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/.