Lemonade · 5 days ago
Sr Decision Science Analyst, Capital & CAT Modeling
New York, United States
Full-time
Hybrid
Mid, Senior Level
$115K/yr - $132K/yr
4+ years expLemonade is seeking a Senior Decision Scientist to design and manage mathematical risk thresholds across their insurance products. The role involves working with catastrophe and capital modeling to support portfolio management and strategic decision-making, while translating complex model results into actionable insights.
Artificial Intelligence (AI)Financial ServicesInsuranceInsurTech
No H1B
Responsibilities
Own and build the capital modeling framework, running catastrophe models and integrating their outputs to support portfolio management, growth planning, and strategic decision making
Build and maintain the analytical tools and data structures used for catastrophe, capital, and portfolio modeling
Evaluate how individual policies and portfolio changes impact capital requirements, PMLs, tail risk, and expected returns
Partner closely with insurance, finance, and underwriting teams to assess the impact of reinsurance structures, retentions, and limits on portfolio risk and capital efficiency
Translate capital and catastrophe model results into clear takeaways and recommendations that help guide growth and risk decisions
Approach problems with curiosity and good judgment, challenging assumptions when needed and contributing to a team that values learning and shared ownership
Qualification
Required
4+ years of experience in CAT modeling, capital modeling, or quantitative risk analytics within P&C insurance or reinsurance
Solid grounding in statistics and probability, especially as applied to extreme events and heavy-tailed distributions
Proficiency in data science programming languages such as R or Python, and database query tools such as SQL
Bachelor's degree in Data Science, Economics, Mathematics, Statistics, Actuarial Science, or a related field
Ability to work in our Soho office a minimum of 3 days a week
Enthusiasm about learning and adapting to the exciting world of AI – a commitment to exploring this field is a fundamental part of our culture
Preferred
Understanding reinsurance structures and how they impact portfolio risk and capital is a plus
Benefits
Equity
Benefits
Company
Lemonade
Lemonade is a digital insurance company that uses artificial intelligence and behavioral economics.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
$618.5MKey Investors
General CatalystSoftBankAllianz
2023-06-29Post Ipo Equity· $150M
2020-07-02IPO
2019-09-01Secondary Market· $1.5M
Leadership Team
Daniel Schreiber
Chief Executive Officer
Shai Wininger
Co-Founder, Co-CEO
Recent News
The Motley Fool
2026-02-03
2026-02-03
2026-01-23
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