Lead Actuary, Valuation

The Opportunity

As the Actuary leading MSSP valuation, you'll play a key role in shaping our program development, building reserving models and owning financial reporting for the program from end to end. Your insights will be visible and essential, providing the clarity that enables our leadership to make critical decisions and ensures our physician partners thrive in value-based care.

If you’re driven by the desire to take ownership, translate complexity into action, and see your work directly impact the future of healthcare, this could be a great fit.

Who We Are

Pearl Health is dedicated to empowering primary care providers, health systems, and physician-led networks to succeed in the shift to value-based care. Our platform delivers the technology, financial tools, and expert services that enable practices to provide more proactive, effective care to their Medicare patients, ultimately lowering costs and improving health outcomes.

Founded in 2020, we are a team of healthcare and technology innovators backed by premier investors like Andreessen Horowitz, Viking Global Investors, and AlleyCorp. We partner with thousands of providers across 44 states to build a more sustainable future for American healthcare.

What You'll Do

You'll own valuation and reserving for Pearl's MSSP ACO book, from model build to the financial close.

• Rebuild, update and own Pearl's MSSP valuation model, managing monthly and quarterly closes.
• Set IBNR reserves and deliver the monthly results that feed Pearl's financial reporting.
• Reconcile prior performance year results against final CMS settlement, and build forecasts for each new performance year as new ACO partners join.
• Define how Pearl interprets MSSP data and partner with Engineering to implement that logic.
• Partner cross functionally with Operations, Customer Success, Engineering and Data Science teams

What You’ll Bring

To thrive in this role, you’ll bring a blend of technical expertise, intellectual curiosity, and a collaborative spirit.

Must-haves:

• 6+ years of relevant actuarial experience, deep domain knowledge of MSSP offerings.
• A Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or a related quantitative field.
• Advanced spreadsheet analytical and modeling skills (such as Excel or Google Sheets).
• Strong data analysis skills leveraging SQL.

Nice-to-haves:

• Experience using Python for data analysis and automation.
• Strong communication skills and the ability to translate complex financial information to non-technical audiences and executive leadership.
• Experience working within an ACO environment (or similar).
• A track record of impact within a growing, fast-paced startup environment.
• ASA or FSA designation.

Our Values

🤝 Collaborate to Innovate: We believe the best solutions arise from intelligent teamwork. We trust the expertise of our teammates and pursue opportunities to learn and grow from each other. By embracing diverse perspectives and encouraging authenticity, we create and evangelize groundbreaking health solutions.

🗣️ Trust Through Transparency: We prioritize transparency in all our interactions, ensuring that employees, patients, clinicians and partners have access to the information they need to make informed decisions. Integrity is at the core of how we operate, from building products to fostering relationships, and is crucial to our ability to communicate openly and gain trust.

❤️ Serious Impact, Big Heart: We go above and beyond with our efforts to empower proactive, patient-centered care — and we celebrate every step forward. Humor and positivity fuel our creativity, strengthen relationships, and remind us to acknowledge the journey as much as the destination.

Our strength comes from the diverse backgrounds, experiences, and perspectives of our team. We welcome all candidates and are committed to a fair, inclusive hiring process free from discrimination.

What We Offer

The expected offer for this role includes the following components:

• Base Salary Range: $95,000-$180,000 per year, to be determined based on individual credentials and experience.
• Additional Compensation: This role is eligible for a discretionary performance bonus and equity options.
• Benefits: We offer a competitive benefits package. More on our careers page.

Final compensation for this role will be determined by a variety of factors, including a candidate's relevant skills, experience, labor market conditions, and location.

Agency Submissions

We are not currently working with contingency search firms. If a resume is submitted to any Pearl Health employee by a third party without a valid written and signed search agreement, it will become the property of Pearl Health and no fee will be paid, irrespective of whether the candidate is hired.

The Interview Process

While steps may vary by role, you can typically expect:

• Recruiter Screen: An intro call to discuss your background and motivations.
• Technical Assessment: A SQL exercise focused on the skills you'd use day to day.
• Hiring Manager Interview: A deeper-dive conversation with your potential manager.
• Panel Interview: A round of meetings with teammates and cross-functional partners.
• CFO Interview: A conversation with CFO.
• CEO Interview: A final conversation with our CEO.