About Stand

Stand is a new technology and insurance company revolutionizing how society assesses, mitigates, and adapts to climate risks. Our leadership team has extensive experience in insurance, technology, and climate science: building billions in market value at prior ventures. At Stand, we are rethinking how insurance enables proactive, science-driven resilience.

Existing insurance models often rely on broad exclusions, leaving homeowners without options. At Stand, we leverage advanced deterministic models and cutting-edge analytics to provide personalized risk assessments-helping homeowners secure coverage and take proactive steps toward resilience.

Role Summary:As a Senior Actuarial Analyst at Stand Insurance, you'll help build the next generation of actuarial tools in one of the most forward-thinking insurance teams in the world. Stand is redefining how climate risk is priced by pairing traditional actuarial techniques with physics-driven AI models-giving us the ability to understand future peril risk in ways that weren't possible even a few years ago.

In this role, you'll work alongside actuaries, physicists, data scientists, and AI engineers to develop cutting-edge pricing models and contribute to methodologies that are shaping the future of the actuarial profession. Analysts today know that actuarial work is being transformed by machine learning, automation, and advanced simulation. At Stand, you'll have the opportunity to develop those future-critical skills at their highest level-while playing a meaningful part in building climate-resilient insurance products from the ground up.

This is an ideal role for someone who wants to deepen their actuarial expertise, expand into modern modeling approaches, and be part of an ambitious mission at a fast-scaling insurtech.

Core Responsibilities:

Assist in the development and maintenance of property insurance pricing models, with attention to climate-related and catastrophe risks
Work with Product and Applied Science to support integration of deterministic physics models and AI outputs into rating methodologies
Support regulatory filings, rate reviews, and actuarial memoranda to ensure compliance with state insurance departments as needed
Provide actuarial support for product strategy, reinsurance structures, and capital adequacy assessments
Collaborate with team members across functions to evaluate new product opportunities and market expansions
Track and analyze emerging climate, catastrophe, and market trends to inform assumptions and pricing inputs
Summarize and communicate actuarial findings and insights to internal stakeholders and management

Must-Have Qualifications:

A Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics or a related field
Passing grades on minimum of 5 Casualty Actuarial exams
Commitment to achieving Associateship or Fellowship in the Casualty Actuarial Society
Minimum of 3 to 5 years of property & casualty actuarial experience
Prior experience and solid knowledge of actuarial techniques and standards, as well as other business operations including financial, underwriting, legal, statistics, claims, sales, etc.
Solid interpersonal skills and the ability to work in a team environment as well as independently.
Ability to exercise discretion and apply independent judgment and well-developed critical thinking skills in execution of assignments and projects.
Advanced computing skills (MS Office Excel, SAS, etc.); Ability to build models of moderate complexity
Comfort working cross-functionally in a fast-paced, entrepreneurial environment

Nice-to-Have Qualifications:

Actuarial experience, with a focus on property, catastrophe, or E&S insurance
Experience with catastrophe modeling (e.g., AIR, RMS) or climate risk models
Familiarity with regulatory filings in multiple states, including admitted and E&S markets
Experience in high-growth startups

Compensation:

The annual base salary range for full-time employees in this position is $110,000 to $150,000 + 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.

Additional Benefits:

Comprehensive benefits including above-market Health, Dental, Vision
Weekly lunch stipend
Flexible time off
401k plan

Why Join Stand?

At Stand, you'll be part of a mission-driven team redefining how insurance intersects with climate resilience. This is a unique opportunity to build something transformative-leveraging advanced technology, underwriting expertise, and data-driven insights to create a smarter, more adaptive insurance model.

Equal Opportunity Employment

Stand is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status. We believe that diversity enriches the workplace, and we are committed to growing our team with the most talented and passionate people from every community.

Stand Insurance is committed to providing an inclusive and accessible recruitment process. If you require any accommodations during the application or interview process, please let us know by contacting hiring@getstand.com. We will work with you to ensure you have the support you need to participate fully.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

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Senior Actuarial Analyst

Senior Actuary