Hoofddorp

Hove

London

Melbourne

Montreal

Staines

Sydney

Toronto

Graduate

Part Qualified

Associate

Qualified

Senior Actuary

Life

Investments

Health

Property & Casualty

Reserving

Reporting

Reinsurance

Risk

Research

Python

Modelling

Data Science

Experience Analysis

Coding

Motor

Pricing

Machine Learning

Consulting

Excel

ResQ

Power BI

Tableau

Emblem

Radar

Actuarial Pricing AnalystSalary: From £56,800 + excellent benefitsLocation status: Hybrid workingLocation: Willow House, Staines or Angel Court, LondonContract type: PermanentShift pattern: Full-time – 37.5hrsWe make health happenAt Bupa, we’re here to help people live longer, healthier, happier lives and make a better world. As a global healthcare leader with no shareholders, our focus is always on our customers. That means we reinvest our profits into better care, better experiences, and better outcomes.As an Actuarial Pricing Analyst, you’ll play a key role in shaping the future of our UK Insurance business. You’ll help us make smart, data-driven decisions that ensure our products are fair, competitive, and sustainable while keeping our customers at the heart of what we do.Key ResponsibilitiesYou’ll be part of a collaborative actuarial team, working on pricing and analytics for one or more of our health insurance or subscription products. Your day-to-day will include:<ul><li>Analysing historical performance to identify trends and recommend pricing actions</li><li>Modelling the future impact of pricing changes and presenting your insights to senior stakeholders</li><li>Supporting the development and pricing of new products and benefit features</li><li>Conducting investigations into areas like customer retention, competitor pricing, and long-term profitability</li><li>Using advanced analytical techniques to extract, refine and interpret data</li><li>Documenting your work in line with Technical Actuarial Standards</li><li>Collaborating with teams across Sales, Finance, Product, Clinical Policy and Healthcare Analytics</li><li>Working closely with our Actuarial Technical Hub to understand claims inflation and its impact</li></ul>You’ll be supported by a Senior Pricing Actuary but will also have the autonomy to lead your own projects and contribute to strategic decisions.What We’re Looking ForWe’re looking for someone who’s curious, analytical, and passionate about using data to make a difference. Ideally, you’ll bring:<ul><li>Experience in pricing within general insurance or health markets</li><li>Strong numerical and analytical skills</li><li>Practical knowledge of modelling techniques such as Generalised Linear Models, machine learning, or price optimisation</li><li>Proficiency in tools like SAS or SQL (experience with Emblem, Radar or R is a bonus)</li><li>Advanced Excel and PowerPoint skills</li><li>Strong communication skills – you can explain complex ideas clearly and simply</li><li>Progress towards an IFoA qualification (or equivalent) is desirable, but not essential if you have the right technical experience</li></ul>Above all, you care about doing the right thing for our customers and making health happen.BenefitsOur benefits are designed to make health happen for our people. Viva is our global wellbeing programme and includes all aspects of our health – from mental and physical to financial, social and environmental wellbeing. We support flexible working and have a range of family-friendly benefits.Joining Bupa in this role you will receive the following benefits and more:<ul><li>25 days holiday, increasing through length of service, with the option to buy or sell</li><li>Enhanced pension and life insurance</li><li>Discounts on Bupa products and services</li><li>Access to our health and wellbeing services, including mental health support</li><li>Opportunities for career development and progression</li></ul>Why BupaWe’re a health insurer and provider. With no shareholders, our customers are our focus. Our people are all driven by the same purpose – helping people live longer, healthier, happier lives and making a better world. We make health happen by being brave, caring and responsible in everything we do.We encourage all of our people to “Be you at Bupa”. We champion diversity, and we understand the importance of our people representing the communities and customers we serve. That’s why we especially encourage applications from people with diverse backgrounds and experiences.Bupa is a Level 2 Disability Confident Employer. This means we aim to offer an interview/assessment to every disabled applicant who meets the minimum criteria for the role. We’ll make sure you are treated fairly and offer reasonable adjustments as part of our recruitment process to anyone that needs them.Time Type: Full timeJob Area: Finance & AccountingLocations: Angel Court, London, Staines - Willow House

Consultant Actuarial, AffinityWe are seeking an aspiring actuary who can consult with our clients by translating complex concepts and actuarial analyses into concise, effective messaging. The ideal candidate will be familiar with and have experience in personal insurance products including travel insurance, embedded credit card insurance, personal home &amp; auto insurance, and life and health insurance solutions.We are a unique practice in the Canadian marketplace that focuses on the development of new insurance solutions and optimization of existing insurance solutions for Affinity program sponsors. These programs are targeted at large customer or membership bases of clients whose core business is not always insurance, such as banks, retailers, associations, and hospitality providers. Solutions are positioned to be complementary to the core services or product offerings of these Affinity organizations and the associated strategies that they employ to achieve key objectives of customer/member engagement, optimized customer experience, and revenue and business growth.Our work primarily relates to lines of business where property &amp; casualty pricing and reserving are necessary foundational elements of our analysis. However, experience in life and health insurance offers incremental added value to certain support activities of our practice. You will also be integrated into a broader team of Affinity consulting professionals where foundational elements of client strategy, customer engagement, and operations are complemented by core analytics delivered through the actuarial component of our practice.You will be on the front lines of insurance strategy development, product development/enhancement, and new business development. You will be exposed to a variety of lines of insurance business, clients, and unique solutions supporting an ever-evolving marketplace. The role is currently on a hybrid workstyle.The Role<ul><li>Consulting, actuarial and analytics support to clients</li><li>Pricing and loss reserving analysis, financial forecasting and scenario modeling, claims analyses, dashboard reporting, industry benchmarking, and other ad hoc analysis</li><li>Support to senior consulting staff on consulting mandates, including production of reports, presentations, summary analyses, and client communications</li><li>Analysis and recommendations related to client strategy assessments</li><li>Client-facing support on both technical and strategic issues</li><li>Collaborate with non-actuarial subject matter experts to support broader insights into client issues alongside core actuarial insights</li><li>Project management and oversight of day-to-day client deliverables</li><li>Identify and implement process and efficiency improvements</li><li>Coach and support the development of junior actuarial resources</li></ul>QualificationsThe Requirements<ul><li>More than 5 years of working experience in the actuarial field, with a preferred focus on property &amp; casualty actuarial consulting</li><li>An Associate or "near-Associate" of a recognized actuarial professional association with a preferred focus on attaining Fellowship through property &amp; casualty actuarial exams</li><li>Problem solving, critical thinking, and ability to apply technical assets to solve complex business problems</li><li>Experience with standard actuarial pricing and/or reserving techniques</li><li>Ability to communicate results in layman’s terms, both orally and in writing</li><li>Applies a high standard of quality control</li><li>Works well in teams and seeks assistance/support as appropriate</li><li>Demonstrates strong listening skills</li><li>Exhibits a positive attitude and demonstrates integrity in all interactions</li><li>Strong work ethic, including ability to show initiative, manage multiple priorities, and honor timely client commitments</li><li>Skilled in using the Microsoft suite, particularly with Excel, Word, and PowerPoint</li><li>Experience with manipulating and summarizing data using "R" or similar programming languages</li></ul>Other Valuable Candidate Assets<ul><li>Fluency in French</li><li>Experience with using Power Platform tools such as illustrating information on PowerBI and automating workflows on Power Automate</li><li>Experience with reserving and pricing tools like ResQ, Radar, Emblem</li><li>Past consulting and/or Affinity experience</li></ul>Equal Opportunity Employer

Time Type: Full timeWorker Type: EmployeeActuarial Analyst – Pricing<ul><li>Location: Sydney, NSW</li><li>Type: Permanent, full-time hours</li></ul>The opportunityThis is an exciting opportunity where you will have the chance to be a part of a pricing evolution at QBE. As an Actuarial Analyst within the Consumer Private Motor Pricing team, you will be part of actioning the pricing process from end to end to generate tangible benefits for QBE.Your new roleA day in the role may look a bit like this:<ul><li>Providing meaningful analysis and insights in areas of product, segment, channel and business profitability</li><li>Pricing impact analysis and development of price recommendations to the business</li><li>Work on premium adequacy, data extraction, modelling, price setting and monitoring</li><li>Continual evolution of rating algorithms</li><li>Working closely with the business, finance, and valuations teams to deliver various requirements</li></ul>About youTo be successful you will have:<ul><li>Tertiary qualification in Mathematics, Science, Data Science, Business, Actuarial Studies, or Computer Science</li><li>Experience in a similar role in General Insurance preferred</li><li>Strong MS Excel skills and experience in SAS programming</li><li>Familiarity with Emblem, R or Radar will be advantageous</li><li>Ability to communicate your analysis and findings to a wide range of stakeholders within the business</li><li>Ability to work autonomously and solve problems</li></ul>About QBEWe can never really predict what’s around the corner, but at QBE we’re asking the right questions to enable a more resilient future – helping those around us build strength and embrace change to their advantage.We’re an international insurer that’s building momentum towards realising our vision of becoming the most consistent and innovative risk partner.Our people will be at the centre of our success. We’re proud to work together and encourage each other to enable resilience for our customers, our environment, our economies, and our communities.With more than 13,000 people working across 27 countries, we’re big enough to make a real impact, but small enough to provide a friendly workplace, where people are down-to-earth, passionate and kind.We believe this is our moment – what if it was yours too? Your career at QBE — let’s make it happen!BenefitsWe offer a range of benefits to help provide holistic support for your work life, whatever your circumstances. As a QBE employee you will have access to and benefit from:<ul><li>‘Hybrid Working’ – a mix of working from home and in the office to enhance your work/life balance</li><li>Our ‘Thriving at our Best’ wellbeing program, including free holistic wellbeing coaching, nutritional, confidential counselling, financial and legal advice</li><li>18 weeks’ gender-equal flexible leave for all new parents, including paid super</li><li>The ability to maximise retirement savings through voluntary super contributions and company matching</li><li>Income protection insurance & reimbursed Death and Total Permanent Disability insurance premiums</li><li>Additional leave and support through QBE’s Family Domestic Violence First Responder Network</li><li>Discounts on insurance products, car hire, hotels, goods and services including benefits through our various sports and arts sponsorship partners</li></ul>Rewards & RecognitionWe value our employee’s experience with us and are proud to have been recognised for the following awards:<ul><li>2021 LinkedIn Top Employer & HRD Employer of Choice</li><li>2020 Best Workplace Diversity & Inclusion and Excellence Award for Best Health & Wellbeing at the Australian HR Awards</li><li>Platinum employer on the Australian Workplace Equality Index (AWEI) – the definitive national benchmark on LGBTQI+ workplace inclusion</li><li>Ranked 3rd place in the AAGE Top Graduate Employers 2023 for medium sized program as voted by graduates</li><li>Top 20 Workplaces for Dads in 2019 and 2020 (HBF Direct Advice for Dads)</li><li>Family First accredited employer since 2021</li></ul>Skills:Actuarial Science, Analytical Thinking, Commercial Acumen, Communication, Critical Thinking, Financial Management, Financial Modeling, Financial Products, Financial Risk Management (FRM), High Accuracy, Intentional collaboration, Managing performance, Problem Solving, Stakeholder Management, Technical ConsultingApplication Close Date: 30/04/2025 11:59 PMEqual Employment Opportunity:QBE is an equal opportunity employer and is required to comply with equal employment opportunity legislation in each jurisdiction it operates.

Consultant Actuarial, AffinityWe are seeking an aspiring actuary who can consult with our clients by translating complex concepts and actuarial analyses into concise, effective messaging. The ideal candidate will be familiar with and have experience in personal insurance products including travel insurance, embedded credit card insurance, personal home &amp; auto insurance, and life and health insurance solutions.We are a unique practice in the Canadian marketplace that focuses on the development of new insurance solutions and optimization of existing insurance solutions for Affinity program sponsors. These programs are targeted at large customer or membership bases of clients whose core business is not always insurance. Solutions are positioned to be complementary to the core services or product offerings of these Affinity organizations and the associated strategies that they employ to achieve key objectives of customer/member engagement, optimized customer experience, and revenue and business growth. Through our work, we are constantly challenging the market status quo.Our work primarily relates to lines of business where property &amp; casualty pricing and reserving are necessary foundational elements of our analysis. However, experience in life and health insurance offers incremental added value to certain support activities of our practice. You will also be integrated into a broader team of Affinity consulting professionals where foundational elements of client strategy, customer engagement, and operations are complemented by core analytics delivered through the actuarial component of our practice.You will be on the front lines of insurance strategy development, product development/enhancement, new business development, and exposed to a variety of lines of insurance business, clients, and unique solutions supporting an ever-evolving marketplace.The Role<ul><li>Consulting, actuarial and analytics support to clients</li><li>Pricing and loss reserving analysis, analysis of excess surplus or profit-sharing arrangements, financial forecasting and scenario modeling, claims analyses, dashboard reporting, industry benchmarking, and other ad hoc analysis</li><li>Support to senior consulting staff on consulting mandates, including production of reports, presentations, summary analyses, client communications, etc.</li><li>Analysis and recommendations related to client strategy assessments</li><li>Client-facing support on both technical and strategic issues</li><li>Collaborate with non-actuarial subject matter experts, such as product and strategy consultants and research analysts, to support broader insights into client issues alongside core actuarial insights</li><li>Project management and oversight of day-to-day client deliverables</li><li>Identify and implement process and efficiency improvements</li><li>Coach and support the development of junior actuarial resources</li></ul>QualificationsThe Requirements<ul><li>More than 5 years of working experience in the actuarial field, with a preferred focus on property &amp; casualty actuarial consulting</li><li>An Associate or "near-Associate" of a recognized actuarial professional association with a preferred focus on attaining Fellowship through property &amp; casualty actuarial exams</li><li>Problem solving, critical thinking and ability to apply technical assets to solve complex business problems</li><li>Experience with standard actuarial pricing and/or reserving techniques</li><li>Ability to communicate results in layman’s terms, both orally and written</li><li>Applies a high standard of quality control</li><li>Works well in teams and seeks assistance/support as appropriate</li><li>Demonstrates strong listening skills</li><li>Exhibits positive attitude and demonstrates integrity in all interactions</li><li>Strong work ethic, including ability to show initiative, manage multiple priorities, honor timely client commitments and manage time efficiently and effectively</li><li>Skilled in using the Microsoft suite, most particularly with Excel, Word and PowerPoint</li><li>Experience with manipulating and summarizing data using "R" or similar programming languages</li><li>Fluency in French</li><li>Experience with using Power Platform tools such as illustrating information on PowerBI and automating workflows on Power Automate</li><li>Experience with reserving and pricing tools like ResQ, Radar, Emblem</li><li>Past consulting and/or Affinity experience</li></ul>Equal Opportunity Employer

Your role at a glanceWe have a fantastic role for a Qualified Actuary to join our Retail Protection team as a Modelling and Research Actuary. In this role you will assist in the delivery of the data analytics capability and strategy for L&amp;G Retail Commercial by working closely with IT &amp; Change to ensure successful delivery of data sets, software, tooling, and infra-structure.You will also propose, design and implement analytical models and pricing assumptions for RP Commercial using the latest statistical models and techniques to help improve business processes in order to achieve divisional objectives. This is a Hybrid Working opportunity based from our London Offices, which will give you the freedom to find a work/life balance that suits you.What you'll be doing<ul><li>Providing ideas and solutions to complex business issues by delivering advanced analytic capabilities. This will be achieved by designing and implementing complex analytical models, scoping business requirements and future proofing data sources.</li><li>Ensuring data integrity by implementing, monitoring and controlling the appropriate levels of data integrity for the purpose of analysis. As well as seeking improvements to data quality, by contributing to system developments and by working with internal &amp; external customers.</li><li>Developing a suite of underwriting and pricing tools in order to create an assumption basis and reporting framework, including best practice guidelines, for RP Commercial Pricing.</li><li>Providing concise, clear and well communicated summaries of all analysis and present these findings to key stakeholders and at committees to achieve sign-off for proposals. You will also provide ongoing education to stakeholders to ensure quality decisions are made based off this analysis.</li><li>Mentoring and managing junior employees within the Analytics and Risk Modelling team, in a manner that is consistent with the Company’s policies and procedures and in respect of an inclusive culture, including the Partnership Agreement, to maximise the performance of the area.</li><li>Providing advice and guidance to colleagues including (where required) providing coaching and development of others such that specialist skills are developed and deployed throughout the organisation. You will also work closely with other Data Analytics / Actuarial teams and share experiences and knowledge to create a community of best practice.</li></ul>What we're looking for<ul><li>A qualified actuary with relevant work experience</li><li>Significant knowledge and experience of experience analysis and claims trend work.</li><li>Ability to build bases from first principles</li><li>Working knowledge of UK Life Insurance products and reinsurance market.</li><li>Skilled in statistical and modelling programmes such as R, Emblem and other open source technologies (e.g. Python) as well as Data visualisation software such as Tableau / PowerBI.</li><li>Commercial acumen with an ability to spot opportunities to improve business processes and deliver increased net business value add.</li><li>Practical experience conducting experience analyses and building bases.</li><li>Excellent report writing ability.</li><li>Project management skills - with the ability to lead initiatives from initial analysis through to final implementation.</li><li>Ability to build and maintain strong relationships with senior stakeholders.</li><li>Strong analytical and problem-solving skills.</li></ul>BenefitsWhen you commit to Legal &amp; General, we’ll commit to you too. That means we’ll recognise and reward your hard work, your performance and your contribution. If you join us, you’ll get access to some great benefits, including private medical insurance, 27 days holiday (excluding bank holidays), a generous pension scheme, life assurance, and Income Protection.You'll receive a car allowance of 12% of your annual salary, and you can participate in our electric car scheme, which offers employees the option to hire a brand new electric car through tax efficient salary sacrifice. We’re also proud to offer competitive family leave. You’ll have the opportunity to participate in our annual, performance-related bonus plan and valuable share schemes.And then there are the many discounts we offer that you can take advantage of – both for our own products and at a range of high street stores and online offerings.About L&amp;GThe brand with the brolly is choosing today to change tomorrow. Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands. We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet. We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.At L&amp;G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&amp;G. Will you join us?About the business areaLife can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal &amp; General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them. To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella.Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centered ambitions.Our commitment to Equal OpportunitiesGreat minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation. We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status.In fact, we embrace every dimension of diversity to reflect the customers and communities we serve. We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow. We all work differently, and have different needs, which is why we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process.So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

We have a fantastic role for a Qualified Actuary to join our Retail Protection team as a Modelling and Research Actuary. In this role you will assist in the delivery of the data analytics capability and strategy for L&amp;G Retail Commercial by working closely with IT &amp; Change to ensure successful delivery of data sets, software, tooling, and infra-structure.You will also propose, design and implement analytical models and pricing assumptions for RP Commercial using the latest statistical models and techniques to help improve business processes in order to achieve divisional objectives. This is a Hybrid Working opportunity which can be based from either our Hove or London Offices, which will give you the freedom to find a work/life balance that suits you.What you'll be doing<ul><li>Providing ideas and solutions to complex business issues by delivering advanced analytic capabilities. This will be achieved by designing and implementing complex analytical models, scoping business requirements and future proofing data sources.</li><li>Ensuring data integrity by implementing, monitoring and controlling the appropriate levels of data integrity for the purpose of analysis. As well as seeking improvements to data quality, by contributing to system developments and by working with internal &amp; external customers.</li><li>Developing a suite of underwriting and pricing tools in order to create an assumption basis and reporting framework, including best practice guidelines, for RP Commercial Pricing.</li><li>Providing concise, clear and well communicated summaries of all analysis and present these findings to key stakeholders and at committees to achieve sign-off for proposals. You will also provide ongoing education to stakeholders to ensure quality decisions are made based off this analysis.</li><li>Mentoring and managing junior employees within the Analytics and Risk Modelling team, in a manner that is consistent with the Company’s policies and procedures and in respect of an inclusive culture, including the Partnership Agreement, to maximise the performance of the area.</li><li>Providing advice and guidance to colleagues including (where required) providing coaching and development of others such that specialist skills are developed and deployed throughout the organisation. You will also work closely with other Data Analytics / Actuarial teams and share experiences and knowledge to create a community of best practice.</li></ul>What we're looking for<ul><li>A qualified actuary with relevant work experience</li><li>Significant knowledge and experience of experience analysis and claims trend work.</li><li>Ability to build bases from first principles</li><li>Working knowledge of UK Life Insurance products and reinsurance market.</li><li>Skilled in statistical and modelling programmes such as R, Emblem and other open source technologies (e.g. Python) as well as Data visualisation software such as Tableau / PowerBI.</li><li>Commercial acumen with an ability to spot opportunities to improve business processes and deliver increased net business value add.</li><li>Practical experience conducting experience analyses and building bases.</li><li>Excellent report writing ability.</li><li>Project management skills - with the ability to lead initiatives from initial analysis through to final implementation.</li><li>Ability to build and maintain strong relationships with senior stakeholders.</li><li>Strong analytical and problem-solving skills.</li></ul>BenefitsWhen you commit to Legal &amp; General, we’ll commit to you too. That means we’ll recognise and reward your hard work, your performance and your contribution. If you join us, you’ll get access to some great benefits, including private medical insurance, 27 days holiday (excluding bank holidays), a generous pension scheme, life assurance, and Income Protection.You'll receive a car allowance of 12% of your annual salary, and you can participate in our electric car scheme, which offers employees the option to hire a brand new electric car through tax efficient salary sacrifice.We’re also proud to offer competitive family leave. You’ll have the opportunity to participate in our annual, performance-related bonus plan and valuable share schemes. And then there are the many discounts we offer that you can take advantage of – both for our own products and at a range of high street stores and online offerings.About L&amp;GThe brand with the brolly is choosing today to change tomorrow. Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands.We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet. We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.At L&amp;G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&amp;G. Will you join us?About the business areaLife can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal &amp; General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them.To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella. Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centered ambitions.Our commitment to Equal OpportunitiesGreat minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation.We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status.In fact, we embrace every dimension of diversity to reflect the customers and communities we serve. We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow.We all work differently, and have different needs, which is why we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process. So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

Your role at a glanceWe have a great opportunity for a part qualified actuary to join our Retail Protection team here at L&amp;G.In this role you will support the Risk Pricing team to help maintain L&amp;G as one of the UK’s leading market providers of Individual Protection products. You will do this by helping to develop and deliver experience investigations, assumption settings and methodologies to enable Retail Protection to meet its business goals.This is a hybrid working opportunity that will allow you to work effectively from home or the office and can be based from either our Hove or London Offices. What you'll be doing<ul><li>Developing and maintaining the data integrity of an experience analysis system for Retail Protection business to ensure that key data is easily accessible for use within the wider Commercial team.</li><li>Interpreting the results of the experience investigations to develop and refine the pricing and best estimate basis, using data analysis and modelling techniques.</li><li>Maintaining and managing the existing suite of products and assisting in the delivery of new projects and initiatives developed within the business unit.</li><li>Assisting in the development and integration of the risk framework to ensure that it meets the necessary requirements.</li><li>Developing new and existing products by providing data analysis expertise and any additional support as required.</li><li>Using Actuarial, Machine Learning and/or Statistical techniques to create new scalable solutions to business problems.</li></ul> What we're looking for<ul><li>A part qualified actuary who is making good progress through the IFoA Exams.</li><li>Degree with significant statistical or data science components would be highly advantageous.</li><li>Previous experience of assumption setting within a Life Insurance environment would highly advantageous.</li><li>Knowledge of a relevant actuarial/statistical modelling platforms (e.g. Emblem) and data manipulation tools (e.g. SAS or R) would be highly advantageous.</li><li>An understanding of Individual Protection products and key issues associated.</li><li>Conceptual thinking ability with the ability to solve hard, abstract problems with smart, creative and elegant solutions, with a preference for simplicity.</li><li>Knowledge and understanding of Microsoft Office applications, including the ability to manipulate complex spreadsheets and VBA code.</li><li>Effective planning &amp; organisation skills with the ability to manage own time and appropriately prioritise multiple demands, disciplines and functions.</li><li>Ability to build effective relationships with stakeholders and colleagues to support the delivery of key projects on time.</li></ul> BenefitsWhen you commit to Legal &amp; General, we’ll commit to you too. That means we’ll recognise and reward your hard work, your performance and your contribution.If you join us, you’ll get access to some great benefits, including private medical insurance, at least 25 days holiday (excluding bank holidays), a generous pension scheme, life assurance, and Income Protection. You can participate in our electric car scheme, which offers employees the option to hire a brand new electric car through tax efficient salary sacrifice. We’re also proud to offer competitive family leave.You’ll have the opportunity to participate in our annual, performance-related bonus plan and valuable share schemes. And then there are the many discounts we offer that you can take advantage of – both for our own products and at a range of high street stores and online offerings.Legal &amp; General runs a highly regarded Actuarial Rotations Programme for students, which you will be a part of. The role you are applying to is part of our rotational program, designed to further develop and enhance your skills, and as part of this program you will be expected to rotate in both of our sites in London and Hove.About L&amp;GThe brand with the brolly is choosing today to change tomorrow.Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands.We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet.We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.At L&amp;G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&amp;G. Will you join us? About the business areaLife can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal &amp; General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them. To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella. Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centered ambitions.Our commitment to Equal OpportunitiesGreat minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation.We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status. In fact, we embrace every dimension of diversity to reflect the customers and communities we serve.We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow.We all work differently, and have different needs, which is why. we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process.So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

About iptiQ



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iptiQ is a risk tech start-up within Swiss Re Group. Swiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. 
 
iptiQ provides digital, bespoke and transparent L&amp;H and P&amp;C protection products in a B2B2C manner. Founded in 2014, we're transforming the way consumers buy insurance with a unique digital insurance engine which incorporates the latest technology with world-class underwriting capabilities. We build strong partnerships to sell insurance via trusted brands. 
 
Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. iptiQ embraces a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work. 








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About the role



We are looking for the special actuary! You will have a unique and exciting opportunity to join a diverse and motivated team, committed to delivering value and innovative services together with our clients and partners in the primary insurance space.



You will be a member of the product management team where product managers and actuaries are working very close together or are even united in one person. You will be responsible for the pricing development of easy-to-understand insurance products suitable for digitalization for our focus markets Germany, Netherlands, Switzerland, Italy, Spain and Portugal. You will work closely in cross-functional teams evaluating key consumer needs to build a great customer experience using brand-new technology solutions. While enabling attractive sales journeys, you will ensure robust underwriting, and work together with the claims team to ensure end-to-end automation capabilities. You will report to the Head Product Management DACH.



Your responsibilities include:



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	Generate pricing metrics for profitability management and benchmark analytics as well as partnership with the reserving department
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	Create very modular tariffs with focus on motor enabling high flexibility on coverage and object bundles while keeping adverse selection risks under tight control
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	Develop innovative and easy to understand P&amp;C products starting from our customers' perspective and in close collaboration with claims
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	In case of limited claims data, define technical and commercial tariffs for newly developed products while also performing more sophisticated actuarial analysis (GLM and new methods) for bigger portfolios
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	Continuously improve the selection and pricing of risks through the use of leading-edge pricing tools and models incl. predictive analytics
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	Monitor market developments, evaluate upcoming consumer needs and perform competitor benchmarking to ensure adequate positioning of our products
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	Be responsible for your own market and manage your product portfolio through continuous testing of different bundles, tariffs and sales journeys
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	Participate in sales pitches and ideation workshops as part of a cross-functional team to onboard new distribution partners in your market
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</ul>



About the team



We put the consumers' needs in the centre of what we do, aim to become a digital champion and believe in data-based learning. We use the Swiss Re network to access state of the art technologies and capabilities, combine it with local expertise and an innovative mind-set, constantly questioning current ways of offering insurance. Our aim is to drive the digitalisation of the P&amp;C insurance business in Europe as a white-label insurer working with trusted brands. We combine insurance know-how and e-commerce competencies, as well as the dynamic spirit of a start-up with the backing of Swiss Re.



Do you enjoy thinking ahead and identifying new opportunities or anticipate future challenges? Do you like driving sophisticated projects in an agile way? Join us today if you enjoy pushing borders and have a passion for the latest technologies!



About you



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	Fully qualified actuary with 3+ years of experience in P&amp;C retail pricing (experience with key software such as Earnix, Emblem is an advantage) in Continental Europe
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	Expertise in statistical modelling and data analytics (Proficiency in modelling languages such as R, Python or similar) and comfortable learning and working with new software
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	Technology minded with a clear view on how technology can be used for customer friendly underwriting and more attractive insurance products
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	Creative and have many ideas how to improve the current market practices and enhancing the customer experience through transparent products
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	Hands-on and independent working style embracing cross-functional teams and partnering with distribution partners from different industries and backgrounds
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	Ambitious and able to demonstrate commercial competence when partnering with distributors and driving product innovation
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	Clear and effective communication with internal and external business leaders
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	Proficiency in Dutch and English; proficiency in other EU languages is a plus
	</li>
</ul>



We are an equal opportunity employer, and we value diversity at our company. Our aim is to live visible and invisible diversity – diversity of age, race, ethnicity, nationality, gender, gender identity, sexual orientation, religious beliefs, physical abilities, personalities and experiences – at all levels and in all functions and regions. We also collaborate in a flexible working environment, providing you with a compelling degree of autonomy to decide how, when and where to carry out your tasks.

 

We provide feedback to all candidates via email. If you have not heard back from us, please check your spam folder.



#LI-Hybrid
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Keywords:   
Reference Code: 115541 


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