Insurance Product Analyst

About Cover Genius

Cover Genius is a Series E Insurtech company that protects the global customers of the world’s largest digital companies, including Booking Holdings (Priceline, Kayak, Booking.com), Intuit, Hopper, Skyscanner, Ryanair, Turkish Airlines, Descartes ShipRush, Zip, and SeatGeek. Our protection is also available at Amazon, Flipkart, eBay, Wayfair, and SE Asia’s largest company, Shopee.

Partners integrate with XCover, our award-winning insurance distribution platform, to embed protection for millions of customers worldwide each year. Our team and products have been recognized with numerous awards, including being ranked by the Financial Times as the #1 fastest-growing company in APAC in 2020. Our diverse team, spanning over 20 countries and many language groups, is committed to diverse cultural programs, notably “CG Gives,” which fosters social entrepreneurship and funds development initiatives in global communities.

Our People are Bold, Authentic, Purposeful and Inspired. Our People are not Perfect, Traditional, Complacent or Cautious.

About The Role: Insurance Product Analyst

We are seeking a highly analytical and detail-oriented Insurance Product Analyst to join our dynamic team. This role is crucial for supporting the development, maintenance, and enhancement of our insurance product and underwriting partner portfolio.

The position involves assisting with product development and carrier relationships while conducting deep dives into market data, competitor offerings, regulatory requirements, and internal performance metrics. The goal is to ensure our products remain competitive, profitable, and compliant. The Analyst will play a vital role throughout the product lifecycle, from initial concept and design through launch and ongoing optimization. You will receive guidance from a manager and senior teammates, utilizing clear checklists, templates, and on-the-job training.

Key Responsibilities

• Product Analysis & Development: Own market and competitor benchmarking to identify and present new product opportunities aligned with strategic growth objectives. Develop and prepare comprehensive business cases, product proposals, and regulatory filings to support the launch and revision of profitable products. Input insurance policy documentation into internal tools and maintain product documentation.
• Data Management & Reporting: Extract, clean, and analyze large datasets related to policy data, claims experience, and customer demographics to deliver actionable insights that drive product performance. Build and maintain detailed reports and dashboards to track key product KPIs (e.g., loss ratios, customer uptake, profitability). Submit Underwriters Bordeaux and support data reconciliations, ensuring data integrity for financial reporting.
• Business Support & Compliance: Collaborate with Compliance and Legal teams to review and file product-related documents. Support the preparation of Quarterly Business Reviews with underwriting partners. Review and respond to requests from underwriters regarding finance reconciliation, billing topics, etc. Coordinate and organize audit documents. Provide practical support and assistance across various projects involving the insurance team.

Qualifications

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Statistics, or a related quantitative field.
• 1+ years of experience (internships or co-op programs count) in the financial services or insurance industry; recent graduates are strongly encouraged to apply.
• Technical Proficiency in Microsoft Excel (e.g., pivot tables, VLOOKUPs, visualizations) and SQL or statistical software (R, Python, SAS).
• Analytical Thinking: Eagerness to interpret basic data sets and identify trends; demonstrating strong problem-solving potential.
• Industry Knowledge: Basic familiarity with insurance concepts, product lines (e.g., P&C, Life, Health), and the product development process is beneficial.
• Communication: Excellent verbal and written communication skills, with the ability to clearly articulate findings.

What You Will Have

• A proactive, problem-solving mindset: You anticipate challenges, propose pragmatic solutions, and drive issues through to resolution.
• Adaptability and resilience: You are comfortable working in a fast-moving environment with shifting priorities.
• Strategic thinking with execution focus: You can balance long-term commercial direction with the ability to deliver on immediate priorities.
• Deep commitment to collaboration: You embody our value of teamwork by working effectively across actuarial, underwriting, sales, product, finance, and operations to achieve shared goals.
• Attention to Detail: Meticulous and highly organized, with a commitment to producing accurate work.

Why Cover Genius?

Cover Genius not only cares about being the best in our industry, we care about our team. We’re a business that understands life can be fluid and so we flex to ensure we provide the environment to suit that. What does that mean?

• Flexible Work Environment: Our teams are hybrid. We work from home on Wednesdays and Thursday and attend the office on Monday, Tuesday and Friday with flexibility around start/finish times.
• Employee Stock Options: We want our people to share in our success; we reward them with ownership for their contribution in creating a world-class company.
• Work with like-minded people who are passionate about both the work we're doing and giving back. Our CG Gives programs enable us to all become philanthropists through our peer recognition and rewards system.
• Social Initiatives - pictures speak a thousand words!

Sounds interesting? If you think you have the best composition of the above, send us your resume and let's chat!

Cover Genius promotes diversity and inclusivity. We don't tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status.

By submitting your application, you acknowledge that we may collect, store and process your personal data for recruitment purposes. To ensure a fair evaluation, we may use AI to assist in sorting applications, but all final decisions are made by our hiring team and no candidate dispositions are automated. We will keep your information on file for three years from the date of your application. For detailed information about how we handle your data and our use of AI, please review our full Privacy Policy.

Key skills/competency

• Insurance product development
• Market analysis
• Data analysis
• SQL proficiency
• Microsoft Excel
• Regulatory compliance
• Financial reporting
• Business case development
• Stakeholder collaboration
• Problem-solving