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This position was posted on January 1, 2026 and is likely no longer accepting applications. We've kept it here for historical reference. Check out the similar jobs below!
Job Overview
Location
San Francisco
Job Type
Full-time
Category
Data Science
Date Posted
January 1, 2026
Full Job Description
đź“‹ Description
- • Own the entire finance operations engine at Standinsurance—from daily cash-flow tracking to multi-year strategic forecasting—so every department has the real-time numbers they need to move fast and stay compliant.
- • Build and maintain a living, three-statement financial model that links premium growth, loss ratios, reinsurance costs, and operating burn to give the CEO and Board a single source of truth for capital planning and investor updates.
- • Lead monthly, quarterly, and annual closes across our captive insurer, reciprocal exchange, and corporate holding entities, ensuring US-GAAP and statutory accuracy while shaving days off each cycle through automation and clear process ownership.
- • Design and enforce expense-control workflows that turn every software subscription, vendor contract, and marketing campaign into a budgeted, approved, and auditable line item—driving a culture of capital discipline without slowing innovation.
- • Manage external audit, tax, and regulatory relationships, preparing flawless work-papers and statutory filings (NAIC, CA DOI, IRS, Delaware Franchise Tax) so reinsurers and rating agencies see a spotless record when they diligence Stand.
- • Partner with Underwriting, Product, and Engineering to translate loss-ratio trends, pricing experiments, and tech infrastructure costs into actionable P&L levers—helping teams decide which features to ship, which perils to underwrite, and where to reinsure.
- • Stand up scalable systems (QuickBooks, NetSuite, Adaptive, or similar) that can grow from Series B to IPO, including chart-of-accounts design, policy-level data feeds, and automated board-reporting dashboards that refresh nightly.
- • Own cash management and banking across multiple entities, optimizing sweep accounts, premium trust funds, and collateral postings so every dollar is either earning yield or backing risk—never sitting idle.
- • Build and mentor a lean, high-performing finance team—controller, FP&A analyst, and staff accountant—setting clear KPIs, career paths, and cross-training plans that future-proof the function as policy count scales 10×.
- • Translate complex insurance economics (ceding commissions, sliding-scale reinsurance, surplus notes) into concise narratives for investors, reinsurers, and regulators, ensuring Stand’s capital strategy is always backed by bulletproof numbers.
- • Drive annual budgeting and quarterly re-forecast cycles with zero-based rigor, forcing every team to justify spend against climate-impact and revenue milestones—turning finance into a strategic weapon rather than a back-office cost center.
- • Serve as the financial conscience of the company, stress-testing growth scenarios against regulatory capital requirements and rating-agency metrics so Stand can scale aggressively without ever risking solvency or reputation.
🎯 Requirements
- • 7+ years of progressive finance leadership inside an MGA, carrier, reciprocal, reinsurer, or high-growth insurtech with direct P&L ownership
- • Deep US-GAAP and statutory insurance accounting expertise (SAP, NAIC statements, Schedule F, and insurance tax nuances)
- • Proven track record building three-statement models, board packs, and investor decks that raised equity, debt, or reinsurance capacity
- • Hands-on experience with ERP and FP&A systems (NetSuite, Adaptive, Anaplan, or equivalent) and the ability to implement them from scratch
- • Controller-level rigor—can personally close the books, manage audits, and file regulatory returns—combined with strategic finance acumen
🏖️ Benefits
- • Competitive base salary of $175k–$225k plus meaningful equity in a pre-Series C climate-tech leader
- • Comprehensive above-market health, dental, and vision coverage for you and dependents
- • Flexible time-off policy and weekly lunch stipend to keep you fueled and balanced
- • 401(k) plan with immediate eligibility and company match to build long-term wealth
Skills & Technologies
About Stand Insurance Company
Stand Insurance Company is a digital-first insurer offering personal and small-business coverage. Its mobile app enables on-demand policies, instant claims, and flexible billing. Lines include renters, pet, event, and professional liability insurance, underwritten by admitted carriers. Data-driven pricing and AI chat support target millennials and freelancers seeking transparent, low-friction protection. Based in San Francisco and licensed in 50 states, the carrier operates on a managing general agency model, partnering with regulated reinsurers to maintain statutory capital. Founded in 2018, it has raised Series B funding and maintains an A.M. Best outlook of stable.
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