Actuary

About the Company

Cover Genius is the global infrastructure for embedded protection. Active in over 60 countries and all 50 US States, we protect the customers of the world’s largest digital companies, including Klarna, Revolut, Stripe, Priceline, Agoda, Booking.com, Turkish Airlines, Tongcheng Travel, eBay, and Uber, with seamless, end-to-end experiences. Cover Genius has protected more than 73M customers globally across 240M policies with USD $3.2BN in gross written sales.

Coming off a stellar year with 40% YoY revenue growth and a recent $100M capital raise, putting our valuation at $1.9BN, we are accelerating into our next phase of growth. As part of our team, you’ll help drive our AI-first roadmap, developing hyper-personalization engines, agentic distribution, and automated claims infrastructure, while building the scalable technology powering the fast-growing $70B embedded protection market.

Our people are: Accountable, customer-obsessed, collaborative, driven

Our people are not: Passive, defensive, siloed, hesitant

About the Role

As an Actuary within our Americas Team, you will play a key role in pricing support, segmentation models, and portfolio management to provide recommendations in support of our growing range of insurance products. You will work closely with our internal stakeholders to recommend innovative solutions to our partners, as well as external stakeholders such as underwriters to discuss portfolio results and propose changes.

To drive success in this role, you should be naturally curious about our insurance products and the suite of available data, leveraging your analytical skills to drive high impact changes in our products. You will perform pricing reviews and monitor the book of business across product verticals and underwriters with a clear goal of optimizing value for Cover Genius.

Regular cooperation with our Insurance Product, Compliance, Data & Analytics, Customer & Claims and Partner Services teams is essential to guarantee operational excellence, cost efficiency, and a positive impact on CG’s profitability, program sustainability and end customer experience.

Key Responsibilities

• Utilize knowledge of actuarial pricing methodology and concepts to produce pricing, risk management and product recommendations.

• Contribute to the development and implementation of new products through initial pricing and underwriting guidelines.

• Support the insurance partnerships teams with ad-hoc and scheduled reviews of rate development, loss ratio monitoring and product development stages.

• Work closely with the Data, Platform, and Data Science Teams to design and develop our unique insurance products.

• Provide insights to internal and external stakeholders to support insurance partners, internal insurance carrier and reinsurer relationships.

• Demonstrate a positive and proactive approach with stakeholders and address their concerns

• Identify opportunities to continuously improve processes to address inefficiencies and risks.

• Develop skills in relevant data and modelling software to contribute for development and implementation of best practice in pricing, modelling and dashboards.

• Build and own dashboards for different market segments to monitor loss ratio.

What you will bring

• Degree in Actuarial Science, Mathematics, Statistics or Data Science.

• Associate or Fellow Qualified actuary.

• 5+ years of actuarial experience in the property & casualty/non-life insurance industry.

• Strong technical, analytical and mathematical skills.

• Strong SQL and Excel skills. Programming skills in R and/or Python skills desirable.

• Proven ability to foster and develop relationships with key external and internal stakeholders.

• Excellent written and verbal communication and presentation skills, with the ability to interpret and communicate data to a variety of technical and non-technical audiences.

• Excellent organisational skills and the ability to independently take initiative on projects.

• Ability to adapt quickly to a start-up pace environment and culture.

What you will have

• Self-starter attitude that actively seeks out interesting problems to solve.

• Driven, energetic, and approachable to non-actuaries.

• Excellent attention to detail.

• Professional approach and confident manner.

• Desire to innovate with the ability to think outside-the-box to make improvements.

Why Cover Genius?

At Cover Genius, we create magic by turning the archaic into the extraordinary. We take one of the world’s oldest and most complex industries and reinvent it with world-class technology. Cover Genius doesn’t just disrupt legacy insurance; we make the impossible feel effortless.Our operating principles guide our mission:

• Make today matter: We deliver with urgency and excellence. We act decisively, move with intention, and hold a high bar.

• Act with accountability: We own our commitments and take pride in delivering results that move us forward.

• Grow together: We are a collective of curious minds. We learn from wins and setbacks, share knowledge generously, and elevate each other every day.

• Inspire Each Other: We push each other to think bigger and pull together to go further.

• Champion Our Customers: We lead with empathy and center the customer, turning complex disruptions into seamless moments of trust.

• Flexible Work Environment - Our teams are hybrid. We work from home on a Wednesday and Thursday and attend the office on Monday, Tuesday and Friday with flexibility around start/finish times.

• Don't just take our word for it - hear about our culture straight from our people here: story time.

Ready to make an impact? If you’re looking for a place where you’ll be challenged, trusted, and empowered, we’d love to meet you.

The Legal & Privacy Stuff

Cover Genius promotes diversity and inclusivity. We don't tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status.

By submitting your application, you acknowledge that we may collect, store, and process your personal data for recruitment purposes. To ensure a fair evaluation, we may use AI to assist in sorting applications, but all final decisions are made by our hiring team and no candidate dispositions are automated. We will keep your information on file for three years from the date of your application. For detailed information about how we handle your data and our use of AI, please review our full Privacy Policy.

*The cash compensation range for this role is C$115,000- C$145,000. Compensation will vary based on experience.