Full-Time
Data Analyst
Operations Analytics
Posted on 8/21/2025
Lemonade
1,001-5,000 employees
AI-powered insurance carrier with Giveback program
Compensation Overview
$90k - $110k/yr
No H1B Sponsorship
New York, NY, USA
Hybrid
Candidates must work in an office environment a minimum of 3 days a week. Applicants from Colorado, California, Montana, Hawaii, New Mexico, and Puerto Rico cannot be considered.
 Data & Analytics (1) |
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- 3+ years of experience in a data analytics role, preferably within a fast-growing consumer company
- Hands-on experience with modern data analytics stack (e.g. Snowflake, dbt, Looker), strongly preferred
- Bachelor’s degree in Mathematics, Statistics, Computer Science, or a related field
- Proficiency in SQL is essential, (knowledge of Python or R, a plus)
- Strong communication skills and ability to collaborate effectively with others
- Strong problem-solving skills and the ability to analyze complex issues and find actionable solutions
- Ability to thrive in a dynamic, fast-paced environment
- Ability to work in an office environment a minimum of 3 days a week
- Enthusiasm about learning and adapting to the exciting world of AI – a commitment to exploring this field is a fundamental part of our culture
- Collaborate with the operations department to improve the speed and efficiency of our customer support, claims adjusting, underwriting, and people ops teams
- Build and maintain the data analytics infrastructure for accurate and timely reporting and sophisticated analysis
- Set measurable and smart goals, and build new measurement and optimization capabilities
- Initiate analyses and deliver business insights that lead directly to process and product improvement
- Partner with other data analysts, as well as team members from R&D, Customer Operations, People Operations, Finance to push through cross-functional data projects
- Prior experience in the insurance industry, a plus
Lemonade uses AI and behavioral economics to quote, underwrite, and process claims with chatbots, delivering quotes in seconds and some claims paid instantly. It operates as a licensed insurer, charging a fixed fee on premiums and directing any unclaimed Premiums to Giveback charitable causes chosen by policyholders. It started with renters insurance in 2016 and now offers homeowners, car, pet, and term-life coverage in the US and select European markets, including the Metromile acquisition to strengthen pay-per-mile car insurance. Its goal is to offer simple, transparent, affordable coverage with social impact by using technology to streamline buying and claims while aligning with customers’ interests.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
New York City, New York
Founded
2015
Simplify's Take
What believers are saying
- In-force premiums hit $1.33 billion in Q1 2026, up 32% year-over-year.
- Customer base reaches 3.14 million, growing 23% with 4x LTV-to-CAC ratio.
- Metromile acquisition provides decade of pay-per-mile data for precise underwriting.
What critics are saying
- April 2026 data breach exposes 190,000 driver's licenses, costing $10.5M settlement.
- Tesla launches in-house autonomous insurance in June 2026, undercutting Lemonade's product.
- 2026 hurricane season spikes loss ratios above 70%, halving stock value by Q4.
What makes Lemonade unique
- Lemonade uses AI chatbots like Maya for 90-second quotes and three-second claims.
- Giveback program donates unclaimed premiums to customer-chosen nonprofits.
- January 2026 Tesla partnership launches autonomous car insurance using self-driving data.
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Benefits
Health Insurance
401(k) Company Match
Paid Vacation
Parental Leave
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 0%IonQ, a quantum computing company founded in 2015, is highlighted as a potentially promising investment despite burning cash at a -230% free cash flow margin. The company achieved 143% annual revenue growth over the past two years and expects 81.7% growth next year, suggesting expanding market share. Meanwhile, Kratos and Lemonade face challenges. Kratos, a national security solutions provider, saw its free cash flow margin decline 8.8 percentage points over five years, with low returns on capital indicating poor fund allocation. It trades at 122.8x forward P/E. Lemonade, an AI-powered insurance platform, experienced declining book value per share and negative returns on capital, with earnings per share growth lagging revenue gains. The stock trades at 11.1x forward P/B.
Lemonade, an AI-powered insurance company, has seen its share price drop 27.5% year-to-date despite posting a 59% one-year return. The stock currently trades at $55.04, with analysts suggesting a fair value of $77.14, implying 28.6% upside. The company remains unprofitable but reported strong growth metrics: in-force premiums of $889 million (up 24% year-over-year), 2.31 million customers (up 17%), and gross profit climbing 71%. Revenue stands at $737.9 million. However, Lemonade trades at a price-to-sales ratio of 5.7x, significantly above the 1.8x peer average and 1.2x US insurance sector average. The recent pullback follows momentum cooling after a multi-year run that saw shares triple over three years. Key risks include potential deterioration in loss ratios and exposure to catastrophe events.
Lemonade's stock fell approximately 36% in February despite reporting solid fourth-quarter results, including 23% year-over-year customer growth and 53% revenue increase. The AI-powered insurance company forecasts reaching positive adjusted EBITDA in Q4 2026. The decline stemmed from multiple factors. Investors are growing impatient with companies making heavy AI investments without clear returns, particularly as Lemonade remains unprofitable despite being built on AI-driven disruption. Geopolitical and macroeconomic uncertainty has also dampened appetite for risk assets. Lemonade's high volatility compounds the situation, with a beta of 2.2 indicating price swings more than double the broader market's. The company's lack of profitability makes traditional valuation metrics less useful, though loss ratios provide insight into pricing accuracy and the path to profitability.
Lemonade reported fourth quarter revenue of $228.1 million, beating analyst estimates of $217.6 million with 53.3% year-on-year growth. Adjusted earnings per share of -$0.29 also beat expectations of -$0.43. Despite the strong results, the market responded negatively. CEO Daniel Schreiber called it "our strongest quarter ever", citing rapid growth in in-force premium and improved marketing efficiency. CFO Timothy Bixby told analysts the company expects positive EBITDA by year-end and has sufficient capital to support ambitious growth rates. During the earnings call, management discussed cross-selling as a key efficiency driver, with growing premium from multi-policy customers. The company is using improved marketing efficiency to fund higher growth spend rather than introduce conservatism into guidance. Lemonade also addressed its autonomous vehicle insurance opportunity, emphasising its agile, data-driven platform.
Lemonade reported record revenue of $737.9 million for 2025, up from the prior year, whilst narrowing its net losses. Fourth-quarter revenue reached $228.1 million. However, the insurance technology company's shares fell 19.2% following guidance indicating continued adjusted EBITDA losses through 2026. The company plans to invest heavily in AI development and product expansion, including launching autonomous car insurance. Management maintains its AI-driven model will eventually deliver sustainable profits despite ongoing losses. Analysts project Lemonade could reach $1.8 billion in revenue by 2028, with some forecasts suggesting a fair value of $67.11 per share, representing 29% upside from current levels. The company's extended timeline to profitability remains a key risk, alongside concerns about data privacy and the competitive advantage of its AI technology.