Actuarial Associate, Car

Remote, United States | Actuarial | Full-time

Not your everyday company

Lemonade completely reinvented how insurance works. As a customer-centric tech company, we created an insurance experience that is smart, instant, and delightful.

At Lemonade, you’ll be working with a group of like-minded makers, who get a kick out of moving fast and delivering great products. We surround ourselves with some of the smartest, most motivated, creative people who are filled with positive energy and good karma.

Unlike most publicly traded companies, we’re nimble and efficient. We take pride in the fact that we still think and operate like a startup. We don’t care much about titles and hierarchy and instead focus on innovation, bold moves, and challenging the status quo.

We’re built as a lean, data-driven organization that relies on a common understanding of objectives and goals to provide teams with autonomy and ownership. We don’t like spending our days in meetings and we skip committees altogether. At Lemonade, there’s no such thing as going over someone’s head. We have zero tolerance for bureaucracy, office politics, and lean-back personalities.

As a Public Benefit Corporation and a certified B-Corp, we deliver environmental and social impact using our products and tech. Through our Giveback program, we partner with organizations such as the ACLU, New Story, The Humane Society, Malala Fund, American Red Cross, 360.org, charity: water, and dozens of others, and have donated millions towards reforestation, education, animal rights, LGBTQ+ causes, access to water, and more.

Awarded 'best workplace'

Best Workplace and Best-Led Company by Inc.

Magazine

"World Changing" by Fast Company

Recognized as a World Changing Idea by Fast Company Magazine

Ranked #1 Home insurance in America

Won best renters and homeowners insurance in America by US News, andothers

Best Pet Insurance in America

Rated "Best Overall Pet Insurance" by Better Homes &Gardens

Rated 4.9 on the App Store

Among the highest rated apps of alltime

What you're applying for

We're looking for an Actuarial Associate to join our team and help push car insurance into the future. You'll bring actuarial discipline to some of the most complex questions in the business — from distribution to underwriting, claims, and beyond — while using competitive data and data science to make sure our pricing is fair, accurate, and built for scale.

We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work.

Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools.

Own and develop expertise on our car rating plans and rate indications

Contribute to predictive modeling projects in close partnership with the Data Science team

Craft rate filing support for new machine learning models

Identify pricing and underwriting opportunities based on ongoing monitoring of results

Build a knowledge base of competitor rating strategies and the broader competitive landscape

Partner cross-functionally with Underwriting, Product, Claims, and BI to drive alignment and action

Advance your actuarial credentials through recognized qualifications and industry research, bringing those learnings directly into your work

4+ years of P&C actuarial experience, preferably in personal lines pricing

5 CAS exams, preferred

Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related field

Working knowledge of data science programming languages like R or Python, and proficiency in SQL

Familiarity with predictive modeling concepts, including GLMs, decision trees, gradient boosting machines, random forests, and clustering

A genuine sensitivity to model transparency and ethics

Excitement about learning and growing alongside AI — this isn't optional, it's how we work

Ability to work in a remote environment

We are unable to sponsor applicants for work…