Senior FP&A Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Take ownership of capital adequacy modeling for Ledgebrook’s risk-bearing entities, including captives and fronting/carrier structures, focusing primarily on AM Best’s BCAR framework.

• Develop and maintain loss reserve models utilizing triangle-based methodologies, translating findings on reserve adequacy into capital planning outputs for executive-level review.

• Create and sustain dynamic capital planning models that stress-test surplus positions in adverse scenarios related to loss, premium growth, and reinsurance.

• Conduct underwriting profitability analysis by accident year, line of business, and entity to reveal actionable insights on combined ratio drivers and reserve margin trends.

• Assist in the annual planning and reforecasting cycle through entity-level P&L projections and capital deployment scenarios.

• Act as the internal expert on statutory capital requirements, risk-based capital (RBC) frameworks, and AM Best rating methodology as they pertain to Ledgebrook’s balance sheet.

• Work collaboratively across functions with Actuarial, Accounting, and Underwriting to ensure coherence and audit-readiness of reserve estimates, premium bookings, and capital positions.

• Prepare materials for CFO and Board-level review, including capital adequacy dashboards, reserve adequacy summaries, and scenario analyses linked to business plan milestones.

• Facilitate interactions and diligence processes with rating agencies, including BCAR sensitivity analysis and documentation.

• Identify and implement opportunities to automate and enhance capital and reserve reporting workflows.

⛳️ Requirements

• Bachelor’s degree in Finance, Actuarial Science, Mathematics, Accounting, or a related discipline.

• 5–7 years of relevant experience in insurance capital management, enterprise risk management (ERM), actuarial finance, or statutory financial planning and analysis (FP&A) within a carrier, captive, reinsurer, MGA with risk-bearing exposure, or rating agency.

• Proven hands-on experience with AM Best’s BCAR model, demonstrating your capability in building, maintaining, or stress-testing BCAR analyses for P&C entities.

• Familiarity with loss reserving methodologies.

• Understanding of statutory financial statements and their implications for capital adequacy.

• Advanced financial modeling abilities and expert-level proficiency in Excel.

• Experience with Workday and Snowflake is advantageous.

• Strong verbal and written communication skills, including experience presenting to CFO and C-suite audiences.

• Ability to work independently in a remote, fast-paced environment with changing priorities.

🏝️ Benefits

• Competitive salary and meaningful equity.

• Full remote flexibility and an asynchronous work culture.

• Unlimited PTO and fully paid sick leave.

• Autonomy, purpose, and the opportunity to shape something from the ground up.