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About the Role
We are seeking a technically strong, detail-oriented actuary to support our reserving work across our portfolio of third-party P&C programs, with a strong focus on casualty. You will support core pieces of the quarterly and monthly reserving cycle, from data analysis to rolling forward assumptions and delivering review-ready work.
Responsibilities
- Perform quarterly reserve reviews across program tiers, including deep dives on casualty special programs.
- Independently evaluate reserve adequacy, roll forward actuarial assumptions, and prepare well-documented recommendations.
- Investigate reserve movements, claims trends, and data anomalies, and clearly communicate findings and recommendations.
- Work with detailed claims, premium, exposure, financial, and reinsurance datasets to support reserving analyses.
- Partner with data and engineering teams to improve data quality and accessibility.
- Support data reconciliation and forensic analysis to identify claims data quality issues.
- Help standardize definitions across partner programs by mapping and aggregating program data into consistent structures.
- Support the development of large loss thresholds for each partner program and a broader large loss strategy.
- Support monthly close activities, including lag and paid estimates, loss flux, ultimate and IBNR allocation, and AY/TY loss ratio review.
- Support the review of new and existing insurance programs, including setting up templates and reducing backlog.
- Contribute analysis and exhibits for reserve committee and senior management materials.
- Communicate loss ratio performance and emerging issues to Pricing, Underwriting, Reinsurance, Claims, and Finance.
- Maintain Schedule P, ULAE/AO, and reinsurance treaty workbooks.
- Support the annual, quarterly, and monthly financial reporting processes across GAAP and STAT entities.
- Support SOX control documentation, audit walkthroughs, and requests from the signing actuary.
- Support reserve risk calculations and the handoff to capital modeling.
- Identify and implement governance and automation improvements that keep reserving reviews and workflows consistent, repeatable, and well controlled.
- Innovate reserving models through model building, refitting, or calibration.
Requirements
- ACAS-credentialed reserving actuary, working toward FCAS.
- Worked across several P&C lines with a strong foundation in casualty.
- Make sound reserving recommendations on thin or imperfect data, using benchmarks, judgment, and a clear statement of assumptions.
- Build tools, reconciliations, and documentation that make reserving consistent across a growing portfolio.
- Explain actuarial conclusions in plain terms to actuaries, finance, claims, underwriters, and program partners.
- Use SQL, Python, GitHub, and AI tools to work faster.
- Collaborate effectively with peers and contribute to a culture of continuous learning and improvement.
- Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics, or a related field.
- 4+ years of actuarial experience with broad reserving exposure across multiple lines and sound judgment on limited or unstructured data.
- Proficiency in SQL and Python to independently source, validate, reconcile, and analyze large datasets.
- Strong Excel skills.
- Experience with cloud data warehouses and curated analytical datasets (BigQuery and GitHub preferred).
- Familiarity with layered architectures (e.g., bronze/silver/gold) is a plus.
- Ability to trace results from underlying claim and financial transactions through reserve exhibits and final reporting.
- Good understanding of accounting standards (e.g., US GAAP, US STAT).
- Ability to explain actuarial concepts clearly to actuarial and non-actuarial audiences, including senior leadership.
- Project management skills and ability to deliver under tight timelines.
- Prior program, fronting, or reinsurance experience.
- Experience with SQL-based data transformation tools (e.g., dbt).
- Experience with SOX controls or audit support for reserving processes.
- Experience using AI tools to speed up actuarial and data work.
Skills
- SQL
- Python
- GitHub
- AI tools
- Excel
- Cloud data warehouses
- Curated analytical datasets
- Layered architectures
- US GAAP
- US STAT
- Project management
- dbt
- SOX controls
- Audit support
Location
- San Jose, CA
- Austin, TX
- Dallas, TX
- Morristown, NJ
Work Type
- Hybrid
- Relocation Assistance
Experience Level
- 4+ years of actuarial experience
Education Level
- Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics, or a related field
- ACAS
- FCAS (progress toward)
Salary/Compensations
- $115,000 - $155,000
Benefits
- Relocation Assistance
- Multiple medical plans
- 100% employer covered dental & vision plans
- 401(k)-retirement plan
- Short & long-term disability
- Employer-paid life insurance
- Flexible Spending Accounts (FSA) for health and dependent care
- Employee Assistance Program (EAP)
- Equity compensation
- Training and internal career growth opportunities
- Flexible Time Off
- 12 weeks of parental leave
- Snacks and drinks available
- Catered lunches for onsite employees
About the Company
- Hippo was built on a promise: make homeownership effortless.
- We use technology and data to help our customers stay ahead of problems and protect what matters most.
- Hippo operates as a diversified carrier platform, partnering with MGAs to deliver tailored program solutions that help them grow and deliver better customer experiences.
- Behind that work is a team that values ownership, curiosity, collaboration, and continuous improvement.
Equal Opportunity
- Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.
- Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation.
- Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known.