Remote Senior P&C Insurance Business Analyst

Kin Insurance; Texas; Remote; USD 110,000 - 160,000; Full time

Benefits offered by this job

Medical, dental, vision plans

Company-funded HSA contributions

Life insurance & short-term disability

Supplemental benefits: long-term, etc.

Mental health support & confidential‑c

Flexible PTO and holidays

Career mobility & internal growth

Job summary

Kin Insurance seeks a Senior Insurance Business Analyst to translate insurance product decisions into systems that work as intended. You will own the requirements lifecycle for product launches, state configurations, and policy changes, collaborating with Insurance Product, Actuarial, Underwriting, Compliance, Claims, Operations, Engineering, and Tech Product to ensure clear, implementable specifications.

This role bridges business decisions and engineering, driving acceptance criteria, UAT, and

Qualifications

• 5+ years of experience in a business analyst or systems analyst 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.
• Familiarity with policy administration systems and how rating, forms, rules, and eligibility are configured in production.
• Experience in Agile or iterative delivery, including requirements clarification, UAT, and implementation validation.
• Ability to synthesize input from multiple stakeholders into clearly documented decisions, and surface ambiguity early.

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 cross-functional teams 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.
• Build user stories, process flows, decision tables, data mappings, and acceptance criteria for developers, with traceability from decisions to 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

P&C insurance knowledge

Requirements gathering

User stories

Agile delivery

Stakeholder management

Documentation & specs

Tools

Jira

Confluence

Smartsheet

Job description

Kin Insurance seeks a Senior Insurance Business Analyst to translate insurance product decisions into systems that work as intended. You will own the requirements lifecycle for product launches, state configurations, and policy changes, collaborating with Insurance Product, Actuarial, Underwriting, Compliance, Claims, Operations, Engineering, and Tech Product to ensure clear, implementable specifications.

This role bridges business decisions and engineering, driving acceptance criteria, UAT, and