

What are some social events your company does?

Since we are working virtually, we have very competitive Trivia Nights, we play Mafia, Jackbox.tv, and Codenames! We also host Master Classes where we've learned how to make the most delicious pastas, Indian dishes, & sweets! We were even able to create a fun virtual holiday party!

Kristin Schoen

People & Culture Coordinator

What projects are you most excited about?

We are looking to grow our team exponentially! Ethos was founded in 2016, and since then we have grown our company in all aspects: People, Engineering, Design, Product, Marketing, Sales, Customer Experience, the list goes on!

Joy Archer

Senior People Projects Associate

How does the company support your career growth?

We have performance reviews every 6 months. That's right, every 6 months! This allows us to be more in tune of each individual's performance, their goals, their accomplishments, and where they want to continue to grow. We have a high promotion rate and allow each Ethosaur to choose their path.

Rasheedah Najieb

Customer Experience Associate

What is your vision for the company?

Millions of people need life insurance but don’t have it because they may feel it’s too complicated, time-consuming, and expensive. We’re here to change that by building a product that truly puts people first. Why? So millions of people can protect their families with access to simple, affordable life insurance.

David Zhang

Chief Strategy Officer

What projects are you most excited about?

For me, I have always been passionate about building stuff from the ground up and thinking through complex problems; figuring out all the edge cases. I get excited to see the work I do and design come to life flawlessly — it just gives me happiness (insert success kid meme!).

Varad Tupe

Software Engineer

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