Senior Underwriter, French Market

Not your everyday company

Lemonade completely reinvented how insurance works. As a customer-centric tech company, we created an insurance experience that is smart, instant, and delightful.

At Lemonade, you'll be working with a group of like-minded makers, who get a kick out of moving fast and delivering great products. We surround ourselves with some of the smartest, most motivated, creative people who are filled with positive energy and good karma.

Unlike most publicly traded companies, we're nimble and efficient. We take pride in the fact that we still think and operate like a startup. We don't care much about titles and hierarchy and instead focus on innovation, bold moves, and challenging the status quo.

We're built as a lean, data-driven organization that relies on a common understating of objectives and goals to provide teams with autonomy and ownership. We don't like spending our days in meetings and we skip committees altogether. At Lemonade, there's no such thing as going over someone's head. We have zero tolerance for bureaucracy, office politics, and lean-back personalities.

As a Public Benefit Corporation and a certified B-Corp, we deliver environmental and social impact using our products and tech. Through our Giveback program, we partner with organizations such as the ACLU, New Story, The Humane Society, Malala Fund, American Red Cross, 360.org, charity: water, and dozens of others, and have donated millions towards reforestation, education, animal rights, LGBTQ+ causes, access to water, and more.

Awarded 'best workplace'

Best Workplace and Best-Led Company by Inc. Magazine

"World Changing" by Fast Company

Recognized as a World Changing Idea by Fast Company Magazine

Ranked #1 Home insurance in America

Won best renters and homeowners insurance in America by US News, and others

Best Pet Insurance in America

Rated "Best Overall Pet Insurance" by Better Homes & Gardens

Rated 4.9 on the App Store

Among the highest rated apps of all time

What you're applying for

We're looking for an outstanding underwriting strategist with expertise in personal lines property and casualty insurance, risk evaluation, and proven experience in executing and managing underwriting strategies. If you're analytically minded, hands-on, and an aggressive self-starter, this one's for you!

You'll be a central member of our Insurance team in Europe, working closely with stakeholders in the Customer Experience, Claims, and Product teams. We'll look to you to own and enhance our European underwriting strategy and bring forward measures to improve the quality and performance of our book.

What you'll need

• 5 + years of underwriting experience in personal lines property, liability, or car insurance
• Deep knowledge of policy forms, terms & conditions, guidelines, and French law and regulation
• Track record of managing a profitable, growing book of business
• Experience working cross-functionally to develop and launch new products
• Skilled at analyzing complex datasets, uncovering actionable insights, and informing strategic decisions
• Data-driven and tech savvy, with plenty of independence, drive, and optimism
• Comfortable and experienced dealing with senior-level stakeholders
• You're an all-around team player who learns fast, is eager to solve problems, and loves getting shit done!

What you'll do

• Drive profitable growth through sustainable risk selection, balancing ambitious growth targets and profitability
• Own the underwriting strategy and roadmap for the French market, spanning risk selection, non-renewal strategy, mid-term rules and anti-fraud processes
• Own the delivery of your strategy and roadmap, including implementation of new processes
• Identify and reduce risk across key touchpoints to cut down on claims and premium leakage
• Scout and integrate new data sources and external partners to level up our underwriting capabilities
• Use Excel and dashboards to analyze trends, uncover opportunities, and shape underwriting decisions (ability to use SQL is a plus)
• Contribute to new product development, crafting guidelines and processes that support new product launches
• Collaborate with our insurance product team to draft policy wordings
• Work closely with our Compliance team to ensure our underwriting stances and processes are complaint and treating customers fairly
• Enthusiasm about learning and adapting to the exciting world of AI - a commitment to exploring this field is a fundamental part of our culture.

Things to know...

Lemonade is an equal opportunity employer committed to diversity and inclusivity. We never discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. If you require reasonable accommodations due to religious beliefs, pregnancy, or disabilities, let us know at any time.