Actuarial Analyst

Location: Waltham, MA (hybrid) ERGO NEXT’s mission is to help entrepreneurs thrive. We’re doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entire value chain and transforming the customer experience. Simply put, wherever you find small businesses, you’ll find ERGO NEXT. Since 2016, we’ve helped hundreds of thousands of small business customers across the United States get fast, customized and affordable coverage. We’re backed by industry leaders in insurance and tech, and we still have room to grow — that’s where you come in. We are growing fast and looking for an actuary who wants to help shape how we manage our product portfolio, not just analyze it. You will have real autonomy and the latitude to act on your expertise as a trusted partner to our insurance product managers, bringing sound recommendations to leadership backed by rigorous analysis. You will be close to the business day to day, with a clear view of where the line stands and where it is headed, and a direct role in the decisions that shape its growth and profitability. What You’ll Do: Be the #1 subject matter expert at Next related to the pricing of the target product offerings Build and enhance actuarial methodologies around loss ratio forecast, insurance analytics, and P&L management Partner with Insurance Product Managers to drive future product developments Build go-to-market predictive models in Akur8, perform impact analyses, and support product filings Perform competitor and market research Partner with data science and data engineering to enable future-proof data architecture Deliver actuarially sound recommendations to senior management Provide ad hoc support to other business partners, including but not limited to reinsurance, finance, distribution, claims, and growth teams. What You Need: FCAS preferred, ACAS accepted 6+ years of actuarial experience; property & ca

Location: Waltham, MA or Palo Alto, CA (hybrid) ERGO NEXT's mission is to help entrepreneurs thrive. We’re doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entire value chain and transforming the customer experience. Simply put, wherever you find small businesses, you’ll find ERGO NEXT. Since 2016, we’ve helped hundreds of thousands of small business customers across the United States get fast, customized and affordable coverage. We’re backed by industry leaders in insurance and tech, and we still have room to grow — that’s where you come in. We're inviting an experienced and strategic Insurance Product Manager to join our Casualty team. This is a highly visible and cross-functional position focused on delivering and managing best-in-class products across a broad range of business classes. You will shape appetite, pricing, and underwriting rules, and play a key role in helping NEXT expand its platform to serve more complex small businesses. If you get excited about understanding & redesigning pricing, love thinking about risk, and want to work on initiatives that will have a real impact on the industry and the customer - we’d love to talk to you! What You’ll Do: Own ongoing management of our commercial Casualty products, including coverage, pricing, underwriting logic, segmentation, and regulatory compliance. Execute pricing and underwriting improvements by refining appetite, rating plans, forms, and risk selection based on loss drivers and portfolio performance. Partner with Engineering and Technical Product to translate business priorities into shipped product and pricing changes. Support product filings, working with Actuarial and Compliance to bring updates to market. Analyze product and portfolio performance, identify improvement opportunities, and drive measurable impact on growth and loss ratio. Conduct competitive and market resear

Become a part of our caring community The Actuarial Analyst 2, Analytics/Forecasting analyzes and forecasts financial data to provide accurate and timely information for strategic and operational decisions. Establishes metrics, provides data analyses, and works directly to support business intelligence. Your work assignments are varied and frequently require interpretation and independent determination of the appropriate courses of action. The Actuarial Analyst 2, Analytics/Forecasting will report to the Actuary, Analytics/Forecasting. You will play a key role in the Medicare actuarial forecasting process. This position entails the maintenance of the provider revenue and expense projection model and associated tools supporting the projection model. The Actuarial Analyst 2, will be responsible for integrating value-based provider impacts into financial and bid forecasts, managing tools associated with these impacts, and providing guidance on effective risk modeling practices. The Actuarial Analyst 2, Analytics/Forecasting ensures data integrity by developing and executing necessary processes and controls around the flow of data. You will collaborate with stakeholders to understand business needs/issues, troubleshoots problems, conduct root cause analysis, and develop cost effective resolutions for data anomalies. You will understand department, segment, and organizational strategy and operating objectives, including their linkages to related areas. You will make decisions regarding own work methods, occasionally in ambiguous situations, and require minimal direction and receives guidance where needed. You will follow established guidelines/procedures. Use your skills to make an impact Required Qualifications Bachelor's Degree Successful completion of at least 3 actuarial exams<

Become a part of our caring community The Actuarial Analyst 2, Analytics/Forecasting supports value-based initiatives within the HealthCare Economics team, partnering across actuarial, finance, analytics, and business teams to develop actionable financial insights and forecasting solutions. This role will play a key part in the design and development of a holistic modeling solution, building new methodologies and frameworks from the ground up to support performance measurement, financial reconciliation, and strategic decision-making across multiple value-based care programs. You work assignments are varied and frequently require interpretation of complex business issues, independent judgment, and the ability to recommend and execute appropriate courses of action with limited guidance. The Actuarial Analyst 2, Analytics/Forecasting will be responsible for analyzing and forecasting claims and revenue trends, developing innovative forecasting methodologies, and translating complex business requirements into scalable analytical solutions. This individual must be able to independently evaluate data, identify gaps, propose holistic approaches, and develop end-to-end solutions that integrate financial, operational, and claims-based insights. Responsibilities include designing forecasting methodologies, establishing reporting metrics, validating model results, and supporting the evolution of value-based care analytics. You will understand department, segment, and organizational strategy and operating objectives, including their linkages to related areas. You will make decisions regarding own work methods, occasionally in ambiguous situations, and requires minimal direction and receives guidance where needed. Use your skills to make an impact Required Qualifications Bachelor's Degree Successful completion of

Opportunity Overview: We are seeking a Senior Actuarial Analyst to join our Actuarial team. In this role, you will own the models and core reporting that quantify customer outcomes, impact, and cost savings for Cohere’s prior authorization programs, and present what is driving those results to internal leadership and external customers. You’ll partner closely with clinical, customer success, and data teams to keep the numbers accurate and consistent, making this an opportunity to shape how Cohere measures and communicates the value it delivers. This is a remote-first role that may require travel to Boston, MA for new hire onboarding and occasional in-person team meetings and company events. What you’ll do: Own and maintain client-facing reporting that measures cost savings, outcomes, and performance of prior authorization programs across specialty areas (MSK, cardiology, diagnostic imaging, therapy, sleep, and others). Build, maintain, and QC the actuarial models and methodology behind that reporting, and keep them ready to scale to new clients and lines of business. Analyze and interpret authorization and claims data to identify trends, key drivers, and opportunities to improve customer value, and quantify the dollar and utilization effect of each. Design and run impact evaluations and post-implementation assessments: define intervention and comparison cohorts, baselines and benchmarks, units of measurement, and methods (pre and post, difference-in-differences, quasi-experimental), including sensitivity analyses that isolate true Cohere impact and validate savings. Reconcile authorization-based impact against realized claims, and investigate and explain month-over-month and quarter-over-quarter changes. Prepare and present clear, executive-level insights and results to external customers and internal leadership, articulating assumptions, drivers, and implications. Partner closely with customer success, clinical, and actuarial teams to align metrics, assumptio

Opportunity Overview: We are looking for a detail-oriented Senior Actuarial Support Analyst to join our Actuarial team. In this role, you will be responsible for evaluating cost-saving initiatives that enhance the efficiency and effectiveness of the prior authorization process. The ideal candidate will have extensive experience in healthcare analytics, financial modeling, and prior authorization, along with a strong strategic mindset and data-driven problem-solving skills. The work will be fast-paced and project-based, with evolving needs - requiring curiosity, flexibility, and grace under pressure. At a growing organization, this is a position that offers the ability to make a substantive mark on the company and its partners with exponential growth opportunities. You will be part of the Actuarial team and develop & maintain cost savings models. This is a remote-first role that may require travel to Boston, MA for new hire onboarding and occasional in-person team meetings and company events. What you’ll do: Design and maintain complex financial models to track and analyze cost-saving initiatives, providing regular updates and insights to senior leadership and stakeholders. Perform advanced data analysis to assess prior authorization & claims trends, decision patterns, and cost drivers. Lead the design and development of financial models to quantify the impact of proposed cost-saving initiatives and forecast cost reduction outcomes for business cases. Use statistical and data visualization tools to identify trends, patterns, and anomalies in claims data that may indicate areas for improvement on savings. Prepare detailed and executive-level reports and presentations that summarize cost-saving achievements, project performance, and future cost-saving potential. Act as a trusted advisor to leadership and key internal & external stakeholders, providing strategic insights, recommendations, and guidance on cost-saving strategies. Work closely with clinic