Business Analyst

Position Lead Business Analyst, BillingPractice P&C InsuranceGrade Lead Consultant, peer level to the existing P&C Billing Lead Consultant on the accountReporting Insurance Practice HeadLocation Offshore delivery center, US Eastern hours overlapEngagement Client billing workbench, ground up internal buildPosition SummaryKey Management Group is hiring a Lead Business Analyst to own the billing scope on a US P&C Insurance engagement where the client is building its billing workbench in house. This is a ground up build, not a package implementation. No vendor product supplies default behavior, so the specifications this person writes are the system.This is a hands-on functional role, not a coordination role. You will run discovery with the client, define billing behavior from a blank page, write the specifications the offshore development team builds from, drive testing, and be client-facing every day.The role sits alongside an existing Billing Lead Consultant on the same team, carrying a similar project scope. We need matching seniority and matching depth. A mid-level business analyst will not clear this bar, and neither will a senior analyst whose billing career has been spent doing configurations inside a packaged product.What You Will OwnRun 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 documentWrite 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 callDefine billing entities, states, transitions, effective dating and audit history precisely enough for the development team to model the data correctly the first timeOwn the billing backlog, size and prioritize it with the client, and keep every scope decision written down and traceableAct as the single point of contact between the client and the development team, with daily client contact through the project cycleDefine 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 historyBuild acceptance criteria for billing scope, run functional and conceptual testing, and lead the QA team through billing regressionSupport client UAT, perform walkthroughs, and manage change requests and version upgradesBilling Domain You Must Know ColdBilling setup at account, policy and payment plan level, including direct bill, agency bill and list bill money flowsInstallment schedules, down payments, service and installment fees, and schedule rewrite after a midterm changeInvoice generation, invoice timing, billing cycles and statement productionCash receipts, payment allocation hierarchy, unapplied and suspense cash, partial payments and reversalsCommission setup and calculation, splits and overrides, netting, agency payables and statement reconciliationDelinquency and dunning, notice of cancellation for nonpayment, cancellation, reinstatement and lapse handlingReturn premium, refunds, write offs, small balance rules and agingHow endorsement, cancellation and reinstatement transactions hit billed and unbilled premium and earned premium recognitionGeneral ledger interface, trust versus operating account handling, and month end reconciliationPremium finance, mortgagee and escrow billing, and third-party payer handlingRequired Qualifications14-20 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 billingCandidate should be able to describe rules they personally authoredAble 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 onDeep 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 experienceDemonstrated 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’sProven BRD, FRD, user story and use case authorship that distributed development teams have actually built fromWorking knowledge of P&C underwriting and claims workflows, enough to trace how a policy or claim transaction lands in billingAble to run client workshop/walkthrough sessions and hold daily client contact independently, without a delivery manager in the roomAgile delivery experience with Jira or Azure DevOps and disciplined backlog and traceability hygieneBachelor’s degree required, with commerce, finance or accounting preferred