Business Analyst

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 and ownership mentality—you're comfortable diving deep into both systems and data.
• Strong communication skills (written and verbal) and the ability to present data-driven insights to diverse stakeholders.
• A proactive, problem-solving mindset with a passion for improving processes and outcomes.
• Experience in the life insurance or financial services industry.
• Familiarity with business systems configuration or implementation projects.
• Background in quality assurance or data operations.

Don't meet every single requirement? If you're excited about this role but your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.

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