Senior Insurance Business Analyst

Senior Insurance Business AnalystTurn P&C product decisions into build-ready requirements, then confirm they shipped right. Forms, rating, state launches? Yes. 5+ years BA, 3+ in P&C required.Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.Using data, technology, and thoughtful human support, we're building products that are clear, fair, and help homeowners feel confident — so homeowners aren't left behind when they need help most.Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 14 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including:Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)Forbes' America's Best Startup Employers (2026)Inc. 5000 Fastest-Growing Private CompaniesForbes' Fintech 50 (2023-2026)Great Places to Work Certified (May 2024-May 2027)Most importantly, we're building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we're building, visit kin.com and see how we work.We're looking for a Senior Insurance Business Analyst to help us turn insurance product decisions into systems that work exactly as intended. Kin keeps entering new states and expanding its products. Each launch, filing, and coverage change depends on clear translation between the people who design insurance products and the engineers who build them. This role sits at that intersection of insurance product development, operations, and technical delivery. It's built for someone who knows P&C insurance products deeply and asks the right questions early.You'll sit within the Project Management Organization and 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. Your work will directly shape how quickly and reliably Kin brings products to homeowners.In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You'll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin's mission forward. Along the way, you'll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve.By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you've helped make.Engineering and Tech Product treat your business and functional requirements as the definitive source of truth for product buildsProduct decisions move to implementation-ready requirements faster, supporting quicker product and state launchesClarification cycles, rework, and UAT delays have dropped because gaps and edge cases now surface before development startsRequirements and implementation-review processes are consistent and scalable as Kin enters new states and expands its products5+ years of experience in a business analyst, systems analyst, or similar role, including 3+ years in P&C insuranceExperience translating insurance product concepts (coverages, forms, endorsements, rating structures, eligibility rules, and state variations) into structured business and functional requirements for Engineering and Tech ProductWorking knowledge of the insurance product lifecycle and how product decisions are configured and implemented in policy administration and related systemsExperience producing user stories, acceptance criteria, process flows, decision tables, data mappings, and current- and future-state documentationExperience partnering with Engineering or IT teams in an Agile or iterative delivery environment, including requirements clarification, UAT, and implementation validationA track record of synthesizing input from multiple stakeholders into clearly documented decisions, and asking questions that surface ambiguity earlyExperience managing requirements across multiple products, states, and concurrent initiatives at the same timeBonus if you have:Experience at a direct-to-consumer insurer, insurtech, or managing general agent (MGA)Knowledge of policy administration systems and how rating, forms, rules, and eligibility are configured in productionIndustry designations or coursework (CPCU, AINS, or similar)Proficiency with project management or requirements tools (Jira, Confluence, Smartsheet, or similar)We believe a great hiring experience should be clear, respectful, and human. We'll accept applications for this position until November 14th, 2026. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin's in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:Prompt updates and feedback following interviewsInterviews with recruiters, hiring managers, and members of teamsSkills assessment relevant to the position, if applicableGenuine, thoughtful human interaction at every stepWe offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.Core BenefitsCompetitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level401(k) with company match up to 4% of eligible earningsMultiple medical plan options, plus dental and vision coverageCompany-funded HSA contributions (based on medical plan selection)Company-paid life insurance and short-term disabilityHealth & WellbeingA variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insuranceAccess to mental health support and confidential counseling resourcesFlexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidaysPaid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parentsGrowth & DevelopmentCareer mobility and internal growth opportunities across the organizationProfessional development budgets for certifications, conferences, and learning available, subject to management approvalWe don't just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we're united by a shared set of values that shape how we work and how we show up for each other and our customers.Run through walls, together - Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. We assume the best in each other and challenge ideas, not intentions. We show up, work hard, and play to each other's strengths — because that's how great teams win.Raise the bar. Drop the ego - Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other's strengths.Act like an owner - We are owners, fully accountable for achieving Kin's mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Kin Insurance