Actuary

Arbol is building an AI-enabled homeowners insurance platform focused on underserved coastal and catastrophe-exposed markets. We are looking for a talented actuary to lead pricing, reserving, reinsurance analytics, and portfolio analytics while working side-by-side with our AI and engineering teams to build the next generation of actuarial workflows.In this role, you will work primarily on homeowners’ insurance in coastal southern states, with opportunities to support expansion into new lines and territories. A major focus will be translating complex actuarial judgment, workflows, and analyses into scalable AI-enabled tools that improve speed, rigor, and decision-making across the business. The ideal candidate takes ownership, is fluent in the right tools required for the task (Excel, Python, Claude Code, etc.), and is excited to work at the intersection of actuarial science, insurance operations, and applied AI. 

What You'll Be Doing

Pricing & Rate Indications

• 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.

Reserving & Loss Analytics

• 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.

Portfolio Management & Performance Monitoring

• Build recurring dashboards to monitor portfolio performance and emerging trends

• Work with AIR and other catastrophe model output to assess exposure concentrations, catastrophe load, and risk-adjusted returns.

• Evaluate reinsurance program impacts and support related reporting and analytics.

• Support scenario analyses, including catastrophe load, trend, rate change, and mix sensitivities.

Actuarial Process Automation & AI Partnership

• 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.

Cross-Functional Support

• 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.

What You'll Need

• 5-8 years of P&C actuarial experience. ACAS/FCAS credential
• High ownership and self-starter mindset; able to drive work forward with limited structure.
• Strong proficiency in Excel and Python, with the ability to build clean, repeatable analyses.Strong analytical and problem-solving skills; able to communicate findings clearly to non-technical stakeholders.
• Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or related quantitative field

What's Great to Have

• Experience building repeatable analytics (dashboards, automated data pulls, version-controlled workflows).
• Homeowners experience incl: catastrophe exposure management, 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.
• Knowledge of policy/claims data structures and common insurance KPIs.

• 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