Senior Insurance BA — Build-Ready Requirements

Kin Insurance; Ohio; Remote; USD 90,000 - 140,000; Full time

Benefits offered by this job

Medical plans

HSA contributions

Life insurance

Disability insurance

Supplemental benefits

Mental health support

Flexible PTO

Career mobility

Job summary

Kin Insurance seeks a Senior Insurance Business Analyst to translate insurance product decisions into precise system requirements across product, actuarial, underwriting, and engineering teams. You will own the lifecycle for new products, state launches, endorsements, and compliance, ensuring accurate implementation and validation.

You will collaborate with multiple stakeholders to define clear business and functional specs, lead UAT, and drive alignment from decision to deployment.

Qualifications

• 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.
• Bonus if you have Knowledge of policy administration systems and how rating, forms, rules, and eligibility are configured in production.
• Proficiency with project management or requirements tools (Jira, Confluence, Smartsheet, or similar)

Responsibilities

• Own the requirements lifecycle for new products, state launches, endorsements, coverage changes, forms, rating updates, and compliance requirements. You'll work across Insurance Product, Actuarial, Underwriting, Compliance, Claims, Operations, Engineering, and Tech Product to define what needs to be built and confirm it was built correctly.
• As your ownership grows, you'll become the go-to resource for teams that depend on accurate, implementation-ready requirements.
• 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.

Skills

Business analysis

P&C insurance

Requirements gathering

Agile

UAT

Stakeholder management

User stories

Tools

Jira

Confluence

Smartsheet

Job description

Kin Insurance seeks a Senior Insurance Business Analyst to translate insurance product decisions into precise system requirements across product, actuarial, underwriting, and engineering teams. You will own the lifecycle for new products, state launches, endorsements, and compliance, ensuring accurate implementation and validation.

You will collaborate with multiple stakeholders to define clear business and functional specs, lead UAT, and drive alignment from decision to deployment.