Business Analyst – Life & Annuities
Location: Anywhere, Uttar Pradesh (IN-UP), India (IN).
Experience: 5–9 Years | Domain: Life Insurance & Annuities | Role Type: Delivery‑Focused | Client‑Facing | Consulting
We are looking for a Business Analyst with strong Life & Annuities domain expertise and proven core BA skills to support large insurance transformation and modernization initiatives. The role is hands‑on and delivery‑oriented, with primary focus on requirements analysis, process definition, and stakeholder coordination, and secondary exposure to Agentic AI concepts and pre‑sales/RFP support.
The ideal candidate is a solid BA practitioner who understands insurance operations end‑to‑end, can work independently with business users, and can translate requirements into clear inputs for technology teams.
Key Responsibilities
Core Business Analysis (Primary Focus)
- Perform requirements elicitation, analysis, and documentation across Life & Annuities processes including New Business, Underwriting, Policy Administration, Servicing, Billing, Commissions, Claims, and Annuities servicing.
- Develop and maintain Business Requirement Documents (BRDs), functional specifications, user stories, and acceptance criteria.
- Conduct workshops, interviews, and working sessions with business SMEs and operations users to clarify requirements.
- Translate business rules, product logic, and regulatory requirements into clear functional requirements for delivery teams.
- Support solution design discussions and ensure alignment with documented requirements.
- Maintain requirements traceability through development, testing, and UAT phases.
- Support UAT planning, execution, and defect triage from a business perspective.
Life & Annuities Domain Contribution
- Apply working knowledge of Life and Annuity products (Term, UL, WL, VA, Fixed / Indexed Annuities).
- Understand agent/producer workflows, commission structures, and policy lifecycle events.
- Support requirements related to policy issuance, endorsements, renewals, payouts, surrenders, loans, and rider processing.
- Incorporate regulatory and compliance considerations into requirement definitions.
Digital & Agentic AI Awareness (Supporting Role)
- Collaborate with senior team members to support automation, AI, and Agentic AI‑driven use cases from a business requirements standpoint.
- Help translate AI‑enabled ideas into business flows, requirements, and acceptance criteria.
- Understand the impact of AI and automation on operations (no model‑building or data science expectations).
- Provide domain and BA input into RFP responses, solution descriptions, and client presentations.
- Assist senior consultants or managers in preparing use cases, scope inputs, and assumptions.
- Participate in client discussions as a subject matter contributor, not primary solution owner.
Required Skills & Experience
- 5–9 years of experience as a Business Analyst in Life Insurance and Annuities.
- Strong fundamentals in requirements gathering, documentation, and stakeholder management.
- Experience working on core insurance system implementations or modernization programs.
- Ability to work directly with business users, SMEs, and delivery teams.
- Familiarity with Agile and/or hybrid delivery models.
- Exposure to digital transformation, automation, or AI concepts from a business analysis perspective.
Nice to Have
- Experience supporting RFPs or pre‑sales activities.
- Exposure to modern policy administration systems or digital servicing platforms.
- Basic understanding of data analysis or reporting used in insurance operations.
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