[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. Responsibilities Own capital adequacy modeling across Ledgebrook’s risk-bearing entities, including captives and fronting/carrier structures, with a primary lens on AM Best’s BCAR framework Maintain and develop loss reserve models, including triangle-based methodologies and translate reserve adequacy findings into executive-level capital planning outputs Build and maintain dynamic capital planning models that stress-test surplus positions under adverse loss, premium growth, and reinsurance scenarios Lead underwriting profitability analysis by accident year, line of business, and entity—surfacing actionable insights on combined ratio drivers and reserve margin trends Support the annual planning and reforecasting cycle with entity-level P&L projections and capital deployment scenarios Serve 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 sheet Collaborate cross-functionally with Actuarial, Accounting, and Underwriting to ensure reserve estimates, premium bookings, and capital positions are coherent and audit-ready Prepare materials for CFO and Board-level consumption capital adequacy dashboards, reserve adequacy summaries, and scenario analyses tied to business plan milestones Support rating agency interactions and diligence processes, including BCAR sensitivity analysis and documentation Identify opportunities to automate and modernize capital and reserve reporting workflows Skills Bachelor's degree in Finance, Actuarial Science, Mathematics, Accounting, or a related field 5–7 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 agency Demonstrated hands-on experience with AM Best's BCAR model, meaning you have built, maintained, or stress-tested BCAR analyses for P&C entities Working knowledge of loss reserving methodologies Familiarity with statutory financial statements and their relationship to capital adequacy Advanced financial modeling skills and expert-level Excel proficiency Strong verbal and written communication skills with experience presenting to CFO and C-suite audiences Ability to operate independently in a remote, fast-moving environment with evolving priorities Experience with Workday and Snowflake a plus Deep 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 managed Demonstrated 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 reporting Workflow 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 scalability A bias toward clarity you can translate actuarial and statutory complexity into plain language for CFOs, board members, and investors Agile 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 locations Proactive ownership you surface problems early and come with solutions, not just observations Benefits Competitive salary and meaningful equity Full remote flexibility and asynchronous work culture Unlimited PTO and fully paid sick leave Autonomy, purpose, and the chance to shape something from the ground up Company Overview Modernizing 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/.