Product Performance Actuary (Mortality Analytics)

About the role

Ethos, a life insurance technology company, is looking for an experienced actuary to lead its mortality analytics and actuarial assumption modeling. The role serves as the company's expert on mortality, turning complex insights into strategies that improve product competitiveness and financial integrity. It is a remote position in the US.

Key responsibilities

• Own mortality-related assumptions and other actuarial inputs across product development, forecasting and financial reporting.
• Lead the development and maintenance of expected mortality models, assumption frameworks and experience studies.
• Use data such as post-issue audit results and mortality risk scores to predict mortality before experience is fully credible.
• Monitor actual-to-expected mortality experience and work with underwriting and data science teams.
• Design and complete protective value studies to quantify the mortality lift of underwriting requirements.
• Measure the impact of applicant behavior on expected mortality and mortality curve shapes.
• Use AI to speed up insights and maximize business impact.
• Act as the mortality subject matter expert, advising senior leaders internally and engaging with key partners externally.

Required profile

• FSA or near-FSA designation preferred; experienced ASA candidates considered.
• 5+ years of life insurance actuarial experience with exposure to both mortality and underwriting models.
• Ability to turn third-party data, post-issue audits and other leading indicators into expected mortality outcomes.
• Experience setting assumptions for life insurance pricing, forecasting or valuation across a broad range of products.
• Track record of working with finance, product and underwriting teams.

Required skills

• Statistical modeling in R or Python.
• Modern data tools and pipelines such as SQL, dbt and Snowflake.
• Excel and actuarial modeling tools.
• Communication skills to explain technical work to non-actuarial audiences.