Actuarial Science
at Stand

Being an actuary at Stand is not a back-office role. It is a front-line product role. You are shaping how risk is understood, priced, and acted on at the individual property level. Not at the ZIP code. Not at the portfolio abstraction. At the home. You work directly with product, underwriting, and applied science to turn real-world physics, mitigation actions, and homeowner behavior into pricing decisions that actually change outcomes.

This is a break from traditional actuarial work. No endless triangle refreshes. No black-box vendor models you cannot interrogate. At Stand, actuaries help define the loss function itself. You model probability of loss conditional on property features, mitigation efficacy, and intervention timing. You pressure-test assumptions quickly. You ship changes into production. You see the impact in bind rates, loss ratios, and homeowner behavior within weeks, not years.

The crawl phase is learning the system. Understanding our data sources, simulations, and underwriting workflows. The walk phase is owning slices of pricing and risk logic end to end. From inputs to rate impact to distribution behavior. The run phase is redefining what actuarial work looks like in climate-exposed insurance. Designing new rating dimensions. Partnering on new products. Influencing capital conversations with reinsurers using models you helped build.

If you want a career where actuarial judgment directly shapes product strategy, customer experience, and loss performance, this is it. You will not be a validator of decisions made elsewhere. You will be a decision-maker. You will help build the next generation of insurance for a world where risk is local, dynamic, and solvable.