Data Scientist II, Actuarial Research

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The Opportunity

We believe that a disruptive insurance company must have a principled quantitative framework at its foundation. At Root, we are committed to the rigorous development and effective deployment of modern statistical machine learning methods to problems in the insurance industry.

A Data Scientist II at Root is responsible for the end-to-end development of statistical methods and algorithms. This includes taking high-level business challenges, translating them into a concrete, quantitative framework, and guiding solutions from R&D into production. Data Scientists typically work on cross-functional teams, regularly engaging with the members of various departments including Product, Actuarial, Marketing, and Engineering.

The Actuarial Research team partners closely with Actuarial, Lifetime Value (LTV), and Forecasting to standardize key assumptions that inform Root’s profitability goals and to recommend business actions that support those targets. To advance this work, we are looking for a Data Scientist II to enhance how Root incorporates external factors—such as historical weather and economic data—as well as internal business decisions into profitability assessments. This role will also focus on developing conversion and retention models, enabling the team to anticipate customer response to proposed actions and ensure that recommended changes support both financial and customer outcomes.

Root is a “work where it works best” company, meaning we will support you working in whatever location that works best for you across the US. We will continue to have our headquarters in Columbus to give more flexibility and more choice about how we live and work.

Salary Range: $116,664 - $145,830 (Bonus and LTI Eligible)

How You Will Make an Impact

• Develop statistical and machine learning models to assess how pricing and business decisions influence policyholder conversion and retention.

• Quantify the impact of external factors—such as economic conditions and weather events—on profitability, customer behavior, and market dynamics.

• Integrate Root’s internal business actions (e.g., rating and underwriting changes) into profitability frameworks to enable more accurate performance projections.

• Communicate insights from complex analyses in clear, actionable terms to cross-functional stakeholders, ensuring alignment and effective decision-making.

• Take ownership of problem domains and continuously refine quantitative solutions to ensure they are robust, scalable, and impactful over time.

What You Will Need to Succeed

• Advanced degree in a quantitative discipline (Master’s or PhD preferred) and 2+ years of experience applying advanced quantitative techniques, ideally in the insurance industry

• Strong programming skills with experience in SQL and Python

• Demonstrates ownership mentality, taking initiative to find, prioritize, and be accountable for the highest impact work

• Strong communication and data storytelling skills, with the ability to visualize insights and clearly explain complex technical concepts to both technical and non-technical stakeholders

• Ability to frame functional problem statements for the next 1-2 months, consistently making good decisions about the right path to follow in a well-defined problem space

• Preferred but not required:

  • Experience using version control (Git) and cloud computing (AWS)

  • Familiarity with elasticity models and related econometric techniques

 

Don’t meet every single requirement?

Studies have shown that women and people of color are less likely to apply to jobs unless they meet every single qualification. At Root, Inc., we are dedicated to building a diverse and inclusive workplace, so if you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway!

Join us

At Root, we judge people based on the merit of their work, not who they are. If you are passionate about what this role entails and solving real problems, we encourage you to apply. We want to learn about you and what you can add to our team.

Who we are

We’re harnessing the power of technology to revolutionize insurance. Using machine learning and mobile telematic platforms, we’ve built one of the most innovative FinTech companies in the world. And we’re just getting started.

What draws people to Root

Our success is in large part due to our unwavering standards in hiring. We recognize that our products are only as good as the people building and promoting them. We want individuals who find solutions by going through the cycle of ideation to implementation with curiosity, rigor, and an analytical lens. Ask anyone who works here and you’ll hear similar reasons for why they joined:

Autonomy—for assertive self-starters, the opportunities to contribute are limitless.

Impact—by challenging the way it’s always been done, we solve problems that have a big impact on our business.

Collaboration—we encourage rich discussion and civil debate at every turn.

People—we are inspired by the collection of crazy-smart people around us.