Business intelligence analyst jobs in North Miami, FL

We are seeking a Business and Exposure Analyst to join our flood insurance analytics team in Miami. In this role, you will leverage your data analysis expertise and business insight to inform catastrophe modelling, manage exposure data, and support flood underwriting decisions. You will work closely with cross-functional stakeholders - including underwriters, risk modelers, and management - to translate complex data into actionable insights. This position offers a hybrid work schedule (at least 3 days per week in-office) and requires 4-6 years of insurance exposure/CAT modelling analysis. Duties/Responsibilities: Collect and prepare data: Gather, cleanse, and validate property exposure data (e.g. insured locations, values) to ensure accuracy for catastrophe risk modelling and analysis. Catastrophe modelling: Run and interpret flood catastrophe models and simulations to estimate potential losses for individual events and entire portfolios. Analyze model outputs to inform portfolio management strategies and reinsurance decisions. Exposure management: Monitor and manage the company's flood insurance portfolio exposure, identifying concentrations of risk (by geography, construction type, etc.) and providing recommendations to optimize the portfolio's risk profile and reshape appetites. Event analysis: Provide timely analysis and loss estimates during significant flood events (e.g. hurricanes) to support rapid decision-making and internal/external communications. Gather exposure data to inform key stakeholders of potential risk. Reporting and visualization: Produce regular reports and dashboards on key flood risk metrics, model results, and portfolio performance for stakeholders such as underwriters, actuaries, and senior management. Continued enhancement of metrics and reporting formats. Underwriting support: Support the flood underwriting team by providing data-driven insights for individual high-value accounts and policy renewals. This includes analyzing flood zone determinations, historical claims data, submission data and modelled loss estimates to assist in risk selection and pricing both algorithmic and analog. Improve sophistication of digital underwriting capabilities. Stakeholder collaboration: Work closely with underwriters, catastrophe modelling specialists, actuaries, and product managers to understand business needs and develop analytical solutions. Ensure that analytics align with underwriting guidelines and regulatory requirements. Communication of insights: Translate complex analytical findings into clear, actionable insights and communicate them to both technical and non-technical stakeholders (e.g. underwriting teams, executives), through presentations, reports, and visualizations. Process improvement: Contribute to the development and enhancement of internal tools, models, and processes (such as GIS mapping tools or data pipeline automation) to improve efficiency in risk analysis and exposure management. Continuous learning: Stay up-to-date with industry developments in catastrophe modelling, flood risk assessment, and insurance analytics. Proactively apply new insights, data sources, or techniques to improve our analytic capabilities and decision-making. Required Skills/Abilities: Experience: 4-6 years of professional experience in data analytics, catastrophe risk modeling, insurance analytics, or a related field (mid-level role). Education: Bachelor's degree in Statistics, Data Science, Finance, Environmental Science, Engineering, Business, or a related discipline (Master's degree or relevant industry certifications are a plus). SQL proficiency: Strong skills in SQL for querying databases and manipulating large datasets. Programming: Hands-on experience with a programming language for data analysis, such as Python or R, to clean data, perform statistical analysis, and automate tasks. Excel expertise: Advanced Excel skills for data analysis and reporting (e.g. pivot tables, complex formulas; VBA knowledge is a plus). GIS and mapping: Familiarity with GIS tools (ArcGIS or QGIS) for spatial data analysis and creating flood risk maps. Data platforms: Experience working with cloud-based data warehouses or big data platforms (e.g. Snowflake, Databricks) in an AWS environment for data storage and analysis. Catastrophe modeling knowledge: Understanding of catastrophe modeling and exposure management concepts; experience working with catastrophe risk models or flood hazard data. Insurance domain expertise: Knowledge of insurance underwriting processes (especially in property or flood insurance) and the ability to support underwriting decisions with analytical insights. Experience in flood insurance or natural catastrophe insurance analytics. Communication skills: Excellent written and verbal communication skills, with the ability to present complex technical information to non-technical audiences clearly. Strong interpersonal skills for effective collaboration with stakeholders across teams. Analytical mindset: Strong analytical and problem-solving skills with keen attention to detail, and a naturally curious approach to exploring data for insights and continuous improvement. Initiative and organization: Self-motivated and proactive, able to manage multiple priorities and projects in a fast-paced environment. Proven ability to work both independently and as part of a team. About Tokio Marine Highland Tokio Marine Highland Insurance Services (TMH) is a leading property and casualty underwriting agency. We offer a broad suite of tailored specialty risk management solutions, including private flood, fine art and lender-placed products. At TMH, it's all about our clients. Nationwide, our customers rely on our trusted, industry-leading coverages, supported by compliance expertise, superior claims management and the highest caliber of service. Founded in 1962, TMH is a wholly owned company of Tokio Marine Kiln, one of the largest carriers in the Lloyd's of London insurance market and a member of the Tokio Marine Group. TMH has operating centers in Chicago, Il, Frisco, Texas, Miami, Fla., and South Pasadena, Calif. If you're looking to advance your career, TMH is the perfect professional home. At TMH, you'll have a chance to innovate with the world's leading businesses, put your expertise into action on major projects, and work on game-changing initiatives. You'll also make long-lasting professional connections through sharing different perspectives, and you'll be inspired by the best. Tokio Marine Highland, LLC (TMH) is an Equal Opportunity Employer. TMH's success depends heavily on the effective utilization of qualified people, regardless of their race, ancestry, religion, color, sex, national origin, sexual orientation, gender identity and/or expression, disability, veteran status, or any characteristic protected by law. As a company, we adhere to and promote equal employment opportunities for all. Consistent with the Americans with Disabilities Act (ADA) and applicable state and local laws, it is TMH's policy to provide reasonable accommodation when requested by qualified individuals with disabilities during the recruitment process, unless such accommodation would cause an undue hardship. To make an accommodation request, please contact *****************************.