Kin Insurance - Senior Insurance Business Analyst
Requirements
• 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 • 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) • 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.
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 • 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
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 • 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. • 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, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above. • For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered. • State locations and specifics are subject to change as our hiring requirements shift. • Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to [email protected]
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