Senior Insurance Business Analyst

QUICK SUMMARY Turn 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. WHO WE ARE 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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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 Companies - Forbes’ 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 http://kin.com and see how we work https://www.linkedin.com/company/kin-insurance/life/kin/. THE OPPORTUNITY 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. YOUR RESPONSIBILITIES - 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 - Drive launch readiness and repeatable delivery through process documentation, stakeholder communication, handoff guidance, and continuously improved templates, checklists, and documentation standards SUCCESS IN THIS ROLE 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 builds - Product decisions move to implementation-ready requirements faster, supporting quicker product and state launches - Clarification cycles, rework, and UAT delays have dropped because gaps and edge cases now surface before development starts - Requirements and implementation-review processes are consistent and scalable as Kin enters new states and expands its products WHAT YOU’LL BRING - 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 - Experience managing requirements across multiple products, states, and concurrent initiatives at the same time Bonus 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 production - Industry designations or coursework (CPCU, AINS, or similar) - Proficiency with project management or requirements tools (Jira, Confluence, Smartsheet, or similar) HOW WE HIRE 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 interviews - Interviews with recruiters, hiring managers, and members of teams - Skills assessment relevant to the position, if applicable - Genuine, thoughtful human interaction at every step HOW WE SUPPORT YOU We 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 Benefits - Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level - 401(k) with company match up to 4% of eligible earnings - Multiple medical plan options, plus dental and vision coverage - Company-funded HSA contributions (based on medical plan selection) - Company-paid life insurance and short-term disability Health & Wellbeing - A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance - Access to mental health support and confidential counseling resources - Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays - Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents Growth & Development - Career mobility and internal growth opportunities across the organization - Professional development budgets for certifications, conferences, and learning available, subject to management approval HOW WE WORK We 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, Take ownership. Do the right thing, even when it‘s hard. Because when Kin thrives, so do you. And so do our customers. Operate lean. Deliver more - We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn't a limitation — it's our competitive advantage. Keep asking ‘What if?’ - We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company. WHERE WE WORK We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration. For Sales Agents and Customer Service Agents: These roles sit in any of the following 32 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI. For all other positions, these roles can sit in any of the following 41 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MA, ME, M…