Financial Analyst

Kin is on a mission to change home insurance from what it is to what it should be. Whether we’re leveraging data to create customizable coverage or providing claims service that goes above and beyond expectations, our members are at the heart of everything we do. In the face of ever-growing climate risk, they deserve an insurance company that cares about them. We aim to stick with our members through thick and thin.

Use efficient technology that lets homeowners buy directly from us to keep costs down: This is the essence of Kin. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2024).

• Forbes' America's Best Startup Employers (2021- 2023).

• Inc. 5000 Fastest-Growing Private Companies.

• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

So, what’s the role?

The Growth Finance team is uniquely positioned within Kin to serve as a strategic decision making partner to various teams (Operations, Marketing, Insurance, etc.) throughout the company on growth and  profitability while also owning the build out of Kin’s annual operating plan and ongoing reporting and analysis around performance. 

The Financial Analyst is a highly visible position on the Growth Finance team, delivering impactful analysis in a dynamic, rewarding, start-up environment. 

You will have the opportunity to support the building and maintenance of key financial modeling, reporting, and presentation of Kin’s insurance product. You will partner cross-functionally with product, insurance, and claims teams to better predict retention, loss ratio, and rate impacts across different products and geographies. Additionally, you’ll support the Growth Finance team’s work on other high-impact projects like Key Performance Indicator development and reporting and building annual/quarterly operating plans. This role offers a unique opportunity to own and improve key processes within the Growth Finance team, while partnering closely with key leadership and executive stakeholders and developing a deep understanding of Kin’s business & product environment.

The ideal candidate is data-focused, intellectually curious, growth-minded, and has exceptional relationship-building, communication, and process improvement skills. They have a strong background in financial analysis and modeling, with either experience in the insurance industry not required but recommended.

A day in the life could include: 

• Enhancing and optimizing Kin’s retention modeling for current and future products and geographies

• Analyzing subsets or cohorts of data to determine trends that help improve retention forecast accuracy

• Build dashboards and other reports using Looker (BI tool) that help provide real-time results and feedback to executive leadership regarding customer retention

• Partnering with the Insurance team to learn and forecast new products or rate changes

• Supporting the build of loss ratio forecasting in partnership with the insurance team 

I’ve got the skills… but do I have the necessary ones?

• 1-2 years of work experience in Finance or related function/role within consulting, banking, or a growing technology-enabled business

• Four year degree, with concentration in Finance, Economics, or similarly analytical area

• Experience within the P&C insurance industry is preferred, but not required

• Advanced proficiency in Microsoft Excel for financial modeling & data analysis

• Experience writing SQL to aggregate, transform, and cleanse large datasets

• Experience using Looker (or similar business intelligence and data visualization tool) to monitor & analyze business performance

• Highly motivated and curious self-starter, independent thinker, and team player

• Creative problem-solver with strong quantitative skills that can spot patterns, trends, and opportunities in data and proactively seek process improvement opportunities

• Concise & confident communicator comfortable presenting & partnering with senior leadership on a consistent basis

Oh, and don’t worry, we’ve got you covered! 

• Medical, Dental, Vision, Disability and Life Insurance

• Flexible PTO policy 

• Remote work

• Generous equity package

• 401K with company match

• Parental leave

• Continuing education and professional development

• The excitement of joining a high-growth Insurtech company and seeing your work make an impact

About Kin

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.

EEOC Statement

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.