Senior Decision Science Analyst, Car

We’re looking for a Decision Scientist who is eager to revolutionize insurance with us.
In this role, you’ll be building advanced pricing models & tools, while modernizing our pricing discipline to all facets of Lemonade - from distribution to underwriting, claims, compliance, and finance. You’ll leverage competitive data and data science to optimize our customers’ experience— and ensure fairness and accuracy in pricing.

We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work.

Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools.

• Be an owner and expert on our car insurance state rating plans

• Lead the development and integration of predictive modeling projects while working closely with the Data Science team

• Craft rate filing support for new machine learning models

• Recommend pricing and underwriting actions based on ongoing monitoring of results

• Build a knowledge base of competitor rating strategies and the overall competitive landscape

• Develop the rates and pricing strategy for product expansions in new states

• Assist in the design and development of internal pricing software for advanced analytics to support real-time decision making and scalable growth

• Coach and mentor analysts

• 4+ years of statistical modeling experience

• Prior experience in the insurance industry

• Advanced experience developing and implementing predictive models using both supervised and unsupervised machine learning approaches such as GLM, decision tree, and gradient boosting machines

• Bachelor’s degree in Data Science, Economics, Mathematics, Statistics, or a related field

• Proficiency in data science programming languages such as R or Python (preferred), and database query tools such as SQL

• Ability to work in a remote environment

• Enthusiasm about learning and adapting to the exciting world of AI – a commitment to exploring this field is a fundamental part of our culture.

Please note that we are unable to sponsor applicants for work visas

Unfortunately, we cannot consider applicants from these states; Colorado, California, Montana, Hawaii, New Mexico and Puerto Rico.

Lemonade’s US base salary range for this full-time position is $125,000 - $140,000 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave. Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package.

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