Finance Manager

Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America.

We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets. As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents. Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands. 

Independence American Insurance Company (IAIC), a subsidiary of IPH, has over 50 years of underwriting experience and a history of innovation in the pet insurance industry. IAIC has built a reputation as a trusted and dependable partner. We are a pet-focused underwriter with deep insurance industry experience, offering a product with proven consumer appeal. 

Job Location: Hybrid to New York, Midtown

Job Summary: Independence American Insurance Company (IAIC) is seeking a Finance Manager to support the financial performance, capital strength, and disciplined growth of its insurance carrier, reporting to the Director of Financial Planning & Analysis.

The role is responsible for managing core carrier FP&A activities, including forecasting, budgeting, performance analysis, and capital interpretation, while leading a small team of analysts. It partners closely with Underwriting and Actuarial teams to translate underwriting strategies, pricing actions, actuarial assumptions, and capital outcomes into clear, executive‑ready insights. As the organization scales, the role will support the development and growth of the FP&A analyst team and help elevate the rigor, consistency, and insightfulness of carrier‑level financial analysis.

Main Responsibilities:

• Strategic Business Partnering
  • Serve as a primary finance partner to Underwriting and Actuarial teams, ensuring financial and capital implications of decisions are clearly understood and translated into finance‑ready insights for leadership.
  • Challenge, validate, and reconcile assumptions across Finance and Actuarial to ensure coherent view of performance.
  • Translate technical underwriting and actuarial output into clear, concise financial narratives that support executive and Board‑level decision‑making.

• Planning & Forecasting
  • Own the carrier-level P&L forecasting process across GAAP and Statutory bases.
  • Integrate inputs from Underwriting and Actuarial into rolling forecasts and multi-scenario planning.
  • Design and maintain standardized forecasting models, templates, and assumption frameworks to improve consistency, auditability, governance, and efficiency across planning cycles.
  • Partner with stakeholders to streamline forecast timelines and reduce manual effort through process simplification and automation where appropriate.
  • Manage, mentor, and develop FP&A resources, ensuring high‑quality analysis, clear communication, and consistent execution of planning and reporting deliverables.

• Performance Analysis
  • Monitor and analyze loss ratio performance.
  • Partner with Actuarial and Underwriting to identify and explain results.
  • Develop repeatable analytics and dashboards to improve visibility into key carrier KPIs and performance drivers.
  • Continuously improve data flow from source systems to reporting outputs to ensure accuracy, timeliness, and a single source of truth.

• Capital Modeling
  • Analyze and support maintenance capital models under baseline and stress scenarios, partnering with stakeholders to ensure clarity and consistency of capital assumptions.
  • Assess capital impacts of underwriting actions, growth plans, and loss experience.
  • Improve capital modeling processes, documentation, and review materials to support scalability, regulatory review, and rating‑agency interactions.

• Data, Reporting & Process Improvement
  • Lead continuous improvement initiatives across FP&A data, reporting, and planning processes.
  • Enhance data governance, controls, and documentation to support reliable GAAP, Statutory, and capital reporting.
  • Partner cross-functionally to improve data flow between actuarial models, underwriting systems, and financial forecasting outputs.
  • Support automation and system enhancements that reduce manual reporting and enable faster, more insightful analysis.

Qualifications Required

• Bachelor’s degree in Finance, Accounting, Actuarial Science, or a related field; MBA,
• CPA, or CFA strongly preferred.
• 7-10+ years of progressive experience in FP&A, corporate finance, or financial strategy
• Experience in complex, regulated, or analytically driven environments (e.g., financial services, ratings, capital markets, insurance, fintech)
• Strong track record of executive‑level financial analysis and communication
• Advanced proficiency in financial modeling and forecasting

Preferred

• Pet insurance, personal lines, or specialty insurance background
• Strong understanding of insurance financials and statutory capital concepts
• Experience in a high-growth or scaling environ

#LI

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All of our jobs come with great benefits including healthcare, parental leave and opportunities for career advancements. Some offerings are dependent upon the location of where you work and can include the following:

• Comprehensive full medical, dental and vision Insurance

• Basic Life Insurance at no cost to the employee

• Company paid short-term and long-term disability

• 12 weeks of 100% paid Parental Leave

• Health Savings Account (HSA)

• Flexible Spending Accounts (FSA)

• Retirement savings plan

• Personal Paid Time Off

• Paid holidays and company-wide Wellness Day off

• Paid time off to volunteer at nonprofit organizations

• Pet friendly office environment

• Commuter Benefits

• Group Pet Insurance

• On the job training and skills development

• Employee Assistance Program (EAP)

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