Junior Actuary

About the position 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 Curative’s 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 science. In 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 Curative’s growth and success.

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

Requirements

• 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
• Bachelor’s degree in business, finance, economics, mathematics, statistics, economics, actuarial science, business, computer science or related degree
• Experience with excel

Nice-to-haves

• 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.

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
• Flexible work options: remote and in-person opportunities
• Generous PTO policy plus 11 paid annual company holidays
• 401K for full-time employees
• Generous Up to 8–12 weeks paid parental leave, based on role eligibility.