Insurance Product Analyst

Why Join Stand: At Stand, you’ll help build a new class of global property protection. We use advanced physics and AI to model catastrophic risk at the asset level, then automate underwriting and mitigation before loss occurs. Insurance is simply the current delivery mechanism. The real product is a scalable risk engine.

We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices.

Background: The property insurance industry is built to price loss after it happens. It relies on coarse proxies, backward-looking data, and manual processes, then accepts damage as unavoidable.

Stand takes a different approach. We simulate how real-world catastrophes affect individual properties, translate that into actionable decisions, and automate the business around it. The result is a platform that can underwrite what others can’t and operate with far less friction.

Role Summary

We’re looking for an Insurance Product Analyst to support the Insurance Product team, collaborating across product managers, actuarial, underwriting, engineering, and compliance.

This role sits at the intersection of product analytics, underwriting logic, state expansion, and implementation execution. You will help turn product strategy into clear analysis, documentation, and operationally ready changes. You’ll work across Product, Actuarial, Underwriting, and Engineering to ensure product decisions are data-driven, well-documented, accurately implemented, and measured after launch.

This is a hands-on role for someone who is analytical, structured, proactive, and comfortable operating in a fast-moving startup environment.

What You’ll Do

Support Product Performance & Insights

• Analyze product and segment performance across metrics, such as mix of business, bind ratio, loss ratio, underwriting funnel, retention, and segmentation

• Build dashboards, reporting, and recurring management insights, connecting business decisions to measurable business outcomes

• Identify trends, issues, and opportunities that inform product, pricing, and underwriting decisions

• Recommend product changes, including risk selection or underwriting operational efficiencies

• Ensure reporting logic, definitions, and data sources are clearly documented

Support Insurance Product Implementation and Execution

• Develop and maintain a strong understanding of product configuration, rating logic, underwriting rules, and workflows

• Translate product decisions and analysis into clear requirements, documentation, and implementation plans

• Partner with Engineering to implement product, rate, and rule changes accurately

• Ensure high-quality execution through QA, validation, and anticipation of downstream impacts across underwriting, actuarial, and operations

• Assist with rate, rule, and form filings, partnering with compliance and internal stakeholders as needed

Support Product and State Expansion

• Prepare state-specific analyses for new market launches, including coverages, eligibility rules, and CAT exposure considerations

• Analyze and document key state differences to support product and actuarial decision-making

• Support impact analysis for product changes, including rule, rate, eligibility, and coverage updates

• Partner with Product and Actuarial on pre-launch estimates and post-launch measurement

Generate Market and Competitor Intelligence

• Research competitor pricing, coverages, deductibles, and underwriting approaches

• Summarize market insights to support product strategy and roadmap decisions

• Identify product gaps, opportunities, and risks across target states

What You Bring

Required Experience and Skills

• 3+ years in product analysis, insurance analytics, underwriting analytics, actuarial support, or a similar role in P&C insurance

• Strong analytical and quantitative skills

• Ability to turn analysis into actionable recommendations

• Strong Excel skills; familiarity with SQL, Python, or BI tools preferred

• Excellent written and verbal communication

• Strong documentation discipline and attention to detail

• Ability to work effectively across functions in a fast-paced environment

Experience That Gives You an Edge

• Experience in homeowners, property, or CAT-exposed insurance

• Exposure to underwriting rules, risk segmentation, or pricing analytics

• Experience supporting product changes or state launches

• Familiarity with E&S markets and wildfire-related risk dynamics

• Experience building dashboards and management reporting

• Exposure to competitor analysis, coverage comparison, or third-party data inputs

How You Operate

• You think analytically and structurally

• You create clarity through documentation and excellent communication skills

• You produce insights, not just data

• You identify risks and issues early

• You take ownership and drive work forward

• You operate well in ambiguity and shifting priorities

Compensation:

The annual base salary range for full-time employees in this position is $85,000 to $145,000 + 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.

Benefits:

• Above-market Health, Dental, and Vision coverage

• Weekly lunch stipend

• Flexible time off + holidays

• 401(k) plan

• Commuter benefits

• Short-Term and Long-Term Disability

• Monthly team gatherings

• In-office perks

Work Authorization

Candidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We can consider candidates on TN visas, O-1A visas, or H-1B transfers with three years or more remaining.

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.

We are committed to providing reasonable accommodations for qualified individuals. If you require assistance

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