Life Insurance Business Analyst

Location: Remote (Remote) | Employment Type: Full Time - 40 hours per week | Job Level: T4 | Work Preference: Remote Work From Home | Job Code: 242799

Job Description:

Job Title

Senior Business Analyst – Life Insurance (Agile & AI-Assisted BA)

Overview / Summary

We are seeking an experienced Business Analyst with strong expertise in the Life Insurance domain. The ideal candidate will have deep knowledge of Agent lifecycle management, Policy Administration, Home Office operations, and Underwriting processes, along with strong experience in Agile delivery environments. This role involves working closely with business stakeholders, Development, and QA teams to gather requirements, create user stories, manage backlog activities, and support successful project delivery.

Key Responsibilities

Interact with client business users and stakeholders to gather, analyze, and document business requirements
Conduct requirement workshops, stakeholder meetings, and walkthrough sessions
Create and maintain:
- Business Requirement Documents (BRD)
- Functional Requirement Documents (FRD)
- User Stories with clear Acceptance Criteria
Leverage AI tools such as Microsoft Copilot and Claude for:
- Requirement analysis and structuring
- Accelerated BRD and user story creation
- Requirement validation and gap analysis
Translate business requirements into clear, implementable user stories aligned with Agile best practices
Perform backlog refinement and ensure all stories meet the Definition of Ready (DoR)
Prioritize user stories based on business value, dependencies, and release goals
Provide continuous clarification on domain rules, workflows, and business functionality to Development and QA teams
Ensure all functional, business, and domain-related queries from Development and QA teams are resolved promptly
Own and manage requirement traceability from inception through delivery
Actively support Sprint Planning, Refinement, SIT, and UAT phases
Ensure the Definition of Done (DoD) is met for each user story, including:
- Functional completeness
- Acceptance criteria validation
- Business rules compliance
- Required documentation updates
Obtain formal sign-off from business stakeholders upon meeting DoD
Support UAT execution, defect triage, and business validation
Identify gaps, risks, and dependencies in business processes and proposed solutions
Act as a bridge between business stakeholders and technical teams to ensure successful delivery

Required Qualifications

7 to 10 years of overall Business Analysis experience
Strong hands-on experience in the Life Insurance domain
Strong understanding of:
- Agent lifecycle (onboarding, hierarchy, commissions, incentives)
- Policy administration (New Business, Endorsements, Renewals, Servicing)
- Home Office operations
- Underwriting processes (manual & automated, risk rules, decision workflows)
Understanding of regulatory, compliance, and operational impacts in Life Insurance
Excellent experience in Agile / Scrum delivery model
Expertise in requirement gathering, documentation, and user story creation
Strong analytical, problem-solving, and decision-making skills
Hands-on exposure to AI-assisted Business Analysis practices (Copilot experience preferred)
Excellent communication and stakeholder management abilities
Ability to work independently and manage multiple priorities in parallel

Preferred Qualifications

Experience working on Policy Administration Systems (PAS)
Exposure to digital insurance transformation or modernization programs
Familiarity with regulatory and compliance-driven requirements
BA certifications such as CBAP, PMI-PBA, or Agile BA
FLMI® (Fellow, Life Management Institute) – LOMA
ALMI® (Associate, Life Management Institute) – LOMA
ARA® (Associate, Regulatory Compliance) – LOMA
AINS® (Associate in General Insurance) – The Institutes

What Makes HTC A Great Place To Build Your Future

HTC Global Services wants you to join our team. Come build new things with us and advance your career. At HTC Global, you’ll collaborate with experts, work alongside clients, and be part of high-performing teams driving success together. You’ll have long-term opportunities to grow your career and develop skills in the latest emerging technologies.

At HTC Global Services, our employees have access to a comprehensive benefits package. Benefits can include Group Health (Medical, Dental, and Vision), Paid Time Off, Paid Holidays, 401(k) matching, Group Life and Disability insurance, Professional Development opportunities, Wellness programs, and a variety of other perks.

Our success as a company is built on inclusion and diversity. HTC Global Services is committed to providing a workplace free from discrimination and harassment, where every employee is treated with dignity and respect. We celebrate differences and believe that diverse cultures, perspectives, and skills drive innovation and success. HTC is an Equal Opportunity Employer and a proud National Minority Supplier. We seek to empower each individual, fostering an environment where everyone feels valued, included, and respected.

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