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AI Policy Renewal Risk Predictor

Carter Andersen

Full-time · Job · Chicago

About the role

An insurance carrier's most profitable moment is policy renewal — no acquisition cost, known risk profile, and established relationship. But 22% of policies don't renew, and carriers often don't know why until the customer is already gone. Our renewal risk model predicts non-renewal 60 days before expiration, giving retention teams enough time to intervene. The prediction features combine policy characteristics (coverage type, premium changes, claims history), behavioral signals (payment patterns, service interactions, quote comparisons), and market context (competitor pricing, regulatory changes). You'll build the model that turns these heterogeneous signals into calibrated risk scores that agents use to prioritize outreach. The insurance analytics team is six people. You'll be the senior modeler working with an actuary who validates risk assumptions and a retention strategist who designs the interventions triggered by model scores.

Responsibilities

  • Build renewal risk prediction models from policy, behavioral, and market signals
  • Design features capturing early warning signs of non-renewal
  • Calibrate risk scores for actionable retention intervention thresholds
  • Measure intervention effectiveness for model-triggered outreach
  • Validate predictions against realized renewal outcomes
  • Collaborate with actuaries on risk assumption validation

Requirements

  • 5+ years in predictive analytics with insurance or financial services focus
  • Experience with survival analysis, churn modeling, or retention prediction
  • Strong Python, SQL, and distributed computing skills
  • Understanding of insurance operations and policy lifecycle
  • Ability to calibrate predictions for business decision thresholds

Benefits

  • Fully remote with quarterly team meetings
  • Competitive salary plus annual bonus
  • Comprehensive health, dental, and vision
  • 401(k) with 5% match
  • $4,000 annual professional development fund

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Categories

AI & Machine Learning Engineers data science & analytics

Skills

python pytorch sql spark statistics

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Job Type

Full-time

Level

Senior

Language

English

Salary Range

$130k – $160k / year

AI Expertise

AI & Machine Learning Engineers data science & analytics

Skills

python pytorch sql spark statistics docker

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