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Insurance Risk Analyst Jobs in Tennessee (NOW HIRING)

FM

Sr. Actuarial Analyst - VSIC

Nashville, TN · On-site

  • Medical

  • Retirement

... risk analysis within property/casualty insurance * Experience analyzing portfolio performance ... profitability, and business drivers * Ability to work with incomplete or evolving datasets and ...

FM

Sr. Actuarial Analyst - VSIC

Nashville, TN · On-site

$121K/yr

  • Medical

  • Retirement

... risk analysis within property/casualty insurance * Experience analyzing portfolio performance ... profitability, and business drivers * Ability to work with incomplete or evolving datasets and ...

FM

Sr. Actuarial Analyst - VSIC

Nashville, TN · On-site

$121K - $173K/yr

  • Medical

  • Retirement

... risk analysis within property/casualty insurance * Experience analyzing portfolio performance ... profitability, and business drivers * Ability to work with incomplete or evolving datasets and ...

FM

Sr. Actuarial Analyst - VSIC

Nashville, TN · On-site

  • Medical

  • Retirement

... risk analysis within property/casualty insurance * Experience analyzing portfolio performance ... profitability, and business drivers * Ability to work with incomplete or evolving datasets and ...

FM

Sr. Actuarial Analyst - VSIC

Nashville, TN · On-site

  • Medical

  • Retirement

... risk analysis within property/casualty insurance * Experience analyzing portfolio performance ... profitability, and business drivers * Ability to work with incomplete or evolving datasets and ...

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All JobsInsurance Risk Analyst JobsInsurance Risk Analyst Jobs in Tennessee

Insurance Risk Analyst information

See Tennessee salary details

$44.5K

$75.5K

$141.6K

How much do insurance risk analyst jobs pay per year?

As of Aug 15, 2026, the average yearly pay for insurance risk analyst in Tennessee is $75,547.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,000.00 and $78,500.00 per year, depending on experience, location, and employer.

What are some common challenges faced by insurance risk analysts in evaluating emerging risks?

Insurance Risk Analysts often encounter challenges when assessing emerging risks such as cyber threats, climate change, or new technologies, as there may be limited historical data available. This requires them to continuously update their knowledge, collaborate with underwriters, actuaries, and external experts, and adopt advanced analytical tools to make informed recommendations. Staying proactive in identifying trends and adapting risk models is essential for success in this dynamic environment.

What is an insurance risk analyst?

Insurance Risk Analysts are professionals who assess and analyze potential risks that could affect an insurance company or its clients. They evaluate data and financial information to determine the likelihood and potential cost of events such as accidents, natural disasters, or other losses. Their work helps insurance companies set appropriate premiums and develop strategies to minimize financial loss. Insurance Risk Analysts also monitor trends and provide recommendations to reduce risk exposure.

What is the difference between Insurance Risk Analyst vs Insurance Underwriter?

AspectInsurance Risk AnalystInsurance Underwriter
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like CPCU or ARM beneficialBachelor's degree in finance, economics, or related field; certifications like CPCU or ARM beneficial
Work EnvironmentAnalyzes data, assesses risks, and provides reports; often in an office settingEvaluates applications, determines policy terms, and approves or declines coverage; office-based
Employer & Industry UsageInsurance companies, risk management firms, consulting agenciesInsurance companies, brokerage firms, underwriting agencies

While both roles require similar credentials and work in the insurance industry, Insurance Risk Analysts focus on analyzing and quantifying risks to inform decision-making, whereas Insurance Underwriters evaluate individual applications to determine policy terms. Understanding these differences helps clarify career paths and employer expectations in the insurance sector.

What are the key skills and qualifications needed to thrive as an insurance risk analyst, and why are they important?

To thrive as an Insurance Risk Analyst, you need strong analytical skills, a solid understanding of risk assessment methodologies, and typically a bachelor’s degree in finance, mathematics, or a related field. Familiarity with statistical software, risk modeling tools, and certifications such as Chartered Property Casualty Underwriter (CPCU) or Associate in Risk Management (ARM) are often required. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and presenting findings to stakeholders. These skills ensure accurate risk evaluation, informed decision-making, and the development of effective risk mitigation strategies within insurance organizations.

What does an insurance risk analyst do?

An insurance risk analyst performs a variety of duties related to assessing risks your clients may undergo and how to insure them properly. You collect and analyze data, such as past claims in the industry, competitor pricing, and various risk management strategies to help your company keep costs down. Qualifications for the job include career training, education, and specialized skills. Typically, you need a bachelor’s degree in accounting or finance and some work experience in the industry. Important skills include an excellent eye for detail and strong analytical problem-solving.

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Insurance Risk Analyst jobs near you
Infographic showing various Insurance Risk Analyst job openings in Tennessee as of August 2026, with employment types broken down into 100% Full Time. Highlights an 73% In-person, and 27% Hybrid job distribution, with an average salary of $75,547 per year, or $36.3 per hour.

Sr. Actuarial Analyst - VSIC

FM

Nashville, TN • On-site

Other

Medical, Retirement

This job post has expired today. Applications are no longer accepted.

Job description

Job Description:

Established nearly two centuries ago, FM is a leading mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of policyholders and its policyholder-owners. Velocity Specialty Insurance Company is a new subsidiary of FM that is backed by the financial strength and legacy of FM.

This role supports pricing, portfolio analytics, and business performance for VSIC’s Commercial Excess & Surplus (E&S) portfolio, with a focus on MGA-produced business.

The position combines actuarial modeling, exposure analysis, and financial analytics to inform pricing adequacy, portfolio performance, and underwriting decisions. The role operates in a fast-paced environment with varied data sources and evolving exposure information, requiring strong actuarial judgment, analytical rigor, and business acumen.

The role partners closely with underwriting, finance, and business leadership to translate analysis into actionable insights, while contributing to portfolio monitoring and performance evaluation.

Duties & Responsibilities

1. Pricing, Risk Modeling & Actuarial Judgment (40%)

  • Develop and maintain pricing models for Excess & Surplus (E&S) risks utilizing exposure data, loss experience, and actuarial judgment.

  • Analyze damage curves, severity distributions, and loss trends to support pricing decisions.

  • Estimate expected loss costs and develop technical pricing indications.

2. Portfolio Analytics & Profitability (25%)

  • Evaluate portfolio profitability across multiple segments, including class of business, geography, broker relationships, and product lines.

  • Identify and analyze key drivers impacting loss ratios, rate changes, and overall margin performance.

  • Perform variance analyses to compare expected versus actual results and identify emerging trends.

  • Support portfolio management, underwriting strategy, and business planning initiatives.

3. Data Stratification & Exposure Analysis (25%)

  • Stratify risks based on location characteristics, industry classifications, catastrophe (CAT) exposure, and coverage structure.

  • Organize and transform data into meaningful formats for modeling, analysis, and reporting purposes.

  • Identify patterns, trends, and risk characteristics to support underwriting and portfolio decision-making.

4. Financial Reporting & Performance Tracking (10%)

  • Partner with the Finance team to analyze monthly financial results, including premium, loss ratio, and expense performance.

  • Develop, maintain, and enhance reporting dashboards and management exhibits.

  • Monitor, track, and explain business performance trends to support strategic decision-making.

Skills & Experience

  • Strong foundation in actuarial modeling, pricing, and risk analysis within property/casualty insurance

  • Experience analyzing portfolio performance, profitability, and business drivers

  • Ability to work with incomplete or evolving datasets and translate findings into clear insights

  • Strong analytical and problem-solving skills with the ability to apply actuarial judgment in complex situations

  • Ability to translate technical analysis into business recommendations for underwriting and leadership audiences

  • Experience working with data tools and programming languages (e.g., Excel, SQL, Python, R, or similar)

  • Strong collaboration skills with experience partnering across underwriting, finance, and actuarial functions

  • Strong communication skills, including the ability to explain complex concepts clearly and concisely

  • Ability to manage multiple priorities in a fast-paced, dynamic environment

Qualifications:

  • 7+ of actuarial, pricing, or analytical experience within insurance or reinsurance

  • Experience in property, E&S, or specialty lines strongly preferred

  • Exposure to MGA / delegated underwriting environments a plus

  • Progress toward CAS credential (ACAS/FCAS) or equivalent actuarial qualification preferred

  • Bachelor’s degree in Actuarial Science, Mathematics, Statistics, Finance, or related field required

The final salary offer will vary based on geographic location, individual education, skills, and experience. The position is eligible to participate in FM’s comprehensive Total Rewards program that includes an incentive plan, generous health, and well-being programs, a 401(k), career development opportunities, tuition reimbursement, flexible work, time off allowances, and much more!  

FM is an Equal Opportunity Employer and is committed to attracting, developing, and retaining a diverse workforce. 

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About FM

Sourced by ZipRecruiter

Industry

Plastics product manufacturing

Company size

51 - 200 Employees

Headquarters location

Rogers, AR, US

Year founded

1980

Social media

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