Senior Insurance Business Analyst

Kin is hiring a Senior Insurance Business Analyst to translate insurance product decisions into implementation-ready requirements and confirm they are built correctly. The role owns requirements and delivery support for product changes, state launches, forms, rating, and compliance across insurance and technology teams.

Responsibilities:

• Own the requirements lifecycle for insurance product and state-configuration changes, from initial discovery through an implementation-ready handoff to Engineering and Tech Product
• Translate business decisions on new products, insurance filings, forms, endorsements, coverages, rating algorithms, eligibility rules, and state-specific configurations into clear business requirements and functional specifications
• Partner with Insurance Product, Actuarial, Underwriting, Compliance, Claims, Operations, Tech Product, and Engineering to gather inputs, resolve ambiguity, confirm decisions, and maintain alignment from business decision through system deployment
• Document current-state processes and system behavior, define future-state workflows, and manage requirements changes throughout delivery
• Identify gaps, edge cases, dependencies, compliance requirements, and downstream impacts across rating, policy administration, billing, claims, servicing, and reporting before development begins
• Assess the customer, operational, and system impact of proposed product rules, and recommend alternative approaches when a requirement would create unnecessary friction, cost, or unintended consequences
• Build user stories, process flows, decision tables, data mappings, and acceptance criteria that let developers build accurately, while maintaining traceability from approved decisions through implementation and testing
• Own requirements questions during development as the primary point of contact, documenting clarifications and decisions as they're made
• Lead UAT planning, test scenarios, business review, and the product review and beta-validation process to confirm product changes are implemented correctly before broader release
• Drive launch readiness and repeatable delivery through process documentation, stakeholder communication, handoff guidance, and continuously improved templates, checklists, and documentation standards

Requirements:

• 5+ years of experience in a business analyst, systems analyst, or similar role, including 3+ years in P&C insurance
• Experience translating insurance product concepts (coverages, forms, endorsements, rating structures, eligibility rules, and state variations) into structured business and functional requirements for Engineering and Tech Product
• Working knowledge of the insurance product lifecycle and how product decisions are configured and implemented in policy administration and related systems
• Experience producing user stories, acceptance criteria, process flows, decision tables, data mappings, and current- and future-state documentation
• Experience partnering with Engineering or IT teams in an Agile or iterative delivery environment, including requirements clarification, UAT, and implementation validation
• A track record of synthesizing input from multiple stakeholders into clearly documented decisions, and asking questions that surface ambiguity early
• Experience managing requirements across multiple products, states, and concurrent initiatives at the same time
• Experience at a direct-to-consumer insurer, insurtech, or managing general agent (MGA)
• Knowledge of policy administration systems and how rating, forms, rules, and eligibility are configured in production
• Industry designations or coursework (CPCU, AINS, or similar)
• Proficiency with project management or requirements tools (Jira, Confluence, Smartsheet, or similar)