Credit Risk Analyst Jobs in San Diego, CA

Financial & Deal Analyst - Reinsurance & MGA (AI-First)

• Work directly with senior leadership | Lean, AI-first, fast-growing platform
• Hybrid, Full-Time, 8:00-5:00, Monday-Friday. San Diego, CA.
• Being authorized to work in the U.S. is a precondition of employment.
• Exempt/Salary: $95,000-$125,000, plus performance bonus, 401(k) match, and health and welfare benefits.

You will work directly with senior leadership on a lean, fast-growing specialty reinsurance platform, with a hand in live deals from first submission to bound contract. You will learn to analyze and evaluate real capital-at-risk transactions on a steep, compressed curve, close to the people making the calls. This is a hands-on analytical seat, not a rotational program and not a back-office role.

We are building a specialty insurance and reinsurance platform with live transactions across reinsurance, MGA/fronting, program business, property and casualty insurance, and collateralized reinsurance. We use AI as a real force multiplier to move fast, then verify every important number against source documents before we commit capital. Verification-first, AI-leveraged.

This is not a narrow actuarial role, not a traditional project-management role, and not an executive-assistant role. The right person is quantitatively strong, relentlessly organized, clear in writing, comfortable with ambiguity, and hungry to learn a technical market fast. You do not need an insurance background; we care about how you think and how fast you learn, not your pedigree.

What You'll Do

You will start by producing the work below for review, and grow into more judgment as you earn it.

• Turn raw broker submissions into clean, decision-ready packages: digest decks, loss runs, exposure data, and exhibits into something the team can act on quickly.

• Build the financial models used to evaluate deals: premium, expected loss, expenses, collateral, downside scenarios, and underwriting margin.

• Rebuild the numbers from source. Flag where an assumption looks soft, information is missing, or a deal could break, and bring it to the team rather than taking any figure on face value.

• Draft deal memos, broker emails, diligence requests, internal summaries, board materials, and contract comment trackers.

• Support contract review and program buildout: reinsurance terms, collateral and reporting provisions, claims provisions, fronting carrier diligence, reinsurer materials, underwriting guidelines, and exposure tracking.

• Run the deal pipeline so nothing slips: status, deadlines, dependencies, open questions, and next steps.

• Own the knowledge base and document flow so the team operates from a single source of truth.

• Use AI tools such as ChatGPT, Claude, and Excel to move faster on analysis, drafting, and research, then verify the output before it is used.

Who You Are

We care more about how you think and operate than a specific resume path.

• Highly analytical, quantitatively strong, and comfortable with financial logic.

• Strong in Excel and able to build clean, auditable models.

• Clear, concise, and effective writer.

• Highly driven, proactive, and comfortable taking ownership of ambiguous problems.

• Able to learn technical concepts quickly and ask good questions.

• Organized enough to keep multiple live workstreams moving at once.

• Able to form a view from incomplete information and show your assumptions clearly, while understanding that final underwriting and capital decisions are made by senior leadership.

• Detail-oriented without losing the commercial big picture.

• Discreet with confidential and market-sensitive information.

• AI-native, but not AI-dependent: you use AI tools to move faster, and you verify before anything goes out.

Background

• 1-5 years of analytical experience preferred; an exceptional early-career candidate with the right horsepower will be considered.

• Strong quantitative degree or equivalent demonstrated analytical ability (finance, economics, actuarial science, statistics, applied mathematics, engineering, operations research, data science, computer science, or related).

• Strong Excel and financial modeling skills, and excellent written communication, are required.

• Exposure to insurance, reinsurance, MGA/program business, finance, credit risk, banking, consulting, or analytics is helpful but not required.

• Python, SQL, Power BI, Claude Code, Codex, GitHub Copilot, or workflow-automation experience is a plus.

We are an Equal Opportunity Employer.