--- title: 'Actuary at Lemonade' canonical: 'https://feeny.ai/job/actuary-lemonade-europe-51gcx9eejmep' type: 'job' last_seen: '2026-10-25' --- # Actuary at Lemonade - **Company:** Lemonade - **Location:** Europe - **Employment:** full-time - **Posted:** 2026-10-19 - **Last confirmed live:** 2026-10-25 - **Apply:** https://jobs.ashbyhq.com/lemonade/d3b7bbe3-365c-4ac0-ab5f-dc919218f9e2 ## Job description We're looking for an Actuary to help us reinvent how actuarial work gets done — with AI, automation, and a genuine drive to find smarter ways forward. Based in Amsterdam, you'll sit at the intersection of finance and insurance, owning core reserving and regulatory work while actively building the faster, leaner workflows that will carry Lemonade's European expansion. We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work. Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools. In this role you'll - Own reserving processes and Solvency II calculations, ensuring accuracy and timeliness across all regulatory submissions - Contribute to key financial reporting deliverables — including SFCR, RSR, ORSA, and QRTs — working closely with the wider team to meet regulatory deadlines - Build and refine AI-driven workflows that make traditional actuarial work faster, leaner, and more scalable - Identify trends in data, translate them into clear insights, and communicate findings that inform real business decisions - Continuously raise the bar on actuarial compliance and professional standards as Lemonade grows across Europe ## What you'll need - 4+ years of non-life actuarial experience, ideally with a focus on personal lines - A Master's degree in Actuarial Science, Econometrics, or a related field - Hands-on experience with reserving and Solvency II capital requirement calculations - Familiarity with data science tools like Python or R, and a genuine comfort working alongside AI and automation - Experience in financial reporting for regulated insurers - The ability to take complex results and communicate them clearly to management and stakeholders - Excellent written and verbal English — this is a must - Ready to work in an office environment most days of the week ## About Lemonade ## Company Overview - **One-liner**: Lemonade is a digital insurance company that uses artificial intelligence and behavioral economics to offer renters, homeowners, pet, car, and life insurance, with a social impact model that donates unused premiums to causes customers choose. - **Entity Type**: Public (NYSE: LMND) - **Headquarters**: New York, New York, USA - **Founded**: 2015 - **Founders**: Daniel Schreiber and Shai Wininger ## Core Business - Primary industry/industries: Insurance (property & casualty, pet, life), Fintech, Insurtech - Target customers: B2C (individuals and families), primarily digitally-native and socially-conscious consumers - Mission or purpose statement: "Create the world’s most loved insurance through technology and social impact." [lemonade.com](https://www.lemonade.com/) Lemonade is a Public Benefit Corporation and certified B-Corp. ## Products & Services For each major offering: - **Renters Insurance**: Coverage for personal belongings and liability, typically acquired in ~90 seconds via the app. - **Homeowners Insurance**: Protection for homes and their contents. - **Pet Health Insurance**: Health coverage for dogs and cats, including accidents, illnesses, and routine care. - **Car Insurance**: Standard auto coverage, plus a new, first-of-its-kind **Autonomous Car Insurance** for self-driving vehicles (launched in 2026, priced ~50% lower than human-driven per-mile rate). [lemonade.com](https://www.lemonade.com/investor) - **Term Life Insurance**: Life insurance policies to protect loved ones. - **Claims Experience**: AI-powered claims processing, with nearly half of claims paid in seconds and a record of 3 seconds to get paid. [lemonade.com](https://www.lemonade.com/) ## Market Standing - **Valuation/Market Cap**: Not publicly available from the provided search results (market cap fluctuates with stock price; check current NYSE: LMND). - **Key Metric (Annual Revenue)**: Q1 2026 revenue grew 71% YoY to $258M. In-force premium (IFP) reached $1.33B, +32% YoY. [lemonade.com](https://www.lemonade.com/investor) - **Notable Investors/Partners**: Reinsured by "the most trusted names on the planet" (A-rated). [lemonade.com](https://www.lemonade.com/) Partnered with Tesla for Autonomous Car insurance. [lemonade.com](https://www.lemonade.com/investor) - **Growth Signals**: 3.14 million customers (+23% YoY); 10th consecutive quarter of accelerating IFP growth; Adj. free cash flow of $17M in Q1 2026; positive Adj. EBITDA expected in Q4 2026. [lemonade.com](https://www.lemonade.com/investor) ## Competitive Advantages - **AI-First, Instant Everything**: Core differentiator is using AI to deliver policies in ~90 seconds and pay claims in seconds, creating a vastly superior customer experience compared to traditional insurers. - **Social Impact Model (Giveback)**: A Public Benefit Corporation and B-Corp. Unused premiums are donated to charities chosen by customers. This aligns customer and company incentives, reducing fraud and building brand loyalty. Over $10M donated. [builtin.com](https://builtin.com/company/lemonade) - **Flat Fee Model**: Lemonade takes a flat fee from premiums to run the business, rather than profiting from denying claims. This aligns the company with its customers. - **First-Mover in Autonomous Car Insurance**: Launched a dedicated product for self-driving cars, pricing risk at ~50% of human-driven rates, positioning them for the future of mobility. [lemonade.com](https://www.lemonade.com/investor) ## Strategic Focus - **Profitability**: The company is focused on reaching positive Adjusted EBITDA by Q4 2026, having already achieved positive adjusted free cash flow. [lemonade.com](https://www.lemonade.com/investor) - **Product Expansion**: Continuing to launch new, innovative products (e.g., Autonomous Car insurance) and bundling existing ones (renters, car, pet, life) to increase customer lifetime value. - **International Growth**: Expanding across the US and EU, with a growing customer base and increasing in-force premiums. ## Why Work Here - **Culture**: Described as a "fast paced, ever changing, zero politics meritocracy." The company values "smart creatives" with "positive energy" and a "passion for building products people love." Emphasis on business impact, self-motivation, and flexibility. [makers.lemonade.com](https://makers.lemonade.com/) - **Remote/Hybrid Policy**: Offers a hybrid workspace (flexible time on-site) in New York and remote roles in the US. In-office roles available in Tel Aviv, Israel and Amsterdam, Netherlands. [builtin.com](https://builtin.com/company/lemonade) - **Notable Perks**: Offers company equity, 401(K), generous parental leave, dental/health/vision insurance, job training + conferences, and free snacks/drinks. [builtin.com](https://builtin.com/company/lemonade) - **Engineering Culture**: Strong emphasis on "makers" who "move fast and spend their time building stuff instead of endless meetings." Tech stack includes Ruby, SQL, Python, R, Snowflake, and MySQL. [builtin.com](https://builtin.com/company/lemonade) ## Sources 1. [lemonade.com](https://www.lemonade.com/) 2. [makers.lemonade.com](https://makers.lemonade.com/) 3. [lemonade.com/investor](https://www.lemonade.com/investor) 4. [builtin.com](https://builtin.com/company/lemonade) 5. [co.linkedin.com](https://co.linkedin.com/company/lemonade-inc-) ## Other roles at Lemonade - [Staff Product Manager, Europe Expansion](https://feeny.ai/job/staff-product-manager-europe-expansion-lemonade-tel-aviv-r3x8c7x70ecn) — Tel Aviv, Israel - [Accounting Manager](https://feeny.ai/job/accounting-manager-lemonade-new-york-qfp3843jpkk7) — New York, NY - [Senior Recruiter](https://feeny.ai/job/senior-recruiter-lemonade-tel-aviv-547cdtb7x6fm) — Tel Aviv, Israel - [Senior Product Manager, Growth Platform](https://feeny.ai/job/senior-product-manager-growth-platform-lemonade-europe-wmds763xzfb3) — Europe - [CLX Car Advocate, File Owner](https://feeny.ai/job/clx-car-advocate-file-owner-lemonade-remote-84x3wsvsdtzp) - [CLX Property Advocate, NL](https://feeny.ai/job/clx-property-advocate-nl-lemonade-europe-3mwpndjx9bb8) — Europe - [SIU Investigator, Auto Claims](https://feeny.ai/job/siu-investigator-auto-claims-lemonade-remote-fzjyazp07tge) - [SIU Investigator, Auto Claims](https://feeny.ai/job/siu-investigator-auto-claims-lemonade-remote-y8k2mk236j3c) - [Customer Experience Specialist, French Market](https://feeny.ai/job/customer-experience-specialist-french-market-lemonade-europe-4ryc239r9qtj) — Europe - [Insurance Product Manager, Car](https://feeny.ai/job/insurance-product-manager-car-lemonade-remote-rpjx9qb3jez3)