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Insurance Risk Analyst Jobs in Texas (NOW HIRING)

Indeed

Senior Insurance Analyst

Austin, TX · On-site

Maintain and update risk management documentation (e.g., certificates of insurance, local policies) to ensure accuracy and consistency across entities. * Partner with Finance to ensure premium ...

Prologis

Risk Management Analyst

Dallas, TX

$75K - $110K/yr

The role supports risk decisions through insurance, loss control, analytics, and emerging-risk work. You will partner with internal teams, brokers, insurers, and risk engineers to identify exposures ...

SWBC

Senior Product Financial Risk Analyst

San Antonio, TX · On-site

$77K - $96K/yr

As a Senior Product Financial Risk Analyst, you will play a key role in developing and ... Actuarial or Insurance experience required. * Advanced knowledge of data analysis tools and ...

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Insurance Risk Analyst information

See Texas salary details

$45.7K

$77.5K

$145.3K

How much do insurance risk analyst jobs pay per year?

As of Sep 10, 2026, the average yearly pay for insurance risk analyst in Texas is $77,548.00, according to ZipRecruiter salary data. Most workers in this role earn between $60,600.00 and $80,600.00 per year, depending on experience, location, and employer.

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 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.

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 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 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.

How much do insurance risk analysts get paid?

Insurance risk analysts typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn over $100,000 annually.

How much does an insurance risk analyst make?

The average salary for an insurance risk analyst is around $70,000 to $90,000 per year, depending on experience, location, and industry. Entry-level positions typically start lower, while experienced analysts with certifications can earn higher salaries. Skills in data analysis and risk assessment tools are often required for higher-paying roles.

Is an insurance risk analyst a good career?

An insurance risk analyst is a professional who assesses and manages risks for insurance companies, often requiring strong analytical skills and knowledge of insurance policies. The role offers opportunities for career growth, stability, and the potential for specialization in areas like underwriting or data analysis, with many positions requiring relevant certifications or degrees. Overall, it can be a stable and rewarding career for those interested in finance, risk management, and data analysis.
More about Insurance Risk Analyst jobs

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Insurance Risk Analyst jobs near you
Infographic showing various Insurance Risk Analyst job openings in Texas as of September 2026, with employment types broken down into 100% Full Time. Highlights an 74% In-person, and 26% Hybrid job distribution, with an average salary of $77,548 per year, or $37.3 per hour.

Senior Product Financial Risk Analyst

San Antonio, TX • On-site

SWBC
Finance and Insurance • 1 - 5K employees
Learn more about SWBCexternal

Full-time

Medical, Retirement

Posted 19 days ago

SWBC rating

6.5

Company rating: 6.5 out of 10

Based on 17 frontline employees who took The Breakroom Quiz

Job description

SWBC is seeking a talented individual to work with senior leadership and actuaries to ensure adequate reserving of insurance products and effective product pricing.

Why you'll love this role:

In this role, you will be part of a diverse and collaborative team of financial analysts, data analysts, and product leaders. As a Senior Product Financial Risk Analyst, you will play a key role in developing and communicating the risk management position through data-driven insights utilizing internal and external data. This position gives significant executive exposure, business impact, and strategic influence.

Essential duties include the following:

  • Applies innovative and scientific/quantitative analytical approaches to data driven recommendations supporting business objectives.
  • Collaborates with actuaries to develop current risk exposure estimates utilizing statistical methods and industry/economic indicators.
  • Effectively presents and communicates complex data findings to business leaders to help the organization meet challenges and achieve goals. Provides recommendations on the use of information.
  • Identifies and track financial risk factors impacting from customer, operations and industry indicators.
  • Supports financial recording, documentation and communication of financial risk decisions with accounting and external auditors.
  • Manages Contingent Commission or other Profit Sharing agreements, internal recordings and reconciliations with carriers.
  • Mentors, develops and educates other analysts and business partners in complex financial analysis.
  • Performs all other duties as assigned.

Serious candidates will possess the minimum qualifications:

  • Bachelor's degree in quantitative analytics field such as Accounting, Business Analytics, Actuarial Sciences, Finance, Economics, Statistics or related field.
  • Relevant advanced degrees and certifications.
  • Five (5) years in an analytical role required.
  • Actuarial or Insurance experience required.
  • Advanced knowledge of data analysis tools and techniques
  • Verbal and written communication skills.
  • Ability to communicate and interact effectively across levels and skillsets.
  • Ability to work collaboratively and build relationships.

SWBC offers*:

  • Competitive overall compensation package
  • Work/Life balance
  • Employee engagement activities and recognition awards
  • Years of Service awards
  • Career enhancement and growth opportunities
  • Leadership Academy and Mentor Program
  • Continuing education and career certifications
  • Variety of healthcare coverage options
  • Traditional and Roth 401(k) retirement plans
  • Lucrative Wellness Program

*Based upon employee eligibility

Additional Information:

SWBC is a Substance-Free Workplace and requires pre-employment drug testing.

Please note, SWBC does not hire tobacco users as allowed by law.

To learn more about SWBC, visit our website at www.SWBC.com. If interested, please click the appropriate apply button.

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