Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk.
Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss.
Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors,
Arbol brings scale, transparency, and efficiency to parametric coverage.
We’re seeking a talented Actuarial Analyst to support core actuarial work across rate indications and filings, reserving, reinsurance analytics/reporting, and portfolio management. You'll work primarily with homeowners policies across coastal states in the southern US, although we're rapidly expanding into new lines and territories as well. This role is ideal for someone who likes building clean analyses, is comfortable working with imperfect data, and is eager for real ownership.
What You'll Be Doing
Pricing & Rate Indications
- Support development of rate indications and pricing analyses (e.g., territory, deductible, and other rating factors).
- Assist with monitoring 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
- Assist in 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.
Reinsurance Analytics & Reporting
- 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.
Portfolio Management & Performance Monitoring
- 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).
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
- 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.
- Proficiency in Excel and Python
What's Great to Have
- 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.
Essential Job Functions & Physical Requirements
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
Interested, but you don’t meet every qualification? Please apply!
Arbol values the perspectives and experience of candidates with non-traditional backgrounds and we encourage you to apply even if you do not meet every requirement.
Accessibility
Arbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview, please contact hr@arbol.io
Benefits
Arbol is proud to offer its full-time employees competitive compensation and equity in a high-growth startup. Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge.
Equal Opportunity Employer
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.
Arbol participates in the E-Verify program to confirm employment eligibility. Originally posted on Himalayas