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CAREERS

Current Openings

FutureProof is a fast-moving, venture-backed insurtech startup that is on a mission to create the climate-smart insurer of the future. We are deploying novel analytics and digital underwriting to build transformative new insurance products that help the world become more resilient to climate change.

 
 

Head of Underwriting

As the impact of climate change on the insurance industry intensifies, FutureProof’s AI-based projections of losses from hurricanes and floods are powering a new generation of insurance underwriting.

 

FutureProof is seeking a Head of Underwriting to be a crucial member of the team building our algorithmic underwriting platform. The platform will underwrite near-instantly based on FutureProof’s uniquely granular catastrophe pricing and portfolio optimization model. Help us create climate-smart insurance products to help close the coverage gap and motivate investment in climate adaptation.

About You

As Head of Underwriting at FutureProof, you will own the development of a new E&S insurance program built around our cutting-edge technology. You will bring your excellent interpersonal skills to create strong relationships with producers, carriers, and TPAs while spearheading the adoption of FutureProof's platform. Using your unique skill set, you will collaborate with our technologists to build a fast, algorithmic, and digital underwriting, pricing, and portfolio management platform that supports our E&S products. FutureProof’s technology can do the heavy lifting on repetitive technical underwriting, pricing, and other workflow tasks so you can focus on building an optimal portfolio that meets the needs of our carriers and reinsurers.

 

YOUR APPROACH

  • You are unwilling to settle for the status quo and want to be part of a company that is changing how our industry underwrites, prices, and manages climate risk

  • You are inspired to bring new climate insurance solutions to the market

  • You want to help solve business problems and participate in management discussions, and you are a clear and confident communicator

  • You thrive in dynamic environments

Responsibilities

  • Cultivate FutureProof’s carrier network and instill confidence in our innovative underwriting, pricing, and portfolio management platform 

    • Collaborate with carriers to develop and implement policy forms, endorsements, and underwriting rules & guidelines 

    • Work closely with FutureProof’s analytics team to ensure that our risk selection and pricing algorithms are aligned with underwriting rules, guidelines, and overall portfolio goals

    • Support FutureProof’s Technical Product Manager to define requirements for digitizing underwriting and portfolio reporting/management workflows

  • Be an ambassador to FutureProof’s producers 

    • Manage wholesale broker and agent partnerships, developing and executing profitable growth strategies 

    • Proactively communicate FutureProof’s risk appetite, guidelines, procedures, and data requirements 

    • Review producer performance and work with them to continually improve

    • Support FutureProof’s Technical Product Manager to translate producer needs into digital solutions

  • Help formulate FutureProof’s strategy
    • Propose new and innovative products and services to expand upon our offerings

    • Monitor market conditions, the competitive landscape, and underwriting developments in FutureProof’s current and future markets

    • Propose strategic & tactical responses to observed and anticipated trends

Your Qualifications

  • 10 years of underwriting experience in personal or small commercial lines with significant experience profitably underwriting hurricane-exposed E&S property. Florida non-admitted homeowners underwriting experience is a plus.

  • Strong distribution and carrier relationships. Established relationships with reinsurers are a plus.

  • Experience across the entire insurance ecosystem, from handling customer service issues and referrals, to managing exceptions, to leveraging claims experience for continual improvement of underwriting guidelines

  • Solid understanding of catastrophe models and the use of their outputs in underwriting and portfolio management

  • Experience managing a team of underwriting, analytical, and support professionals is a plus

  • MGA and program administration experience is a plus

What We Offer

  • Competitive compensation

  • Stock options

  • Fully remote work environment

  • Healthcare benefits 

  • 401(k)

  • Unlimited PTO

 

FutureProof strives to be a diverse, equitable and inclusive organization. We look forward to hearing from you!

To apply, please send your resume to info@futureproof.am

Catastrophe & Portfolio Risk Manager 

As the impact of climate change on the insurance industry intensifies, FutureProof’s AI-based projections of losses from hurricanes and floods are powering a new generation of insurance underwriting.

 

FutureProof is seeking a Catastrophe & Portfolio Risk Manager to be a crucial member of the team building our algorithmic underwriting platform. The platform will underwrite near-instantly based on FutureProof’s uniquely granular catastrophe pricing and portfolio optimization model. Help us create climate-smart insurance products to help close the coverage gap and motivate investment in climate adaptation.

About You

As Catastrophe & Portfolio Risk Manager at FutureProof, you will create and manage FutureProof’s cat modeling and portfolio risk management functions. You will collaborate with FutureProof’s market-leading analytics team on state-of-the art technology to design underwriting portfolios and pricing methodologies that align with carrier and reinsurer expectations for profitability & risk. You will be FutureProof’s primary contact point with the catastrophe modeling teams at carriers, reinsurance brokers, and reinsurers. And you will work closely with FutureProof’s analytics and engineering teams to automate routine workflows, from individual submissions to portfolio reporting.

YOUR APPROACH

  • You are unwilling to settle for the status quo and want to be part of a company that is changing how our industry underwrites, prices, and manages climate risk

  • You are inspired to bring new climate insurance solutions to the market

  • You want to help solve business problems and participate in management discussions, and you are a clear and confident communicator

  • You thrive in dynamic environments

Responsibilities

  • Model prospective and actual portfolios using both traditional models and FutureProof’s proprietary models

  • Contribute to setting FutureProof’s risk tolerances

  • Coordinate with brokers to model and design FutureProof’s reinsurance program to align with agreed risk tolerances

  • Design, produce, and eventually automate FutureProof’s portfolio and risk reporting

  • Use regular portfolio & risk reports to provide insights to FutureProof’s management and partners on portfolio trends, actual vs. plan portfolio, and improvement opportunities

  • Support catastrophe event response and provide real-time cat loss estimates

  • Work with FutureProof’s Analytics and Engineering teams to:

    • Develop and implement rapid cat model results and technical pricing of individual submissions

    • Support evaluation and selection of third-party catastrophe models and external data sources

    • Incorporate portfolio optimization techniques into FutureProof’s rating/pricing methodology & tools

  • Provide input to the Engineering team on hardware, software, and data capture requirements to support the integration of both proprietary and third-party models into FutureProof’s underwriting & portfolio management workflows​

 

Your Qualifications

  • At least seven years of catastrophe modeling experience in a production environment, including at least five years at a major insurance carrier, broker, or reinsurer. Florida-specific cat modeling or underwriting experience is a plus.

  • Advanced user of AIR and RMS catastrophe models. Experience with other models such as internally developed models, KCC, KatRisk, etc. is a plus.

  • Fluent in catastrophe pricing and portfolio optimization techniques

  • Expert SQL skills with strong knowledge of RMS/AIR database structure

  • Advanced programming skills in one or more popular programming languages such as C, VBA, Python or R is a plus

  • Experience managing a team of cat modelers and portfolio analysts is a plus

  • MGA and program administration experience is a plus

What We Offer

  • Competitive compensation

  • Stock options

  • Fully remote work environment

  • Healthcare benefits 

  • 401(k)

  • Unlimited PTO

 

FutureProof strives to be a diverse, equitable and inclusive organization. We look forward to hearing from you!

To apply, please send your resume to info@futureproof.am

Back-End Developer

We believe that the world will only have the incentive to make needed investments in climate adaptation once insurance properly prices climate risk. We have developed analytics to price climate risk from floods and hurricane winds with unprecedented granularity. On the basis of these analytics, we are building transformative new insurance products that will increase financial and physical resilience to climate change. 

About You

You want to be a foundational member of the team building our API for delivering our solutions to our partners in the insurance ecosystem. You will work directly with our CTO.

You are an experienced developer and have worked extensively on building scalable applications. You thrive on the ownership of delivering on time and on spec, while influencing the overall software design. You demonstrate tenacity, resilience, and leadership, enabling you to organize and lead projects, overcome challenges, and propose solutions.

 

You want to be part of a company that is changing how insurance and the broader financial sector manage climate risk. You are inspired to bring new climate solutions to the market. You thrive in dynamic environments.

Responsibilities

 

The back-end developer role is a full-time position. You will be responsible for: 

 

  • Developing and maintaining customer-facing API endpoints

  • Building flexible and scalable components for future use

  • Translating designs and business requirements into high quality code

  • Working with our team of analytics and insurance specialists to rapidly iterate on new features and improve the FutureProof customer experience 

 

FutureProof is based primarily in San Diego and the Bay Area, but the job can be done from anywhere.

Qualifications

 

  • 4+ years of experience in development

  • Strong proficiency in Python

  • Thorough understanding of RESTful APIs 

  • Familiarity with microservices architecture

  • Solid understanding of OOP and software design principles

  • Ability to understand business requirements and translate them into technical requirements

  • Experience working with AWS (or similar) environment and code versioning tools (git)

  • Knowledge of database systems

What We Offer

  • Competitive compensation

  • Stock options

  • Fully remote work environment

  • Healthcare benefits 

  • 401(k)

  • Unlimited PTO

 

FutureProof strives to be a diverse, equitable and inclusive organization. We look forward to hearing from you!

To apply, please send your resume and a coding sample to info@futureproof.am

Senior Engineering Manager

About You

You want to be a foundational member of the team building our API for delivering our solutions to our partners in the insurance ecosystem. You will work directly with our CTO. Your work will be pivotal to shaping FutureProof's product. 

 

You are an experienced developer and have worked extensively on building scalable applications. You thrive on the ownership of delivering on time and on spec, while influencing the overall software design. You demonstrate tenacity, resilience, and leadership, enabling you to organize and lead projects, overcome challenges, and propose solutions.

 

You want to be part of a company that is changing how insurance and the broader financial sector manage climate risk. You are inspired to bring new climate solutions to the market. You thrive in dynamic environments.

Responsibilities

The Senior Back-End Engineering Manager role is a full-time position. You will be responsible for: 

 

  • Building and managing a team of back-end developers 

  • Developing and maintaining customer-facing API endpoints

  • Building flexible and scalable components for future use

  • Translating designs and business requirements into high quality code

  • Working with our team of analytics and insurance specialists to rapidly iterate on new features and improve the FutureProof customer experience 

 

FutureProof is based primarily in San Diego and the Bay Area, but the job can be done from anywhere.

 

Qualifications

  • 8+ years of experience in development

  • Strong proficiency in Python

  • Deep understanding of database systems

  • Thorough understanding of RESTful APIs 

  • Familiarity with microservices architecture

  • Solid understanding of OOP and software design principles

  • Ability to understand business requirements and translate them into technical requirements

  • Experience working with AWS (or similar) environment and code versioning tools (git)

  • Demonstrated experience hiring and building a team

 

What We Offer

  • Competitive compensation

  • Stock options

  • Fully remote work environment

  • Healthcare benefits 

  • 401(k)

  • Unlimited PTO

 

FutureProof strives to be a diverse, equitable and inclusive organization. We look forward to hearing from you!

To apply, please send your resume and a coding sample to info@futureproof.am