Insurance Data Scientist

Job description

The Role We're seeking a Senior Insurance Data Scientist to build the pricing and underwriting models that will power Novella's next generation of E&S products. This is a senior, hands-on role. We need someone who has done this before and can hit the ground running. You'll work with historical bind and loss data to build models that help us price risk accurately, identify profitable segments, and give our underwriting team a data-driven edge. You understand the nuances of insurance data - how messy it is, what signals matter, and how to turn loss and submission data into models that actually work in production. The ideal candidate has built pricing or underwriting models at an insurance company, MGA, or insurtech. You've seen what good looks like and you know how to get there without a team of 50 people. You're comfortable working with imperfect data, iterating quickly, and deploying models that drive real underwriting decisions. The Day to Day Build and refine pricing models using historical bind, quote, and loss data across commercial property and general liability lines. Develop underwriting scoring models that help our team assess risk quality and identify profitable opportunities. Use historical quote data to build a model that predicts pricing for the carrier we transact with. Partner with our Head of Programs teams to translate model outputs into actionable underwriting guidelines for Novella Programs. Continuously monitor model performance and recalibrate as our book grows and new data becomes available. What We're Looking For 7+ years in data science or actuarial science, with significant time spent building pricing or underwriting models in P&C insurance. Hands-on experience with insurance loss data, loss development, exposure analysis, and rate adequacy. Experience building models that have been deployed in production and used to make real underwriting or pricing decisions. Experience building underwriting or pricing models from scratch - not just maintained legacy systems. Understanding of E&S or specialty P&C is a strong plus. Novella is the first AI native insurance brokerage protecting the largest, most complicated physical assets in the world. Whether it’s sky scrapers on the Miami coast exposed to hurricanes, or rockets going to Mars - Novella’s specialty AI agents are trained to help insurance brokers find coverage for their highest-risk customers. These high-risk customers are part of a $150 Billion per year market segment called Excess and Surplus (E&S) Insurance. Today, all $150B of E&S premium is sold manually by humans working with humans. Novella is the first brokerage building AI agents that know how to protect these high-risk assets more accurately and more efficiently.