Business Analyst US P&C Insurance Commercial Claims - iNube

Inube; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Inube is seeking a highly skilled Business Analyst with deep expertise in the U.S. Property & Casualty commercial insurance ecosystem.

You will bridge business stakeholders and technology teams, driving the design, optimization, and implementation of end-to-end insurance systems across wholesale brokers, MGAs, and carriers. The ideal candidate understands how risk moves from agents through wholesale channels to MGAs and carriers, and how it is managed on carrier paper.

Qualifications

• 5–7 years of Business Analysis experience in US P&C insurance.
• Holistic understanding of commercial insurance distribution: wholesale brokers, MGAs, carriers.
• Familiarity with core systems (Guidewire, Duck Creek, Origami Risk) or MGA/Broker platforms.
• Hands-on with ACORD data standards and forms.
• Strong SQL, data mapping, and process modeling (Lucidchart/Visio).
• CPCU or AU designation preferred.
• Experience with E&S and non-admitted markets is a plus.
• Excellent written and verbal communication.

Responsibilities

• Translate complex P&C workflows into BRDs, FRDs, user stories, and process maps.
• Document end-to-end Commercial Lines lifecycles across multiple lines of business.
• Analyze and optimize the submission management pipeline for faster clearance and better data ingestion.
• Define requirements for IDP/OCR solutions to automate data extraction from ACORD forms.
• Map wholesale broker workflows and MGA delegated underwriting processes.
• Design solutions for MGAs, carriers, and delegated underwriting authority structures.
• Ensure data transmission to carrier core systems for policy issuance, billing, and reporting.
• Collaborate on API integration requirements linking front-end portals, rating engines, and PAS.

Skills

SQL

Agile/Scrum

Jira user stories

Documentation

Education

CPCU

AU (Associate in Commercial Underwriting)

Tools

Guidewire

Duck Creek

Origami Risk

Vertafore

Applied Systems

Novidea

ACORD Forms

Job description

Job Summary

We are seeking a highly skilled Business Analyst with deep expertise in the U.S. Property & Casualty (P&C) commercial insurance ecosystem. In this role, you will act as the vital bridge between business stakeholders and technology teams. You will drive the design, optimization, and implementation of end-to-end insurance systems, workflows crossing Wholesale Brokers, Managing General Agents (MGAs), and Insurance Carriers.

The ideal candidate possesses a holistic understanding of how risk moves from an agent s hands through wholesale channels, gets underwritten by MGAs, and is ultimately bound and managed on a Carrier s paper.

Responsibilities

• Translate complex P&C insurance workflows into clear business requirements (BRDs), functional specifications (FRDs), user stories, and process maps.
• Document end-to-end Commercial Lines lifecycles (New Business, Renewals, Endorsements, Cancellations) across multiple lines of business (e.g., General Liability, Commercial Property, Excess & Surplus, Inland Marine, Commercial & Personal Auto etc).
• Analyze and optimize the Submission Management pipeline, focusing on reducing clearance times and improving data ingestion from multi-channel sources (emails, portals, ACORD forms, API feeds).
• Define requirements for Intelligent Document Processing (IDP), OCR solutions, or submission triage tools to automate data extraction from ACORD 125/126/140 etc., forms and supplemental applications.
• Wholesale Broker Workflows: Map how wholesale brokers aggregate risks, market them to multiple markets, and manage quote comparisons.
• MGA Operations: Design solutions for MGAs utilizing delegated underwriting authority, managing program business, and enforcing carrier-defined underwriting guidelines and rate/rule/form structures.
• Carrier Core Systems: Ensure seamless data transmission to Carrier core systems for risk aggregation, policy issuance, billing, and regulatory reporting (statutory coding).
• System & Data Integration: Facilitate automated bordereau reporting structures between MGAs and Carriers, ensuring financial and statistical data integrity.
• Collaborate with architectural teams to define API integration requirements connecting modern front-end portals, rating engines (ISO or proprietary), and back-office policy administration systems (PAS).

Qualifications & Experience

• Experience: Minimum 5-7 years of Business Analysis experience strictly within the U.S. P&C Insurance industry.
• Domain Knowledge: Holistic understanding of the commercial insurance distribution model, including the distinct roles and interactions of Wholesale Brokers, MGAs, and Carriers.
• Technical Familiarity: Strong familiarity with insurance core systems (e.g., Guidewire, Duck Creek, Origami Risk) or specialized MGA/Broker platforms (e.g., Vertafore, Applied Systems, Novidea).
• Hands-on experience with ACORD data standards and forms.
• Solid understanding of Agile/Scrum methodologies, writing Jira user stories, and managing backlogs.
• Analytical Skills: Proficiency in SQL for data mapping and validation, as well as business process mapping tools (e.g., Lucidchart, Visio).
• Professional insurance designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Commercial Underwriting).
• Experience with Excess & Surplus (E&S) lines and non-admitted market workflows.
• Excellent written and oral communication skills, Excellent Documentation Skills
• Note: US P&C Commercial claim insurance hands on mandatory
• Location: Bangalore
• Mode of Work: Work from Office
• Experience: 5-7 years