Actuarial Analyst

We don't just provide health insurance—we deliver the kind of healthcare that people deserve. The Actuarial team at Clover combines rigorous analytics with innovative technology to solve complex healthcare challenges and improve outcomes for our members. Our actuaries play a critical role in driving financial performance, evaluating business strategies, and helping shape the future of Medicare Advantage.

We're looking for a highly analytical and intellectually curious Actuarial Analyst to join Clover's actuarial rotational program. This role is designed to provide broad exposure to multiple actuarial disciplines while building a strong technical foundation in Medicare Advantage.

As an Actuarial Analyst, you'll work alongside experienced actuaries and business leaders on projects spanning financial forecasting, reserving, medical economics, pricing, value-based care, revenue and risk adjustment analysis, and operational strategy. Through rotational assignments, you'll develop a comprehensive understanding of the Medicare Advantage business while building the analytical, technical, and business skills needed for long-term success.

This role is ideal for candidates who enjoy solving challenging problems, working with large datasets, and using quantitative analysis to influence business decisions.

As an Actuarial Analyst, you will:

• Perform quantitative analyses that support key actuarial functions, including financial forecasting, medical cost analysis, revenue optimization, reserving, pricing, risk adjustment, and value-based care initiatives.
• Develop and maintain analytical models using actuarial principles, statistical methods, and large healthcare datasets to evaluate financial performance, identify trends, and support strategic decision-making.
• Partner with actuaries and cross-functional business leaders to analyze operational and financial performance, investigate emerging trends, and develop data-driven recommendations.
• Prepare reports, dashboards, and executive presentations that communicate complex analytical findings and support business planning, forecasting, and performance monitoring.
• Support enterprise financial planning by analyzing medical costs, revenue drivers, risk adjustment performance, utilization trends, and other key business metrics across the Medicare Advantage business.
• Identify opportunities to improve processes and automate analyses using SQL, Excel, Python, and other AI analytical tools.
• Participate in rotational assignments across multiple actuarial disciplines to develop broad business knowledge and technical expertise while contributing to strategic initiatives across the organization.
• Support special projects and innovation initiatives that improve healthcare affordability, operational performance, member outcomes, and enterprise financial results.

Success in this role looks like

• In your first 90 days, you will: Build relationships across the Actuarial organization and become familiar with Clover's Medicare Advantage business. Learn Clover's analytical tools, financial models, and reporting processes. Contribute to recurring analyses while developing a strong understanding of actuarial methodologies and business operations.
• After 6 months, you will: Independently own recurring analyses and deliver accurate, timely insights to support business decision-making. Develop technical expertise in actuarial modeling, healthcare analytics, and financial forecasting. Successfully complete your first rotational assignment while building relationships across multiple actuarial functions.
• Future success in this role includes: Becoming a trusted analytical partner to business leaders and cross-functional teams. Developing expertise across multiple actuarial disciplines before transitioning into a specialized role. Continuing progress toward actuarial credentials while building a long-term career at Clover.

You should get in touch if you have:

• Experience: 2-4 years of experience in healthcare finance, analytics, actuarial, consulting, strategy, operations, or a related field. Successful completion of one or more Society of Actuaries (SOA) exams is required.
• Industry Knowledge: Experience in Medicare Advantage, managed care, or value-based healthcare preferred.
• Analytical Skills: Strong quantitative, analytical, and problem-solving skills with the ability to work with large datasets and complex business questions.
• Technical Skills: SQL and Excel skills required; experience with Python, R, AI tools, Github, and business intelligence platforms preferred.
• Communication: Strong communication and presentation skills with the ability to translate complex analyses into actionable business insights.

Benefits Overview:  

• Financial Well-Being: Our commitment to attracting and retaining top talent begins with a competitive base salary and equity opportunities. Additionally, we offer a performance-based bonus program, 401k matching, and regular compensation reviews to recognize and reward exceptional contributions.
• Physical Well-Being: We prioritize the health and well-being of our employees and their families by providing comprehensive medical, dental, and vision coverage. Your health matters to us, and we invest in ensuring you have access to quality healthcare.
• Mental Well-Being: We understand the importance of mental health in fostering productivity and maintaining work-life balance. To support this, we offer initiatives such as No-Meeting Fridays, monthly company holidays, access to mental health resources, and a generous flexible time-off policy. Additionally, we embrace a remote-first culture that supports collaboration and flexibility, allowing our team members to thrive from any location. 
• Professional Development: Developing internal talent is a priority for Clover. We offer learning programs, mentorship, professional development funding, and regular performance feedback and reviews.

Additional Perks:

• Employee Stock Purchase Plan (ESPP) offering discounted equity opportunities
• Reimbursement for office setup expenses
• Monthly cell phone & internet stipend
• Remote-first culture, enabling collaboration with global teams
• Paid parental leave for all new parents
• And much more!

About Clover: We are reinventing health insurance by combining the power of data with human empathy to keep our members healthier. We believe the healthcare system is broken, so we've created custom software and analytics to empower our clinical staff to intervene and provide personalized care to the people who need it most.

We always put our members first, and our success as a team is measured by the quality of life of the people we serve. Those who work at Clover are passionate and mission-driven individuals with diverse areas of expertise, working together to solve the most complicated problem in the world: healthcare.

From Clover’s inception, Diversity & Inclusion have always been key to our success. We are an Equal Opportunity Employer and our employees are people with different strengths, experiences, perspectives, opinions, and backgrounds, who share a passion for improving people's lives. Diversity not only includes race and gender identity, but also age, disability status, veteran status, sexual orientation, religion and many other parts of one’s identity. All of our employee’s points of view are key to our success, and inclusion is everyone's responsibility.

#LI-REMOTE

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. We are an E-Verify company.

Final pay is based on several factors including but not limited to internal equity, market data, and the applicant’s education, work experience, certifications, etc.

A reasonable estimate of the base salary range for this role is:$90,000—$110,000 USD