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Lead Business Analyst
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JOB DESCRIPTION
What You Will Own • Run current state discovery with client billing, finance, underwriting and operations teams, then document the AS IS billing process end to end and produce evidence backed gap analysis document • Write BRDs, FRDs, functional specifications, user stories, use cases and acceptance criteria detailed enough that an offshore developer can build billing behavior that does not yet exist without a follow up call • Define billing entities, states, transitions, effective dating and audit history precisely enough for the development team to model the data correctly the first time • Own the billing backlog, size and prioritize it with the client, and keep every scope decision written down and traceable • Act as the single point of contact between the client and the development team, with daily client contact through the project cycle • Define every billing integration requirement, covering payment gateways, lockbox and cash files, general ledger posting, commission payables, document generation etc. • Analyze billing data and write requirements for accounts, open balances, unapplied cash, payment plans and commission history • Build acceptance criteria for billing scope, run functional and conceptual testing, and lead the QA team through billing regression • Support client UAT, perform walkthroughs, and manage change requests and version upgrades Billing Domain You Must Know Cold • Billing setup at account, policy and payment plan level, including direct bill, agency bill and list bill money flows • Installment schedules, down payments, service and installment fees, and schedule rewrite after a midterm change • Invoice generation, invoice timing, billing cycles and statement production • Cash receipts, payment allocation hierarchy, unapplied and suspense cash, partial payments and reversals • Commission setup and calculation, splits and overrides, netting, agency payables and statement reconciliation • Delinquency and dunning, notice of cancellation for nonpayment, cancellation, reinstatement and lapse handling • Return premium, refunds, write offs, small balance rules and aging • How endorsement, cancellation and reinstatement transactions hit billed and unbilled premium and earned premium recognition • General ledger interface, trust versus operating account handling, and month end reconciliation • Premium finance, mortgagee and escrow billing, and third party payer handling Required Qualifications • 14-20 years total professional experience, with a minimum of 12 years as a business analyst in P&C insurance and a minimum of 8 years spent specifically on billing • Candidate should be able to describe rules they personally authored • Able to write a functional specification precise enough to build from, covering states, transitions, calculations, rounding, precision, reversal and audit, with no product manual to lean on • Deep functional knowledge of at least one enterprise billing processes in core systems such as Vertafore IMS, OneShield OMS, ALIS, Guidewire BillingCenter, Duck Creek Billing or Majesco Billing, held as a reference for how billing should behave rather than as the full extent of the candidate’s experience • Demonstrated ownership of a billing build, migration or transformation from discovery through go live, as the person accountable for the scope rather than a contributor to someone else’s • Proven BRD, FRD, user story and use case authorship that distributed development teams have actually built from • Working knowledge of P&C underwriting and claims workflows, enough to trace how a policy or claim transaction lands in billing • Able to run client workshop/walkthrough sessions and hold daily client contact independently, without a delivery manager in the room • Agile delivery experience with Jira or Azure DevOps and disciplined backlog and traceability hygiene • Bachelor’s degree required, with commerce, finance or accounting preferred Preferred Qualifications • Product company or platform vendor background, where the candidate specified behavior for software being built rather than configured software someone else built • MGA, program and carrier business experience • Insurance or finance credentials such as AINS, CPCU, INS or IFRS 17 • Accounting background covering receivables, reconciliation and month end close Working Model and Communication Standard • Based at the India delivery center with a minimum four-hour daily overlap with US Eastern business hours • Client facing on video every working day, so spoken and written English must hold up in front of a US client with no intermediary translating • Written deliverables go to the client as authored, so clarity, structure and American English usage in documents are part of the job, not a polish step someone else performs • Peer level to the existing billing Lead Consultant, same team, similar project responsibilities, no reporting line between the two
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