Remote Senior Insurance Product Analyst

Kin Insurance; Michigan; Remote; USD 120,000 - 150,000; Full time

Benefits offered by this job

RSUs/Equity

Competitive salary

Remote-first

Health, dental, vision

Flexible PTO

Career mobility

Job summary

Kin Insurance is seeking a Senior Insurance Business Analyst to translate insurance product decisions into systems that work as intended. The role sits at the intersection of insurance product development, operations, and technical delivery, and is built for someone who knows P&C insurance well and asks the right questions early.

You’ll own the requirements lifecycle for insurance products and state-configuration changes, coordinating with Insurance Product, Actuarial, Underwriting, Compliance,

Qualifications

• 5+ years of experience as 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.
• 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.
• Bonus if you have knowledge of policy administration systems and how rating, forms, rules, and eligibility are configured in production.

Responsibilities

• 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.

Skills

Business analysis

Requirements gathering

Agile experience

Stakeholder collaboration

Problem solving

Tools

Jira

Confluence

Smartsheet

Job description

Kin Insurance is seeking a Senior Insurance Business Analyst to translate insurance product decisions into systems that work as intended. The role sits at the intersection of insurance product development, operations, and technical delivery, and is built for someone who knows P&C insurance well and asks the right questions early.

You’ll own the requirements lifecycle for insurance products and state-configuration changes, coordinating with Insurance Product, Actuarial, Underwriting, Compliance,