Lead / Senior P&C Insurance Business Analyst - Remote

Job Title: Lead / Senior P&C Insurance Business Analyst (Commercial Lines Domain SME)
100% Remote
Employment Type: Contract
Experience Required: 12+ Years

Position Overview:
We are seeking an experienced Property & Casualty (P&C) Insurance Business Analyst and Domain Expert with 12+ years of professional experience to join our team. The ideal candidate will act as a key domain SME specializing in Commercial Lines, with dedicated expertise in Directors & Officers (D&O) and/or Marine Cargo insurance. You will work directly with business stakeholders, product owners, underwriters, and technical teams to design, modernize, and implement core insurance platforms.
Key Responsibilities:

• Domain Leadership: Act as the primary Domain Expert for Commercial Lines, providing clear functional guidance on D&O and Marine Cargo coverage, underwriting rules, rating frameworks, and endorsement/claims workflows.
• Requirements Elicitation & Management: Lead workshops with underwriters, product owners, and operations teams to gather, define, analyze, and document complex business requirements (BRDs, Functional Specs, User Stories).
• System & Workflow Design: Map current-state vs. future-state business processes, user journeys, data flows, and integration touchpoints across Policy Administration Systems (PAS), Rating Engines, and Portal platforms.
• Agile Execution: Translate complex commercial insurance business logic into actionable user stories with clear acceptance criteria using Jira / Azure DevOps.
• Testing & Quality Assurance: Define UAT strategies, develop functional test scenarios, assist in execution, and validate system changes against complex business rules before production deployment.
• Stakeholder Alignment: Serve as the strategic bridge between business executives, underwriting Subject Matter Experts, and offshore/onsite technical delivery teams.

Required Qualifications & Skills:

• Total Experience: 12+ years of progressive experience as a Business Analyst / Functional Architect within the Property & Casualty (P&C) Insurance sector.
• Domain Specialization: Deep expertise in Commercial Lines, specifically focusing on D&O (Management Liability) and/or Marine Cargo / Ocean Cargo insurance.
• Policy Lifecycle Expertise: Complete end-to-end knowledge of policy administration processes (Submission, Quoting, Binding, Endorsement, Renewal, Cancellation, Reinsurance).
• Tooling & Agile Proficiency: Proven expertise in Agile/Scrum environments using Jira or Azure DevOps for user story mapping and backlog management.
• Analytical Skills: Strong ability to read/analyze policy forms, rating structures, loss runs, and functional specifications.
• Communication: Exceptional verbal, written, and presentation skills to effectively interface with enterprise executive management.

Preferred / Nice-to-Have Skills:

• Hands-on experience with major P&C policy administration platforms (e.g., Guidewire PolicyCenter, Duck Creek, Majesco, or custom legacy modernization platforms).
• Industry certifications such as CPCU (Chartered Property Casualty Underwriter), AINS, or ARM.
• Basic SQL knowledge for data profiling and verification during migration or system enhancement efforts.