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Data Scientist, ML - Insurance Underwriting

Guardian Life

$95,170 - $156,355
Dec 4, 2025
New York, NY, US
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Guardian is on a transformation journey to evolve into a modern, forward-thinking insurance company committed to enhancing the wellbeing of its customers and their families by applying cutting-edge AI to transform how Guardian does business.

Requirements

  • 2+ years of hands-on experience in ML modeling and development.
  • Solid understanding of probability, statistics, and machine learning fundamentals.
  • Strong programming skills in Python and familiarity with frameworks like scikit-learn, pandas, and numpy.
  • Experience with a variety of machine learning techniques (regression, classification, clustering, ensemble methods, etc.) and their real-world advantages/drawbacks.
  • Working knowledge of core software engineering concepts (version control with Git/GitHub, testing, logging)
  • Background in insurance and underwriting preferred
  • Experience in insurance industry (Underwriting Experience is Preferred)

Responsibilities

  • Design and implement machine learning solutions that automate business workflows, improve decision-making, and enhance customer and employee experiences.
  • Apply ML techniques (e.g., regression, classification, clustering, ensemble methods such as Random Forest and XGBoost) to structured and semi-structured data such as claims, underwriting notes, and customer records.
  • Develop robust, scalable, and production-ready ML models that integrate with Guardian’s platforms to deliver measurable business outcomes.
  • Collaborate with data engineers and MLOps teams to ensure models are scalable, robust, and production-ready.
  • Translate research in machine learning and statistical modeling into practical applications for underwriting, claims automation, customer servicing, and risk assessment.
  • Work closely with product owners, engineers, and business stakeholders to define use cases, design solutions, and measure impact.
  • Contribute to building reusable components and frameworks for developing and deploying ML solutions.

Other

  • PhD with 0–1 years of experience, Master’s degree with 2+ years, or Bachelor’s degree with 4+ years in Statistics, Computer Science, Engineering, Applied Mathematics, or related field.
  • Three days a week at a Guardian office in New York, NY, Holmdel, NJ, Bethlehem, PA, or Boston, MA
  • Guardian Life is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship now or in the future.
  • Strong communication skills and ability to collaborate effectively with product and engineering teams.
  • Excellent problem-solving and analytical skills with attention to detail.