Role SummaryWe're looking for an
InsuranceProduct Analyst to support the Insurance Product team, collaborating across product managers, actuarial, underwriting, engineering, and compliance.
This role sits at the
intersection of product analytics, underwriting logic, state expansion, and implementation execution. You will help turn product strategy into clear analysis, documentation, and operationally ready changes. You'll work across Product, Actuarial, Underwriting, and Engineering to ensure product decisions are data-driven, well-documented, accurately implemented, and measured after launch.
This is a hands-on role for someone who is analytical, structured, proactive, and comfortable operating in a fast-moving startup environment.
What You'll DoSupport Product Performance & Insights- Analyze product and segment performance across metrics, such as mix of business, bind ratio, loss ratio, underwriting funnel, retention, and segmentation
- Build dashboards, reporting, and recurring management insights, connecting business decisions to measurable business outcomes
- Identify trends, issues, and opportunities that inform product, pricing, and underwriting decisions
- Recommend product changes, including risk selection or underwriting operational efficiencies
- Ensure reporting logic, definitions, and data sources are clearly documented
Support Insurance Product Implementation and Execution- Develop and maintain a strong understanding of product configuration, rating logic, underwriting rules, and workflows
- Translate product decisions and analysis into clear requirements, documentation, and implementation plans
- Partner with Engineering to implement product, rate, and rule changes accurately
- Ensure high-quality execution through QA, validation, and anticipation of downstream impacts across underwriting, actuarial, and operations
- Assist with rate, rule, and form filings, partnering with compliance and internal stakeholders as needed
Support Product and State Expansion- Prepare state-specific analyses for new market launches, including coverages, eligibility rules, and CAT exposure considerations
- Analyze and document key state differences to support product and actuarial decision-making
- Support impact analysis for product changes, including rule, rate, eligibility, and coverage updates
- Partner with Product and Actuarial on pre-launch estimates and post-launch measurement
Generate Market and Competitor Intelligence- Research competitor pricing, coverages, deductibles, and underwriting approaches
- Summarize market insights to support product strategy and roadmap decisions
- Identify product gaps, opportunities, and risks across target states
What You BringRequired Experience and Skills- 3+ years in product analysis, insurance analytics, underwriting analytics, actuarial support, or a similar role in P&C insurance
- Strong analytical and quantitative skills
- Ability to turn analysis into actionable recommendations
- Strong Excel skills; familiarity with SQL, Python, or BI tools preferred
- Excellent written and verbal communication
- Strong documentation discipline and attention to detail
- Ability to work effectively across functions in a fast-paced environment
Experience That Gives You an Edge- Experience in homeowners, property, or CAT-exposed insurance
- Exposure to underwriting rules, risk segmentation, or pricing analytics
- Experience supporting product changes or state launches
- Familiarity with E&S markets and wildfire-related risk dynamics
- Experience building dashboards and management reporting
- Exposure to competitor analysis, coverage comparison, or third-party data inputs
How You Operate- You think analytically and structurally
- You create clarity through documentation and excellent communication skills
- You produce insights, not just data
- You identify risks and issues early
- You take ownership and drive work forward
- You operate well in ambiguity and shifting priorities
Compensation:The annual base salary range for full-time employees in this position is $85,000 to $145,000 + meaningful Equity Grant.
Compensation decisions are dependent on several factors including, but not limited to, an individual's qualifications, location where the role is to be performed, internal equity, and alignment with market data.
Benefits:- Above-market Health, Dental, and Vision coverage
- Weekly lunch stipend
- Flexible time off + holidays
- 401(k) plan
- Commuter benefits
- Short-Term and Long-Term Disability
- Monthly team gatherings
- In-office perks
Work AuthorizationCandidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We can consider candidates on TN visas, O-1A visas, or H-1B transfers with three years or more remaining.
