Data Analyst

We're looking for a Data Analyst to help turn Finance, Compliance, Insurance, and Actuarial questions into trusted answers and shipped analytical capabilities. You'll sit inside the FCIA team as the embedded data expert, working alongside Finance, Actuarial, Insurance Product, and Compliance leaders on the numbers that actually drive decisions — the metrics that shape how we price risk, manage reserves, close the books, and report to regulators, owned and governed by you, not passed off through a ticket queue.

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 metric definitions for FCIA domains in the semantic layer — loss ratio, premium earning, reserves, unit economics by product and state — so every dashboard, query, and AI agent pulls from the same source of truth

• Diagnose what's driving movement across loss ratios, reserve adequacy, premium pacing, and expense trends, and bring those findings into the Finance close cadence and monthly reviews where decisions actually get made

• Build AI-assisted analytical tools — simulators, scenario models, agentic workflows — that let Finance and Actuarial partners explore "what if" questions without booking analyst time

• Productionize recurring analyses so ad-hoc requests get replaced by governed, reusable capabilities that free the team up for higher-leverage work

• Validate AI-generated outputs — SQL, summaries, recommendations — with the same rigor you'd apply to a junior analyst's work, because speed without judgment isn't useful

• Partner across Engineering, Biz Ops, Insurance Product, Actuarial, and Finance on data projects that span the full policy lifecycle and financial close

What you'll need

• 3+ years in a data analytics role, ideally at a fast-growing consumer, fintech, or insurtech company

• Advanced SQL and working proficiency in Python or R for analysis, scripting, and lightweight tooling-a MUST to qualify for this role

• Hands-on experience with the modern analytics stack — Snowflake or equivalent, dbt, a BI tool (Looker preferred), and Git-based workflows

• Fluency with AI-assisted development tools like Cursor, Claude, or Copilot — and the judgment to know when the output needs to be challenged

• Strong communication skills: you can defend a metric definition under scrutiny and explain a complex finding to a non-technical Finance leader without losing either audience

• A bachelor's degree in Mathematics, Statistics, Computer Science, or a related field — or equivalent practical experience

• Ready to work in an office environment at least 3 days a week from our New York location

*Please note that we are unable to sponsor applicants for work visas.

Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico.

Lemonade's US base salary range for this full-time position is $95,000 - $117,500 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Speak to your recruiter to hear more about the specific salary range for your preferred location.

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