Sr Decision Science Analyst, Capital & CAT Modeling

We are looking for a Senior Decision Scientist to design and own mathematical risk thresholds across our insurance products.
In this role, you will operate at the intersection of catastrophe modeling, capital modeling, and portfolio strategy, ensuring that each policy we write is evaluated against explicit capital requirements and aligned with long term growth and risk objectives. You’ll dive into the details, build practical solutions, and turn well grounded analysis into clear, actionable decisions that move the business forward.

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.

IN THIS ROLE YOU’LL

- 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

WHAT YOU’LL NEED

- 4+ years of experience in CAT modeling...