Pricing Actuary (P&C Personal Lines) | San Jose, CA, USA | Hybrid

Pricing Actuary (P&C - Personal Lines)

Location:

San Francisco Bay Area, CA / Austin, TX / Dallas, TX / Morristown, NJ (Hybrid) Relocation Support Available- This role is open to candidates willing to relocate to one of the listed hub locations. Relocation assistance is available to support a smooth transition. Company Overview Our client is a modern, technology‑driven insurance organization focused on reimagining the homeowners insurance experience. The company combines data, analytics, and intuitive digital tools to deliver tailored coverage solutions and proactive protection across the homeowner lifecycle. Backed by strong leadership and continued investment, the organization is scaling rapidly and expanding its product offerings across multiple personal lines. About the Role We are seeking an experienced Pricing Actuary to support pricing strategy and product analytics for a dynamic and evolving book of business. This individual will play a key role in scaling actuarial capabilities, developing pricing tools, and driving data‑informed decisions. You'll join a small, high‑impact pricing team with regular exposure to senior leadership and cross‑functional partners. This role is well‑suited for an actuary who enjoys applying foundational actuarial principles in innovative, forward‑looking ways within a fast‑paced environment. What You'll Do

• Lead end‑to‑end analysis and execution of state‑level rate changes and new program launches
• Partner closely with Underwriting and Product Management to influence decisions related to profitability and growth
• Perform actuarial indications and profitability studies to assess rate adequacy and identify opportunities
• Support loss cost model selection, calibration, scoring, and reporting
• Build and maintain raters and rate proposals using Python
• Enhance and expand the actuarial pricing toolkit and internal analytics tools
• Collaborate with stakeholders across underwriting, legal, finance, risk, reinsurance, and distribution to translate analytics into actionable outcomes Required Qualifications
• 5+ years of actuarial pricing experience in Homeowners or related P&C personal lines
• FCAS or ACAS designation
• Strong grounding in actuarial and insurance concepts including loss cost trends, rate indications, modeling, and reserving
• Professional experience using Python and SQL (or similar languages) for data analysis and manipulation
• Experience leveraging predictive model outputs in pricing decisions
• Strong business acumen with the ability to connect analysis to financial and strategic impact
• Excellent communication and project management skills Preferred Qualifications
• Deep homeowners pricing experience, including predictive and catastrophe modeling
• Experience designing and launching new insurance programs and rating plans
• Comfort working with Python packages and object‑oriented code
• Experience with version control tools (e.g., Git)
• Awareness of industry trends in homeowners insurance and pricing ethics Compensation & Benefits The organization offers a competitive total rewards package, which may include:
• Relocation assistance for qualified candidates
• Comprehensive medical, dental, and vision coverage
• 401(k) with employer support
• Short‑ and long‑term disability and life insurance
• Equity participation
• Flexible time off
• Paid parental leave
• Ongoing training and internal career growth opportunities
• Onsite perks for hybrid employees