[Remote] Senior FP&A Analyst

Note: The job is a remote job and is open to candidates in USA. Ledgebrook is an InsurTech MGA focused on modernizing the specialty insurance industry. The Senior FP&A Analyst will own capital management and financial planning, driving capital adequacy analysis and translating complex financial outputs into insights for senior leadership.ResponsibilitiesOwn capital adequacy modeling across Ledgebrook’s risk-bearing entities, including captives and fronting/carrier structures, with a primary lens on AM Best’s BCAR frameworkMaintain and develop loss reserve models, including triangle-based methodologies and translate reserve adequacy findings into executive-level capital planning outputsBuild and maintain dynamic capital planning models that stress-test surplus positions under adverse loss, premium growth, and reinsurance scenariosLead underwriting profitability analysis by accident year, line of business, and entity—surfacing actionable insights on combined ratio drivers and reserve margin trendsSupport the annual planning and reforecasting cycle with entity-level P&L projections and capital deployment scenariosServe as the internal subject matter expert on statutory capital requirements, risk-based capital (RBC) frameworks, and AM Best rating methodology as they relate to Ledgebrook’s balance sheetCollaborate cross-functionally with Actuarial, Accounting, and Underwriting to ensure reserve estimates, premium bookings, and capital positions are coherent and audit-readyPrepare materials for CFO and Board-level consumption: capital adequacy dashboards, reserve adequacy summaries, and scenario analyses tied to business plan milestonesSupport rating agency interactions and diligence processes, including BCAR sensitivity analysis and documentationIdentify opportunities to automate and modernize capital and reserve reporting workflowsSkillsBachelor's degree in Finance, Actuarial Science, Mathematics, Accounting, or a related field5–7 years of directly relevant experience in insurance capital management, ERM, actuarial finance, or statutory FP&A at a carrier, captive, reinsurer, MGA with risk-bearing exposure, or rating agencyDemonstrated hands-on experience with AM Best's BCAR model, meaning you have built, maintained, or stress-tested BCAR analyses for P&C entitiesWorking knowledge of loss reserving methodologiesFamiliarity with statutory financial statements and their relationship to capital adequacyAdvanced financial modeling skills and expert-level Excel proficiencyStrong verbal and written communication skills with experience presenting to CFO and C-suite audiencesAbility to operate independently in a remote, fast-moving environment with evolving prioritiesExperience with Workday and Snowflake a plusDeep familiarity with insurance capital frameworks: you've worked inside a carrier, captive, reinsurer, or rating agency context and understand how capital adequacy is built, defended, and managedDemonstrated fluency in AI: you actively explore and apply generative AI tools in your day-to-day workflow (e.g. Claude, Copilot, python-based assistants) to enhance financial analysis, scenario modeling, and management reportingWorkflow automation mindset: you identify opportunities to streamline and improve FP&A processes using AI and automation (e.g. forecast updates, variance analysis, data reconciliation), improving speed, accuracy, and scalabilityA bias toward clarity: you can translate actuarial and statutory complexity into plain language for CFOs, board members, and investorsAgile prioritization: you balance rigor with velocity and know when 'directionally right today' beats 'perfect next quarter'A collaborative, no-ego working style: this team wins together and communicates transparently across remote locationsProactive ownership: you surface problems early and come with solutions, not just observationsBenefitsCompetitive salary and meaningful equityFull remote flexibility and asynchronous work cultureUnlimited PTO and fully paid sick leaveAutonomy, purpose, and the chance to shape something from the ground upCompany OverviewModernizing Speciality Insurance It was founded in 2022, and is headquartered in Boston, Massachusetts, USA, with a workforce of 51-200 employees. Its website is https://www.ledgebrook.com/.