Actuary

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data  triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.

Arbol is building an AI-enabled homeowners insurance platform focused on underserved coastal and catastrophe-exposed markets. We are looking for a talented actuary to lead pricing, reserving, reinsurance analytics, and portfolio analytics while working side-by-side with our AI and engineering teams to build the next generation of actuarial workflows.In this role, you will work primarily on homeowners’ insurance in coastal southern states, with opportunities to support expansion into new lines and territories. A major focus will be translating complex actuarial judgment, workflows, and analyses into scalable AI-enabled tools that improve speed, rigor, and decision-making across the business. The ideal candidate takes ownership, is fluent in the right tools required for the task (Excel, Python, Claude Code, etc.), and is excited to work at the intersection of actuarial science, insurance operations, and applied AI.  

What You'll Be Doing

Pricing & Rate Indications

• Develop rate indications and pricing analyses (e.g., territory, deductible, and other rating factors).

• Monitor rate adequacy, loss trends, inflation impacts, and emerging experience.

• Build and maintain pricing tools, exhibits, and documentation used for internal decisions and regulatory filings.

Reserving & Loss Analytics

• Perform quarterly reserve analyses (e.g., triangles, ultimate loss selections, IBNR, diagnostics) for homeowners and related lines.

• Monitor loss emergence, claim severity/frequency trends, and CAT vs non-CAT performance.

• Partner with Claims and Finance to reconcile results, investigate drivers, and improve data quality.