Who We AreNava is on a mission to #fixhealthcare. Nearly 160M Americans rely on their employers for healthcare — yet the system is broken, bloated, and dominated by incumbents who resist change. Nava fuses deep benefits expertise with cutting-edge technology to deliver a modern, transparent, and affordable healthcare experience.Founded by seasoned entrepreneurs and backed by leading investors, Nava is one of the fastest-growing benefits brokerages in the country. Nava combines brokerage know-how with proprietary tech like HQ: an AI-powered benefits platform designed to help HR teams take control of renewals, simplify strategy, eliminate spreadsheet chaos, and empower employees to navigate their benefits with ease.About the RoleAt Nava, great client outcomes are driven by smart strategy and rigorous financial insight paired with a strong point of view. Nava is seeking an Alternative Funding & Risk Strategy Consultant (exact title TBD) to help shape how Nava approaches self-funded and alternative funding strategies across its client base.This is not a purely analytical role. The role requires pairing deep technical expertise with consultative judgment—understanding the mechanics of self-funded plans, underwriting, and stop-loss structures, and confidently answering not just what the numbers say, but what Nava should do about them.You’ll play a central role in building Nava’s alternative funding playbook, advising Client Success and Sales teams on complex renewals and prospect strategies, and helping establish internal standards around when and how Nava recommends self-funding to employers.What you’ll doAlternative Funding Strategy & AdvisoryAct as a subject matter expert on self-funded, level-funded, and captive strategies across mid-market and large employer groups (100–5,000 EEs)Advise internal teams on funding structure decisions, risk tolerance, and financial tradeoffsDevelop and refine Nava’s philosophy, frameworks, and playbooks for alternative funding recommendationsProvide authoritative guidance on rate setting, trend assumptions, and funding structuresFinancial Modeling & Scenario AnalysisStress-test assumptions and clearly document methodology to ensure transparency, defensibility, and scalabilityInterpret carrier and stop-loss underwriting outputs with an informed, critical lensBuild and maintain sophisticated financial models in Excel and Google Sheets to support: self-funded feasibility studies; stop-loss deductible and attachment point strategies; best, expected, and worst-case cost scenarios; multi-scenario renewal modelingRenewal & Growth Strategy SupportPartner closely with Client Managers on complex renewals, serving as a strategic financial partner rather than solely an analytical resourceSupport Solutions Consultants on RFPs and prospect opportunities where alternative funding may be appropriateReview and compare stop-loss quotes and contract terms, identifying financial and contractual risks including lasers, exclusions, and contract basisInsights & Narrative DevelopmentTranslate complex data into clear financial insights and recommendationsContribute directly to client-facing strategy discussions when appropriate as a technical and financial authorityHelp shape the financial story behind renewal and funding recommendations, not just the underlying numbersTooling & Continuous ImprovementBuild and evolve modeling tools, templates, and internal best practicesIdentify opportunities to standardize and scale analytical and underwriting approaches across the organizationServe as a resource and mentor to Client Managers and Consultants seeking deeper financial understandingWhat you’ll bring5–8+ years of experience in alternative funding, underwriting, actuarial-adjacent, or advanced markets roles within a brokerage, carrier, or consulting environmentAdvanced Excel and Google Sheets skills, including complex financial modeling, scenario analysis, and multi-tab workbooksHands-on experience analyzing medical and ideally pharmacy claims data for mid-market and large employer groupsStrong understanding of self-funded plan economics, stop-loss structures (specific and aggregate), and funding strategy tradeoffsAbility to move from raw data to strategic recommendation, not just reporting outputsComfort partnering with client-facing teams and occasionally participating in client or prospect conversationsExcellent project management skills and ability to juggle many parallel analysesNice-to-haves:Prior stop-loss underwriting or carrier-side experienceExposure to captive arrangementsActuarial training or actuarial-adjacent backgroundExperience setting or influencing rate assumptionsExperience building internal financial frameworks or playbooksWorking at NavaAs a remote-first company, Nava is committed to building a dynamic and inclusive culture where you have the autonomy to thrive. You’ll be supported by cutting-edge technology, a collaborative team, and a shared mission to revolutionize healthcare.Please note: The benefits below apply to full-time (W2) employees and are not included for contractor roles.BenefitsHealth & Wellness: Medical insurance, including a $0 premium HDHP plan for individuals, Dental, Vision, Telehealth and Virtual Primary Care Visits, OneMedical membership, Wellhub, and a $50 monthly benefit to improve your mental or physical health.Financial Support: Stock options, 401(k) with a $2,000 match, FSA, HSA, and access to Origin Financial.Work-Life: Flexible PTO, 12 weeks of paid parental leave with 2 weeks of transition time, $50 monthly connectivity reimbursement, and company-paid short-term disability, long-term disability, and life insurance, with additional voluntary benefits like supplemental life, AD&D, hospital indemnity, accident, and critical illness coverage.Professional Support: $1,000 home office setup stipend and access to an Employee Assistance Program (EAP)Candidates from all backgrounds are encouraged to apply. Nava believes solving America's healthcare problem requires leveraging America's greatest strength: diversity.
