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Insurance Risk Analyst Jobs in San Jose, CA (NOW HIRING)

Waymo

Insurance Risk Management Analyst

Mountain View, CA · On-site

$125K - $152K/yr

Commercial insurance operations experience within a corporate risk management department, commercial insurance brokerage, or underwriting organization. * Analytical and quantitative aptitude ...

Google

Risk Analyst

Sunnyvale, CA · On-site

... analytics related experience in an insurance or financial services environment ... Experience with risk management, insurance, and captive insurance companies. * Experience working ...

US Bank

Credit Risk Analyst

San Francisco, CA · Hybrid

The organization's risk management structure is designed to promote effective governance and risk ... Basic term and optional term life insurance * Short-term and long-term disability * Pregnancy ...

Lead

Senior Fintech Risk Analyst

San Francisco, CA · On-site

$122.72 - $137.50/hr

We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in ... Analyze 4th-Party Risk Ecosystems: Conduct the risk analysis and due diligence for 4th-party ...

Lead

Senior Fintech Risk Analyst

Sunnyvale, CA · On-site

$122.72 - $137.50/hr

We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in ... Analyze 4th-Party Risk Ecosystems: Conduct the risk analysis and due diligence for 4th-party ...

Prologis

Risk Management Analyst

San Francisco, CA · On-site

$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 ...

Indeed

Senior Insurance Analyst

San Francisco, CA · On-site

... Analyst II to join our Global Insurance & Risk Management team. In this role, you will drive ... Maintain and update risk management documentation (e.g., certificates of insurance, local policies ...

3M HEALTHCARE

Senior Financial Risk Analyst

Menlo Park, CA · On-site

$111 - $130/hr

... risk models, forecasting key balance sheet items and providing deep dive analysis into financial ... Employer‑paid life & disability insurance, fertility benefits, and mental health benefits * Time ...

CYNET SYSTEMS

GRC Risk Management Analyst

San Jose, CA · On-site

$68.97 - $72.80/hr

Perform technical risk analysis by reviewing system architecture, data flows, cloud and network ... Medical, Dental, and Vision Insurance 401(k) Retirement Plan Health Savings Account (HSA ...

CYNET SYSTEMS

GRC Risk Management Analyst

San Jose, CA · On-site

$68 - $72/hr

Perform technical risk analysis by reviewing system architecture, data flows, cloud and network ... Supplemental Insurance Plans * Identity Theft Protection * Pet Insurance * Employee Wellness ...

Nvidia Corporation

Risk Manager

Santa Clara, CA · On-site

... insurance programs. * Apply critical thinking and creative problem-solving to analyze risk ... information and exposures. * Develop pre-renewal strategies, lead renewal processes, and manage ...

Nvidia

Risk Manager

Santa Clara, CA

... insurance programs. * Apply critical thinking and creative problem-solving to analyze risk ... information and exposures. * Develop pre-renewal strategies, lead renewal processes, and manage ...

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Showing results 1-20

All JobsInsurance Risk Analyst JobsInsurance Risk Analyst Jobs in San Jose, CA

Insurance Risk Analyst information

See San Jose, CA salary details

$57.4K

$97.6K

$182.8K

How much do insurance risk analyst jobs pay per year?

As of Aug 24, 2026, the average yearly pay for insurance risk analyst in San Jose, CA is $97,553.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,200.00 and $101,400.00 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

What are popular job titles related to Insurance Risk Analyst jobs in San Jose, CA?

For Insurance Risk Analyst jobs in San Jose, CA, the most frequently searched job titles are:

What job categories do people searching Insurance Risk Analyst jobs in San Jose, CA look for?

The top searched job categories for Insurance Risk Analyst jobs in San Jose, CA are:

Insurance Risk Analyst jobs near you
Infographic showing various Insurance Risk Analyst job openings in San Jose, CA as of August 2026, with employment types broken down into 1% As Needed, 70% Full Time, 23% Part Time, and 6% Contract. Highlights an 85% Physical, 1% Hybrid, and 14% Remote job distribution, with an average salary of $97,553 per year, or $46.9 per hour.

Insurance Risk Management Analyst

Waymo

Mountain View, CA • Hybrid

Full-time

Posted 20 days ago

Job description

As part of Waymo's Legal team, you will work on the exciting legal issues surrounding our transformational autonomous driving technology and help drive our business lines forward from technology ideation through scaled commercial deployment. We partner with our public policy, safety, security and privacy experts to define transportation policy for the autonomous driving world to come, advising on regulatory changes that support and protect our users around the world. We collaborate with our engineering, product, strategy and operations teams to develop and protect our intellectual property portfolio and drive our corporate and commercial transactions. We ensure compliance with an increasingly complex and dynamic range of global regulations. And we anticipate, mitigate, and litigate high-profile and precedent-setting legal matters.

 In this hybrid role, you will report to the Head of Insurance Infrastructure

You will:

  • Lead the collection, compilation, and validation of underwriting data for insurance renewals across all lines of business.        
  • Manage Certificate of Insurance (COI) requests and review incoming vendor/contractor COIs to ensure compliance with Waymo's risk management standards.        
  • Review insurance binders, endorsements, policy documentation, and premium invoicing to verify precision against negotiated program terms and retentions.        
  • Partner cross-functionally with internal teams (Legal, Compliance, Operations) as the point of contact for routine insurance inquiries and requirements.        
  • Coordinate day-to-day processes with external partners, including insurance brokers, insurers, and other parties.               

You have:

  • Exceptional attention to detail, strong organizational skills, and a thorough approach towards operational deliverables.      
  • A proactive, solution-oriented mindset and the ability to independently manage competing priorities with tight deadlines        
  • Strong communication and interpersonal skills, with the ability to articulate insurance requirements and collaborate effectively across diverse internal and external partners.        
  • Commercial insurance operations experience within a corporate risk management department, commercial insurance brokerage, or underwriting organization.        
  • Analytical and quantitative aptitude, comfortable navigating spreadsheets and AI tools to analyze Waymo's insurance and risk management programs.         

We prefer:

  • Experience working within innovative, fast-paced technology, and dynamic environments.        
  • Working knowledge of contractual risk transfer, indemnity clauses, and insurance compliance monitoring.        
  • Professional insurance certifications or progress toward designations (e.g., ARM, CPCU, CRIS, or equivalent).        
  • Bachelor's degree in Risk Management, Finance, Business Administration, Economics, or a related field.              

Travel Required:

  • 5%

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