---
title: 'Senior Backend Engineer, Pricing Platform at Lemonade'
canonical: 'https://feeny.ai/job/senior-backend-engineer-pricing-platform-lemonade-europe-srnnwyww3pk7'
type: 'job'
last_seen: '2026-11-08'
---

# Senior Backend Engineer, Pricing Platform at Lemonade

- **Company:** Lemonade
- **Location:** Europe
- **Employment:** full-time
- **Posted:** 2026-11-05
- **Last confirmed live:** 2026-11-08
- **Apply:** https://jobs.ashbyhq.com/Lemonade/501ec749-6957-4e5d-ba8a-8ba14abd4973

## Job description

We're looking for a Senior Backend Engineer to help build the core systems that price insurance for millions of customers. You'll join our Pricing Team in Amsterdam, where complex analytics meets high-performance engineering. You'll work alongside actuaries to turn their insights into code that scales, from our homegrown domain-specific language to AI-powered research pipelines. 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

- Design and build core rating services that calculate prices for products used by millions
- Architect systems across TypeScript, Rust, and Python, each solving a different kind of problem
- Build AI-powered research pipelines that help actuaries discover new pricing patterns
- Create SDKs and code patterns that other teams can build on
- Optimize performance-critical systems where milliseconds shape the customer experience
- Partner with actuaries to turn complex mathematical models into scalable code
- Lead technical decisions on architecture, interfaces, and design patterns

## What you'll need

- 10+ years of experience building backend systems
- Deep experience with system design and architectural decision-making, beyond API development
- Strong proficiency in one backend language (TypeScript, Rust, or Python) and the ability to pick up the others quickly
- A track record of designing complex systems from scratch, including the interfaces and abstractions
- Experience building performance-optimized systems where technical choices directly affect business outcomes
- A degree in Computer Science, Engineering, or equivalent experience
- Ready to work in an office environment most days of the week
- Nice to have:
- Experience with ML and Data science pipelines.
- Experience with vectorization frameworks like JAX.

## 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

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- [Actuarial Manager](https://feeny.ai/job/actuarial-manager-lemonade-remote-3jyh2zxppgnb)
- [Senior Backend Engineer, Growth Platform](https://feeny.ai/job/senior-backend-engineer-growth-platform-lemonade-europe-mnd50c53e3rk) — Europe
- [User communications Product leader](https://feeny.ai/job/user-communications-product-leader-lemonade-tel-aviv-gmb3zmnjts7s) — Tel Aviv, Israel
- [CLX Property Advocate, NL](https://feeny.ai/job/clx-property-advocate-nl-lemonade-europe-vt9m89sfb6zb) — Europe
- [Actuarial Associate, UK](https://feeny.ai/job/actuarial-associate-uk-lemonade-united-kingdom-jtg5x22qe84p) — United Kingdom
- [Staff Product Manager, Europe Expansion](https://feeny.ai/job/staff-product-manager-europe-expansion-lemonade-tel-aviv-qbr9g44hsx3v) — Tel Aviv, Israel
- [Accounting Manager](https://feeny.ai/job/accounting-manager-lemonade-new-york-egbtbrggmwzb) — New York, NY
- [Senior Recruiter](https://feeny.ai/job/senior-recruiter-lemonade-tel-aviv-m58qns3p71j4) — Tel Aviv, Israel
- [Senior Product Manager, Growth Platform](https://feeny.ai/job/senior-product-manager-growth-platform-lemonade-europe-qrynjze75k16) — Europe