Actuarial Analyst

We're looking for a talented actuarial analyst to support core actuarial work across pricing, reserving, reinsurance analytics, and portfolio management. You'll work primarily on homeowners policies in coastal southern states, while supporting our growth into new lines and territories. A key part of this role is helping translate complex actuarial processes into scalable, automated workflows by partnering closely with our AI and engineering teams. The ideal candidate takes real ownership of their work, builds clean and rigorous analyses with sometimes imperfect data, and is comfortable working in Python as a core part of their toolkit.

 

 

-Develop rate indications and pricing analyses (e.g., territory, deductible, and other rating factors).

-Monitor rate adequacy, loss trends, inflation impacts, and emerging experience.

-Build and maintain pricing tools, exhibits, and documentation used for internal decisions and regulatory filings.

-Perform quarterly reserve analyses (e.g., triangles, ultimate loss selections, IBNR, diagnostics) for homeowners and related lines.

-Monitor loss emergence, claim severity/frequency trends, and CAT vs non-CAT performance.

-Partner with Claims and Finance to reconcile results, investigate drivers, and improve data quality.

-Support reinsurance reporting and analytics (e.g., ceded loss estimates, billing, treaty performance monitoring).

-Help evaluate reinsurance program impacts on earnings volatility, capital, and tail risk.

Actuarial Process Automation & AI Partnershi
-Learn Lilypad's actuarial processes end-to-end and identify opportunities for automation (e.g., gross-to-net loss calculations, reserve workflows).

-Serve as a bridge between the actuarial and AI/engineering teams, translating actuarial logic into requirements that can be built into automated tools.

-Write and maintain Python-based workflows to streamline recurring analyses; collaborate with the AI team on tool development.

-Build recurring dashboards and deep-dives on portfolio performance: loss ratio decomposition, retention, mix shift, underwriting actions, and segment performance.

-Support scenario analyses (e.g., catastrophe load sensitivity, trend sensitivity, rate change impacts).

-Collaborate with Underwriting, Claims, Finance, Data/Engineering, and Leadership on special projects (product changes, underwriting guidelines, new territories/segments, vendor evaluation, etc.).

-Contribute to process improvements, automation, and better controls/documentation.

 

 

-Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or related quantitative field
-1-4 years of P&C actuarial experience (homeowners preferred).Progress towards CAS credentials: at least 2 exams passed; more is a plus.
-Strong analytical and problem-solving skills; able to communicate findings clearly to non-technical stakeholders.

 

 

 

-Homeowners experience: catastrophe exposure, weather/CAT analytics, inflation/trend work, or rate filing support.

-Experience with reserving methods (e.g., chain ladder/BF/Cape Cod style approaches) and/or pricing indications.

-Familiarity with reinsurance structures (quota share, XoL, cat programs) and basic ceded reporting concepts.

-Experience building repeatable analytics (dashboards, automated data pulls, version-controlled workflows).

-Knowledge of policy/claims data structures and common insurance KPIs.

 

Candidates for this role must be located within the United States.

Ability to sit for extended periods of time while working at a computer, with or without reasonable accommodation

Ability to use a computer, keyboard, mouse, and standard office equipment (e.g., phone, printer, scanner)

Ability to view a computer screen for prolonged periods, with or without reasonable accommodation

Ability to communicate effectively in person, by phone, and via email

Ability to occasionally stand, walk, bend, and reach within an office environment

Ability to lift and/or move up to 10–15 pounds occasionally (e.g., office supplies, files), with or without reasonable accommodation

Ability to perform repetitive motions, such as typing or data entry

Ability to maintain focus and attention while performing detailed tasks

Arbol is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, veteran status, or any other legally protected status.