Director, State Management

Kin Insurance, Inc.

Job Overview

Location

Remote (United States)

Job Type

Full-time

Full Job Description

📋 Description

• Own end-to-end P&L for Kin’s eastern region, driving rate strategy, loss ratio targets, and expense management to deliver sustainable profitability
• Lead, develop, and set clear performance expectations for a team of two state managers, ensuring consistent, high-quality execution across the region
• Define and continuously refine pricing strategies and risk frameworks for eastern states, translating complex data into actionable decisions that strengthen competitive positioning
• Present pricing and risk insights to executive leadership and regulatory bodies, clearly articulating trade-offs and strategic recommendations with confidence
• Build and maintain regional dashboards and risk KPIs that give leadership real-time visibility into portfolio performance
• Own regulatory modeling and compliance strategy for the eastern region, proactively navigating evolving requirements to protect market access
• Apply AI and data tools to surface emerging risk patterns, improve pricing accuracy, and sharpen the team’s analytical output
• Drive a continuous state optimization discipline across the eastern region — treating profitability, growth, and competitive positioning as always-in-progress workstreams rather than periodic initiatives
• Lead cross-functional problem solving on complex regional challenges, bringing together pricing, actuarial, product, and operations to drive aligned outcomes
• Operate in a fast-moving, evolving environment where priorities shift and adaptability is as important as technical depth
• Develop direct reports and build a team culture rooted in accountability, curiosity, and continuous improvement
• Translate complex regulatory requirements into actionable strategy while maintaining compliance and protecting market access in high-risk states
• Use data and AI tools to enhance analytical workflows, identify risk patterns, and inform pricing decisions without needing to build models
• Communicate strategic trade-offs to executive leadership and external stakeholders with clarity, confidence, and influence
• Maintain alignment across teams and stakeholders on a clear, well-understood pricing and risk roadmap for the eastern region
• Ensure state managers operate with greater clarity, accountability, and independence, reducing escalations and increasing market-driven results
• Enable executive leadership to rely on eastern region data and insights to inform high-stakes business decisions with confidence
• Ensure regulatory interactions in eastern states are proactive, well-supported, and non-reactive, reducing risk and strengthening Kin’s standing in key markets

🎯 Requirements

• 10+ years of pricing, risk, actuarial, or advanced analytics experience, with at least 7 years carrying direct P&L or regional business ownership
• Proven track record leading a pricing, risk, or analytics function with full accountability for strategy, team performance, and business outcomes
• Experience managing state- or regional-level budgets and headcount, with a demonstrated ability to hit financial targets
• Deep expertise building and interpreting executive dashboards, risk KPIs, and performance reporting that inform real decisions — not just reporting
• Demonstrated ability to navigate complex, multi-state regulatory environments and translate compliance requirements into actionable strategy
• Comfort using AI and data tools to enhance analytical workflows, identify risk patterns, and inform pricing decisions

🏖️ Benefits

• Competitive salary and company equity through Restricted Stock Units (RSUs)
• 401(k) with company match up to 4% of eligible earnings
• Multiple medical plan options, plus dental and vision coverage
• Company-funded HSA contributions (based on medical plan selection)
• Company-paid life insurance and short-term disability
• Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays
• Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents
• Professional development budgets for certifications, conferences, and learning available, subject to management approval
• Access to mental health support and confidential counseling resources
• Supplemental benefit options including long-term disability, critical illness, accident, legal, and pet insurance

Skills & Technologies

REST

Remote

Ready to Apply?

Apply Externally

You will be redirected to an external site to apply.

AI Job Fit Analysis

Pro

See exactly how your profile matches this role — strengths, skill gaps, and what to do about them.

Kin Insurance, Inc.

Visit Website

About Kin Insurance, Inc.

Kin Insurance is a direct-to-consumer home insurance technology company that uses data and analytics to offer affordable coverage to homeowners in catastrophe-prone regions. Licensed in multiple states, it provides policies underwritten by partner carriers and its own risk-bearing entity, focusing on wind, hail, hurricane and wildfire exposures. Customers purchase, manage and file claims entirely online or via mobile app, reducing administrative overhead and allowing rapid pricing and binding. Headquartered in Chicago, the company also operates a Florida-domiciled carrier, Kin Interinsurance Network, to retain risk and maintain rate and form control.

View Company Profile

Get more remote jobs like this

Subscribe to the weekly newsletter for similar remote roles and curated hiring updates.

Weekly remote jobs and featured talent.

No spam. Only curated remote roles and product updates. You can unsubscribe anytime.