Senior Benefits Analyst

Seeking a EB Large Group Senior Benefits Financial Consultant for a top 10 national private retail broker that can be housed remote. (This role is supporting national accounts 5k + lives)

The Senior Financial Benefit Consultant is a senior-level individual contributor responsible for leading financial strategy, underwriting analysis, and data-driven consulting within this segment. This role operates as a core member of a high-performing, cross-functional client team, partnering closely with Producers, Managing Consultants, Senior Benefit Consultants, and Account Management to deliver a seamless and strategic client experience.

The Senior Financial Benefit Consultant is expected to directly own and produce complex financial analysis, underwriting, and reporting deliverables—not solely delegate or review the work of others.

Essential Duties and Responsibilities (include but are not limited to):

Financial Strategy, Underwriting & Analysis

This role is responsible for both the development and execution of all financial analysis.

• Personally develop and produce financial models, underwriting analysis, and reporting for complex clients
• Lead financial strategy while owning the underlying analysis, assumptions, and outputs
• Build and maintain detailed financial models, including:
• Renewal projections and rate development
• Claims trend analysis and forecasting
• IBNR and reserve evaluation
• Stop-loss strategy and optimization
• Analyze claims, utilization, and cost drivers to identify risks, inefficiencies, and cost containment opportunities
• Evaluate and model alternative funding arrangements (self-funded, level-funded, captives, and other risk-sharing strategies)
• Develop and deliver client-ready financial exhibits and reporting for renewals, stewardship meetings, and long-term planning
• Ensure accuracy, integrity, and consistency of all financial data and reporting

Client Consulting & Strategic Partnership

• Serve as the financial subject matter expert for assigned clients, advising on funding strategy, plan design, and cost management
• Translate complex financial and underwriting concepts into clear, actionable insights for executive-level audiences
• Participate in and present during client meetings, including renewals, quarterly reviews, and strategic planning sessions
• Align financial insights with broader consulting strategy to support client business objectives

Renewal & Carrier Strategy

• Lead financial components of the renewal process, including modeling, analysis, and rate validation
• Partner with carriers and vendors to validate data, challenge assumptions, and improve financial outcomes
• Support negotiation strategy through data-driven insights and financial positioning
• Model plan design and contribution strategies to support client decision-making

Team Leadership & Integration

• Operate as a core leader within the client team, influencing strategy and execution without direct authority
• Partner closely with Senior Account Managers and Consultants to ensure alignment between financial strategy and service delivery
• Contribute to a high-performance team environment, operating with speed, accountability, and precision
• Mentor and support Financial Analysts and junior team members as appropriate
• Contribute to best practices, tools, and standardization across the financial consulting function