LoVasco

Financial Planning and Analysis

• You’ll keep a close eye on how our clients’ plans are performing — monitoring monthly claims across medical, pharmacy, dental, and vision, tracking utilization trends, and flagging cost drivers before they become surprises. You’ll turn that data into clear reports and dashboards for both internal teams and clients.
• You’ll build and maintain underwriting and financial models to project renewal costs, explore plan design alternatives, and support multi-year cost planning. The goal isn’t just accurate outputs; it’s making sure those outputs are presented in a way that actually helps clients make decisions.
• You’ll prepare RFPs and underwriting submissions, analyze carrier and stop-loss proposals, and build the side-by-side comparisons that guide client choices.
• You’ll contribute data-driven thinking to client strategy conversations by modeling plan design changes, contribution strategies, and employee cost-sharing scenarios. You’ll help prepare renewal scenarios that walk clients through the range of outcomes so they can make confident, informed decisions.
• You’ll be part of something exciting: partnering with our internal Data & Engineering Team as they build software to automate our monthly and quarterly claims reporting. You’ll validate outputs, flag anomalies, and provide the real-world feedback that shapes the final product.
• You’ll work closely with Financial Consultants and Account Managers, contributing to the accuracy and quality of client deliverables. You’ll participate in team knowledge sharing, look for ways to improve processes, and grow into an even more valuable contributor over time.

Financial Analyst, Employee Benefits

• Monitor plan performance across medical, pharmacy, dental, and vision lines by reviewing monthly claims reports, tracking utilization trends, and identifying key cost drivers.
• Summarize findings in clear financial reports and dashboards for internal teams and client-facing discussions.
• Ensure data accuracy across all reporting, resolving discrepancies as they arise.
• Build and maintain sophisticated underwriting and financial models to project renewal costs, evaluate plan design alternatives, and develop multi-year cost forecasts.
• Support client budgeting decisions across fully insured, level-funded, and self-funded arrangements.
• Translate complex modeling outputs into clear, client-ready exhibits and financial presentations.
• Prepare underwriting submissions and RFPs, evaluate carrier proposals and stop-loss quotes, and develop detailed side-by-side financial comparisons to support client decision-making.
• Conduct rigorous network discount analyses when evaluating alternative carriers, TPAs, and provider arrangements.
• Evaluate stop-loss quotes from multiple carriers, assess attachment point adequacy relative to a client's claims exposure and risk tolerance, and negotiate contract terms.
• Lead carrier negotiations on rates, assumptions, and contract terms.
• Contribute data-driven perspectives in client strategy sessions, supporting plan design discussions, funding strategy recommendations, and long-term cost management planning.
• Evaluate the financial impact of plan design changes and model contribution strategies and employee cost-sharing scenarios.
• Present best-case, expected, and worst-case renewal scenarios to help clients understand trade-offs and align decisions with their risk tolerance.
• Lead the financial portions of client meetings and presentations, translating complex analysis into clear, actionable recommendations for HR leaders and executives.
• Serve as a strategic financial partner to clients throughout the year — from post-renewal review through renewal execution — ensuring they understand their plan performance and can make confident, informed decisions.
• Support new business development by preparing financial exhibits, assessing plan performance, and analyzing utilization data as needed.
• Partner with LoVasco's internal Data & Engineering Team as they build software to automate the creation and delivery of monthly and quarterly claims dashboards.
• Validate automated outputs, surface data anomalies, and provide ongoing feedback as the platform evolves — ensuring the final product reflects the depth and accuracy clients expect.
• Guide and develop Financial Analysts, providing peer review of financial exhibits and deliverables to ensure accuracy and consistency.
• Serve as a financial resource for Account Managers and Account Executives.
• Contribute to the continuous improvement of reporting tools, underwriting models, and internal processes, and participate in knowledge sharing, training, and intellectual capital development.

Financial Analyst, Employee Benefits

Senior Financial Analyst