Senior FP&A Analyst - Insurance

Talently; United States; Remoto; USD 180.000 - 260.000; Tempo integral

Resumo da vaga

Talently is seeking a senior professional to own capital adequacy modeling across risk-bearing entities within the insurance sector. You will maintain loss reserve models, stress-test capital plans, and analyze profitability by line of business for executive leadership.

You will collaborate with actuarial, accounting, and underwriting teams to align reserves with capital positions while guiding statutory requirements and reporting, including automation of workflows.

Qualificações

• Bachelor’s degree in Finance, Actuarial Science, Mathematics, Accounting, or related field.
• 5+ years in insurance capital management, ERM, actuarial finance, or statutory FP&A in carrier/reinsurer.
• Hands-on experience stress-testing AM Best BCAR for P&C entities.
• Strong financial modeling and expert Excel proficiency.
• Communicate complex actuarial concepts to CFO/C-suite clearly.
• Experience with AI tools for automation and forecasting.

Responsabilidades

• Own capital adequacy modeling across risk-bearing entities, including captives and fronting structures, focusing on AM Best BCAR.
• Maintain loss reserve models and translate findings into capital planning recommendations.
• Build and update capital plans that stress-test surplus under adverse scenarios.
• Analyze underwriting profitability by year, line of business, and entity.
• Support annual planning and reforecasting with entity-level P&L projections.
• Advise on statutory capital requirements and risk-based frameworks.

Conhecimentos

Advanced financial modeling

Excel proficiency

Clear communication to CFO/C-suite

Analytical judgment

Independent ownership in a fast-moving

AI tools for automation

Formação

Bachelor’s degree in Finance/Actuarial Science/Mathematics/Accounting

Ferramentas

Excel

Workday

Snowflake

Descrição da vaga

Join a forward-thinking company in the insurance industry working to modernize specialty insurance through innovative technology and deep sector expertise. This high-impact opportunity sits at the intersection of financial planning, actuarial finance, and enterprise risk, with ownership of capital management across risk-bearing entities. You will translate complex capital and reserve analyses into clear insights for senior leaders while helping shape a growing insurance operation.

Responsibilities:

• Own capital adequacy modeling across risk-bearing entities, including captives and fronting or carrier structures, with a focus on AM Best’s BCAR framework.
• Maintain loss reserve models, including triangle-based methodologies, and translate reserve findings into executive-ready capital planning recommendations.
• Build and update capital plans that stress-test surplus under adverse loss, premium growth, and reinsurance scenarios.
• Analyze underwriting profitability by accident year, line of business, and entity, identifying combined ratio drivers and reserve margin trends.
• Support annual planning and reforecasting through entity-level P&L projections and capital deployment scenarios.
• Advise on statutory capital requirements, risk-based capital frameworks, and AM Best rating methodology as they relate to the balance sheet.
• Partner with Actuarial, Accounting, and Underwriting to align reserve estimates, premium bookings, and capital positions.
• Prepare capital dashboards, reserve summaries, and scenario analyses for CFO, board, and rating agency discussions; improve reporting workflows through automation.

Must-Have Skills:

• Bachelor’s degree in Finance, Actuarial Science, Mathematics, Accounting, or a related field.
• 5+ years of relevant experience in insurance capital management, ERM, actuarial finance, or statutory FP&A within a carrier, captive, reinsurer, risk-bearing MGA, or rating agency.
• Hands-on experience building, maintaining, or stress-testing AM Best BCAR analyses for P&C entities.
• Working knowledge of loss reserving methodologies, statutory financial statements, and their relationship to capital adequacy.
• Advanced financial modeling skills and expert-level Excel proficiency.
• Ability to communicate complex actuarial and statutory concepts clearly and present to CFO and C-suite audiences.
• Strong analytical judgment, independent ownership, and ability to operate effectively in a remote, fast-moving environment.
• Demonstrated use of generative AI tools and an automation mindset for analysis, forecasting, variance review, and reconciliation.

Nice-to-Have Skills:

• Experience with Workday and Snowflake.
• Experience supporting rating agency relationships, reinsurance capital optimization, or enterprise risk reporting.
• Familiarity with captives, fronting arrangements, carrier structures, and reinsurance analytics.
• Experience automating financial planning and capital reporting workflows.