Southeast State Manager at Kin

Job description

Quick Summary Own state-level P&Ls and shape competitive, compliant home and auto products — driving pricing, underwriting strategy, and profitable growth across markets. 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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest.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 13 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 (2021-2024) -Inc. 5000 Fastest-Growing Private Companies -Forbes’ Fintech 50 -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 strategic and results-driven Pricing & Risk Manager to drive profitable growth across new and existing markets. This role exists to ensure our state-specific homeowners products are competitively priced, operationally sound, and aligned with our financial and risk goals. You’ll own the full product lifecycle — from market research and rate analysis to regulatory filings and go-to-market execution. Partnering closely with actuarial, claims, distribution, underwriting, and technology teams, you’ll shape integrated strategies that balance growth, risk selection, customer experience, and compliance. Your insights will drive your ownership of state-level P&Ls and help Kin stay ahead in a rapidly evolving insurance landscape. Your responsibilities Own P&L performance for multiple Southeast states, driving profitable growth across homeowners, auto, and related insurance lines. Develop and execute state and product strategies that optimize pricing, coverage and forms, underwriting guidelines, retention, conversion, and customer experience. Analyze performance data, competitive intelligence, and customer feedback to refine coverage offerings and improve application and policyholder journeys. Partner with actuarial teams on rate-making, forecasting, segmentation, and risk selection strategies. Lead regulatory filings and manage approval processes for rate and product changes in assigned states. Collaborate with technology teams to improve agent and customer experiences through system enhancements and process improvements. Identify and implement automation and operational improvements to increase efficiency and scalability. Serve as a subject matter expert on assigned state markets, regulatory environments, competitive dynamics, and product performance. Define and validate product-market fit, leveraging quantitative analysis and customer insights to inform strategy. Lead cross-functional projects from planning through execution, ensuring high-quality and timely 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 homeowne