Actuary, Valuation

About Pearl Health

Pearl Health is powering the future of healthcare. We help primary care providers and organizations to deliver quality healthcare to the patients who need it most, when they need it most — and get rewarded for keeping patients healthy.

Our technology, services, and financial tools enable better, more proactive care, decrease total cost of care across patient panels, and optimize performance in value-based care models for Traditional Medicare and Medicare Advantage.

We are a team of physicians and public health experts (Stanford, Harvard, Mount Sinai), technologists (athenahealth, Amazon, Meta, Flatiron), healthcare innovators (Centivo, Aledade, Stellar, Arcadia), and experienced risk management professionals (CVS/Aetna, Humana, Oscar) who believe that primary care providers are the key to addressing our healthcare system’s biggest challenges.

Since its founding in 2020, Pearl has expanded to partner with thousands of primary care providers in practices and organizations across 44 states. Our investors include Andreessen Horowitz, Viking Global Investors, AlleyCorp, and SV Angel.

The Role

This is a high-impact role for an Actuary seeking to take significant ownership of core financial processes at a growing health-tech company. You will be an owner of the actuarial valuation function, stewarding the models and analyses that measure our financial performance and directly influence business strategy. Your work providing critical insights into our value-based care partnerships will be highly visible and essential to our success.

We are looking for a creative and analytical Actuary with experience in healthcare reserving and Medicare risk models (e.g., ACO REACH, MSSP). The ideal candidate is a self-starter who thrives in a dynamic, fast-paced environment and is passionate about the nuances of healthcare finance. This role requires a high degree of autonomy, and you will serve as a partner to leaders across the organization. This position is part of our Actuarial Student Program, meaning we are committed to supporting your professional development and credentialing.

To be successful in this role, you will:

• Own and Enhance the Valuation Process: Lead our end-to-end monthly valuation cycle, from managing disparate data sources and modeling benchmarks to setting IBNR reserves and delivering timely results.
• Drive Partner Financials: Manage and refine the models that underpin our shared savings calculations and financial reconciliations, ensuring accuracy and transparency for our physician partners.
• Translate Complexity into Clarity: Communicate actuarial findings and financial results to non-technical stakeholders, including executive leadership. Your insights will provide a clear understanding of our performance and its underlying drivers.
• Be a Cross-Functional Partner: Collaborate closely with Data Science, Finance, Operations, and Customer Success teams to build a deep, shared understanding of our financial performance and identify opportunities for growth and risk mitigation.
• Ensure Actuarial Integrity: Proactively monitor regulatory changes affecting Medicare value-based care programs and maintain robust documentation to ensure our practices are compliant and audit-ready.

Who you are:

• An Experienced Healthcare Actuary: You have 4+ years in a healthcare Actuarial role, with experience in reserving, medical economics, or financial modeling. Direct experience with value-based care (e.g., ACO REACH, MSSP) or Medicare Advantage is preferred.
• On the Path to Credentialing: You hold a Bachelor’s degree in a quantitative field (e.g., Actuarial Science, Mathematics, Statistics) and are near or have attained your Associate of the Society of Actuaries (ASA) designation or equivalent.
• Technically Proficient: You have high proficiency in SQL for data querying and analysis, alongside advanced spreadsheet modeling skills (we use Google Sheets). Experience with Python for data analysis is a plus.

Additional Information

• Location Type: Hybrid
• Employment Type: FullTime