Junior Actuary

About Curative

Curative is building the future of health insurance with a first-of-its-kind employer-based plan designed to remove financial barriers and make care truly accessible: one monthly premium with $0 copays and $0 deductibles*. Backed by our recent $150M in Series B funding and valuation at $1.275B Curative is scaling rapidly and investing in AI-powered service deeper member engagement and a smart network designed for todays workforce.

Our north star guides everything we do: healthcare only works when people can actually use it. That belief drives every decision we make: from how we design our plan support our members to how we collaborate as a team.

If you want to do meaningful work with a team that moves fast experiments boldly and cares deeply Curative is the place to do it. Were growing fast and looking for teammates who want to help transform health insurance for the better.

SUMMARY
Curative is reimagining health insurance - with straightforward pricing and $0 out of pocket costs with a baseline visit. Help us create a better healthcare experience for our members by making it easy & intuitive for them to access the care they need. We are seeking a Junior Actuary to support Curatives pricing and portfolio strategy team. This will be a unique actuarial role combining traditional actuarial responsibilities (i.e. data science experience studies pricing) with operational and strategic ownership (interaction and ownership of key matrix relationships with sales account management underwriting and operational executives). This role will be a key contributor to the broader company as Curative expands and grows. This is a great opportunity for a recent college graduate to kickstart their career in actuarial this role you will assist with data analysis pricing support and portfolio management while gaining valuable hands-on experience. You will collaborate closely with other teams such as Sales Account Management Underwriting and Operations to help drive Curatives growth and success.

This role is in Austin TX

PRIMARY RESPONSIBILITIES

• Assist with developing pricing strategies to support growth and profitability goals
• Collaborate with senior actuaries to refine underwriting guidelines and procedures
• Analyze Curative data (e.g. claims member interactions) to support pricing and strategy decisions
• Help in calculating group rates for new business and renewals based on group experience industry location and demographics
• Contribute to the preparation of executive reports on actuarial and financial metrics
• Maintain communication with internal teams to support various actuarial projects and initiatives
• Support day-to-day actuarial tasks and assist with ad-hoc analysis
• Assist where needed on high-priority underwriting requests (e.g. final peer review actuarial troubleshooting of rate build up)
• Performs other projects and duties in support of the company as required

QUALIFICATIONS
To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions:

• Strong analytical skills and creative problem-solving abilities with attention to detail
• Able to translate and effectively communicate results and implications of actuarial data financial and underwriting analyses
• Ability to effectively coordinate and manage matrix stakeholders to execute on projects and priorities
• Capable of independently driving multiple projects and workstreams
• Excellent organizational and time management skills

EDUCATION and/or EXPERIENCE

• Bachelors degree in business finance economics mathematics statistics economics actuarial science business computer science or related degree
• Experience with excel
• Experience in health insurance industry data analysis or data management a plus
• Knowledge of SQL and relational databases a plus
• Progress towards Associate of the Society of Actuaries (ASA) designation with some exams passed. Full ASA designation is not required at the time of hire but is preferred.

Perks & Benefits

• Curative Health Plan (100% employer-covered medical premiums for you and 50% coverage for dependents on the base plan.)

  • $0 copays and $0 deductibles (with completion of our Baseline Visit )

  • Preventive and primary care built in

  • Mental health support (Rula Televero Two Chairs Recovery Unplugged)

  • One-on-one care navigation

  • Chronic condition programs (diabetes weight hypertension)

  • Maternity and family planning support

  • 24/7/365 Curative Telehealth

  • Pharmacy benefits

• Comprehensive dental and vision coverage

• Employer-provided life and disability coverage with additional supplemental options

• Flexible spending accounts

• Generous PTO policy plus 11 paid annual company holidays

• 401K for full-time employees

• Generous Up to 812 weeks paid parental leave based on role eligibility.