Position Lead Business Analyst, Billing

Practice P&C; Insurance

Grade Lead Consultant, peer level to the existing P&C; Billing Lead Consultant on the account

Reporting Insurance Practice Head

Location Offshore delivery center, US Eastern hours overlap

Engagement Client billing workbench, ground up internal build

Position Summary

Key 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 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 accurate 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

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