Director, State Management

Quick Summary

Own Kin’s eastern region pricing strategy, lead a team of state managers, and drive the data and risk decisions that keep our portfolio growing profitably.

Who We Are

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.

Using data, technology, and thoughtful human support, we’re building products that are clear, fair, and help homeowners feel confident — so homeowners aren’t left behind when they need help most.

Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 14 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including:

Built In Chicago’s Best Places to Work, Midsize Companies (2021-2026)

Forbes’ America’s Best Startup Employers (2026)

Inc. 5000 Fastest-Growing Private Companies

Forbes’ Fintech 50 (2023-2026)

Great Places to Work Certified (2024-2026)

Most importantly, we’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We’re excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building, visit kin.com and see how we work .

The Opportunity

We’re looking for a Pricing & Risk Director to own the strategic direction of Kin’s eastern region — leading a team of state managers and setting the pricing and risk frameworks that drive sustainable, profitable growth across our most complex markets.

This role exists at a pivotal moment. As Kin continues to expand into new states and deepen its presence in high-risk markets, we need a director who can move with speed and precision — someone who brings both the analytical depth to make smart pricing decisions and the leadership presence to align teams, influence executives, and navigate a demanding regulatory environment. You’ll need the ability to synthesize ambiguous, multi-variable situations into clear strategic direction — not just execute established frameworks but build new ones as conditions evolve. If you’re energized by high-stakes problems, thrive in data-rich environments, and want to build something that actually matters for homeowners, this is the role for you.

Your Responsibilities

Own end-to-end P&L for the 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

Success in This Role

In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve.

By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.

The eastern region has a clear, well-understood pricing and risk roadmap that the team and executive stakeholders are aligned on and actively executing against

State managers are operating with greater clarity, accountability, and independence — spending less time on escalations and more time driving results in their markets

Executive leadership is relying on eastern region data and insights to inform high-stakes business decisions with confidence

Regulatory interactions in eastern states are proactive, well-supported, and no longer reactive — reducing risk and strengthening Kin’s standing in key markets

What You’ll Bring

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 — you don’t need to build the models, but you know how to use what’s in front of you

Strong presence with executive leadership and external stakeholders — you can translate complex trade-offs into clear, confident narratives

Demonstrated ability to triage competing priorities across a complex portfolio, making clear calls on where to focus team resources for maximum impact

Comfortable operating in a fast-moving, evolving environment where priorities shift and the ability to adapt quickly is as important as technical depth

Track record of developing direct reports and building a team culture rooted in accountability, curiosity, and continuous improvement

How We Hire

We believe a great hiring experience should be clear, respectful, and human. We will accept applications for this position until August 17th, 2025. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.

The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:

Prompt updates and feedback following interviews

Interviews with recruiters, hiring managers, and members of teams

Skills assessment relevant to the position, if applicable

Genuine, thoughtful human interaction at every step

How We Support You

We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Core Benefits

Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level

401(k) with company match up to 4% of eligible earnings

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