Pricing Actuary

Authentic is a tech-enabled MGA (managing general agent). We design and run insurance programs for specific kinds of businesses, like restaurants, gyms, and power producers. Brokers bring us the businesses that need coverage, and carriers back our policies. Every program runs on a platform we built ourselves, and we own every line of code behind it. Engineers and insurance experts build it side by side in New York and Dayton, Ohio.

Since our founding in 2022, we’ve grown to 80+ people and been named to the 2026 CB Insights Insurtech 50.

About this role

This is the first dedicated actuarial hire at Authentic. You’ll report to our COO, a credentialed actuary who is currently covering actuarial leadership directly. You’ll own the analytical work that our carrier partners, reinsurers, and internal underwriting teams depend on to write profitable business.

Responsibilities

• Monitor rate level adequacy by state and class of business, quantify indications, and recommend rate changes; establish a recurring maintenance cadence.
• Build and own claim frequency reporting as a leading indicator of business mix shift and risk selection quality.
• Develop in-house loss development factors as credible historical loss data emerges. Assess in-house loss development patterns against currently adopted industry selections.
• Track carrier and reinsurance market conditions in our core classes, maintaining working relationships with reinsurance brokers, carrier partners, and industry contacts so pricing and capacity decisions are made with current market context.
• Partner with our data and engineering teams to move recurring analyses out of one-off spreadsheets and into repeatable, automated reporting.
• Support new program pricing, carrier submissions, reinsurance renewals, and diligence requests as they arise.
• Experience
• ACAS, or near-ACAS with path to the credential
• 4+ years of property & casualty actuarial experience in both reserving and pricing; commercial lines exposure (general liability, property, workers’ compensation, auto, umbrella) strongly preferred
• Comfortable with imperfect and incomplete data. Ability to distinguish between a number that is wrong and a number that is merely immature.
• Ability to present technical conclusions to non-actuarial audiences, including carrier partners, reinsurers, brokers, and executives.
• Program business, MGA/MGU, fronting, or delegated authority experience is a meaningful plus

About Authentic

Authentic builds the infrastructure that program insurance runs on. We partner with leading brokerages to design and manage custom insurance programs, backed by A and A- rated carriers operating nationwide. Brokers bring the data and distribution.

We bring everything else: the technology, the capacity, and the underwriting expertise to stand up specialized programs at speed and build them to last.  We’re a Series A company backed by top investors, including FirstMark Capital, Zigg Capital, Slow Ventures, Clocktower, Commerce Ventures, and Altai. We’ve grown over 15x in the past year with a massive market opportunity ahead.

Authentic is committed to building an inclusive working environment regardless of gender, sexual orientation, religion, ethnicity, race, education, age, or other personal characteristics. We believe that people do their best work when they can be themselves, and different perspectives and experiences make us stronger as a team. We’re proud of the supportive and inclusive workplace we're building together and are always working to make it even better.