Senior Insurance Product & Requirements Analyst

Kin Insurance, Inc.; Montpelier (VT); Remote; USD 110,000 - 160,000; Full time

Benefits offered by this job

Competitive salary + RSUs

Medical, dental, vision plans

Company-funded HSA contributions

Life insurance & short-term disability

Flexible PTO & career mobility

Job summary

Kin Insurance, Inc. is seeking a Senior Insurance Business Analyst to translate insurance product decisions into clear, implementation-ready requirements.

You’ll work across Product, Actuarial, Underwriting, Compliance, Claims, and Engineering to ensure accurate delivery and testing, guiding state configurations and product changes from discovery through deployment. You’ll lead UAT, clarify requirements, and maintain alignment while building user stories and data mappings to support scalable,

Qualifications

• 5+ years 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 haveKnowledge of policy administration systems and how rating, forms, rules, and eligibility are configured in productionProficiency with project management or requirements tools (Jira, Confluence, Smartsheet, or similar)

Responsibilities

• 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.
• Own requirements questions during development as the primary point of contact, documenting clarifications and decisions as they're made.
• 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.
• 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.
• 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.

Skills

BA/analyst experience

P&C insurance experience

Agile/iterative delivery

Stakeholder management

Questioning ambiguity

Education

Bachelor's degree in a related field

Tools

Jira

Confluence

Smartsheet

Job description

Kin Insurance, Inc. is seeking a Senior Insurance Business Analyst to translate insurance product decisions into clear, implementation-ready requirements.

You’ll work across Product, Actuarial, Underwriting, Compliance, Claims, and Engineering to ensure accurate delivery and testing, guiding state configurations and product changes from discovery through deployment. You’ll lead UAT, clarify requirements, and maintain alignment while building user stories and data mappings to support scalable,