Overall job purpose: We are seeking a highly skilled Business Analyst with deep expertise in the U.S. Property & Casualty (P&C) commercial insurance ecosystem. In this role, you will act as the vital bridge between business stakeholders and technology teams. You will drive the design, optimization, and implementation of end-to-end insurance systems, workflows crossing Wholesale Brokers, Managing General Agents (MGAs), and Insurance Carriers. The ideal candidate possesses a holistic understanding of how risk moves from an agent's hands through wholesale channels, gets underwritten by MGAs, and is ultimately bound and managed on a Carrier’s paper. Main responsibilities: Business Requirements & Process Mapping • Translate complex P&C insurance workflows into clear business requirements (BRDs), functional specifications (FRDs), user stories, and process maps. • Document end-to-end Commercial Lines lifecycles (New Business, Renewals, Endorsements, Cancellations) across multiple lines of business (e.g., General Liability, Commercial Property, Excess & Surplus, Inland Marine, Commercial & Personal Auto etc). Submission Management Optimization • Analyze and optimize the Submission Management pipeline, focusing on reducing clearance times and improving data ingestion from multi-channel sources (emails, portals, ACORD forms, API feeds). • Define requirements for Intelligent Document Processing (IDP), OCR solutions, or submission triage tools to automate data extraction from ACORD 125/126/140 etc., forms and supplemental applications. Value Chain Integration (Broker ➔ MGA ➔ Carrier) • Wholesale Broker Workflows: Map how wholesale brokers aggregate risks, market them to multiple markets, and manage quote comparisons. MGA Operations: Design solutions for MGAs utilizing delegated underwriting authority, managing program business, and enforcing carrier-defined underwriting guidelines and rate/rule/form structures. Carrier Core Systems: Ensure seamless data transmission to Carrier core systems for risk aggregation, policy issuance, billing, and regulatory reporting (statutory coding). System & Data Integration Facilitate automated bordereau reporting structures between MGAs and Carriers, ensuring financial and statistical data integrity. Collaborate with architectural teams to define API integration requirements connecting modern front-end portals, rating engines (ISO or proprietary), and back-office policy administration systems (PAS). Qualifications, Work experience: • Experience: Minimum 5–7 years of Business Analysis experience strictly within the U.S. P&C Insurance industry. • Domain Knowledge: Holistic understanding of the commercial insurance distribution model, including the distinct roles and interactions of Wholesale Brokers, MGAs, and Carriers. • Technical Familiarity: • Strong familiarity with insurance core systems (e.g., Guidewire, Duck Creek, Origami Risk) or specialized MGA/Broker platforms (e.g., Vertafore, Applied Systems, Novidea). • Hands-on experience with ACORD data standards and forms. • Solid understanding of Agile/Scrum methodologies, writing Jira user stories, and managing backlogs. Analytical Skills: Proficiency in SQL for data mapping and validation, as well as business process mapping tools (e.g., Lucidchart, Visio). • Professional insurance designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Commercial Underwriting). Experience with Excess & Surplus (E&S) lines and non-admitted market workflows. Excellent written and oral communication skills, Excellent Documentation Skills Note: US P&C Commercial claim insurance hands on mandatory Location: Bangalore Mode of Work: Work from Office Experience: 5-7 years