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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder.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 and see how we work .

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 man