Business Analyst

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health. We make getting life insurance easier, faster and better for everyone. Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights’ Global Insurtech 50 list and BuiltIn’s Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families!

About the role

Delivering an industry-leading underwriting experience is critical to Ethos’ mission and will continue to drive our growth and success in the life insurance industry. We are seeking a Business Analyst whose primary focus will be improving and optimizing our underwriting engine. In this role, you will leverage data querying and analysis to identify opportunities, refine decision logic, and drive strategic underwriting initiatives that directly impact our customers and business outcomes. You’ll work across teams to design, analyze, and improve systems that directly impact the customer experience.

Duties and Responsibilities

• Enhance and refine the logic of Ethos’ underwriting engine to improve accuracy, efficiency, and customer experience.
• Query, analyze, and interpret large datasets to identify optimization opportunities and guide underwriting improvements.
• Partner with risk, actuarial, product, and engineering teams to design and implement new rules, workflows, and data-driven processes.
• Monitor and evaluate the performance of underwriting logic, proactively identifying gaps or issues and proposing solutions.
• Develop and maintain processes for validating changes, testing logic updates, and ensuring high-quality system performance.
• Translate analytical findings into actionable recommendations for both technical and non-technical stakeholders.
• Support troubleshooting and resolution of system or data-related issues impacting underwriting.

Qualifications and Skills

• 2–4 years of experience as a Business Analyst, Data Analyst, or in a related role.
• Strong logical and analytical thinking skills, with a proven ability to break down complex problems.
• Proficiency in querying and analyzing data (SQL or equivalent required).
• Exceptional attention to detail.