London

Part Qualified

Associate

Qualified

Senior Actuary

Life

Investments

Health

Pensions

Reporting

Reinsurance

Risk

Systems

Python

Modelling

Coding

Bulk Annuities

Pricing

Excel

Julia

DB Pricing ActuaryDate Posted: 10/06/2025Location: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, and with the defined benefit buy in/buy out space growing each year, Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling and credible goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.We’re a company on a mission: to become a beacon for the entire retirement industry. We believe everyone deserves a fair, secure, and fulfilling retirement.PurposeWe are recruiting a DB Pricing Actuary to join our DB (Defined Benefit) Pricing team. The role will involve supporting the DB team in their objectives to deliver a market-leading Bulk Annuity service and grow in line with our business plan.Job Role Accountabilities<ul><li>Be a key member of the DB Pricing team, responsible for reviewing and delivering new business quotations in an accurate and timely manner.</li><li>Manage projects and project teams, proactively driving them forward to ensure they are progressed in line with expected timescales.</li><li>Develop a deep technical and operational knowledge of all systems and tools used in DB.</li><li>Continuously look for areas where we can improve; our people have a proactive approach to integrating technology into daily tasks and processes to drive innovation and efficiency.</li><li>Be curious, proactive, and open to new ideas. Applicants should demonstrate a track record of adapting to change, embracing technology, learning from experience, and showing resilience in the face of obstacles.</li><li>Proactively promote a culture of collaboration and engagement within the DB Pricing team, set an example for junior team members, and help with coaching/training of the team.</li><li>Work closely and collaborate with our DB Reinsurance and Commercial teams to ensure effective delivery of competitive, market-leading propositions.</li></ul>Skills and Knowledge<ul><li>Good knowledge and awareness of the DB buy in/buy out market, life insurance, and relevant regulation.</li><li>Strong numeracy skills.</li><li>Sound knowledge of technical actuarial concepts, particularly principles underlying bulk annuity pricing.</li><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills including Excel and programming languages, and a keen attitude to learn where these skills don’t exist.</li><li>Good interpersonal and team working skills.</li><li>Ability to work without close supervision.</li></ul>Experience<ul><li>Experience of working within a related field (pensions, insurance, finance) is desirable.</li><li>Coding experience is desirable, for example Julia, Python, and/or VBA.</li></ul>Qualifications<ul><li>2.1 or above in a technical/mathematical degree is desirable.</li><li>FIA qualification or equivalent.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We’ve made good progress so far and encourage our people to make small and meaningful changes in their everyday lives to protect our planet for future generations.Diversity, Equity, and Inclusion (DE&I) is a key priority for Just as part of our overall strategy, ensuring all of our people feel proud to work at Just. We have joined a number of initiatives designed to improve outcomes for employees from underrepresented backgrounds. We also run a Reciprocal Mentoring scheme for employees from diverse backgrounds.What’s clear about working at Just is that we care. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.Apply Now

DB Senior Actuarial AnalystDate Posted: 06/06/2025Location: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company specializing in retirement solutions. Our world is moving quickly, with the defined benefit buy in/buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.PurposeThe purpose of this role is to undertake pricing and actuarial input required to support the delivery of the DB Business Plan. This includes all aspects of BAU delivery and other ad hoc requirements.Job Role Accountabilities<ul><li>Support DB Pricing Actuary in accurate and timely delivery of new business quotations.</li><li>Populate and run pricing models to calculate premiums, including manipulation of data, assumption setting, and calculation of all associated pricing metrics.</li><li>Check drafts of internal sign-off documentation produced by DB Actuarial Analysts for each quotation, ensuring results are presented to the DB Pricing Actuary clearly, outlining all material areas of judgement and limitations.</li><li>Check initial drafts of quotation documents to be issued externally.</li><li>For quotes that are outsourced, work with DB Actuarial Analyst and DB Pricing Actuary to transition the scheme to the outsourcer and produce final deliverables for the quotation.</li><li>Proactively drive projects forward to ensure they are progressed in line with expected timescales.</li><li>Develop a deep knowledge of all systems and tools used in DB pricing.</li><li>Provide support in ad hoc tasks such as data analysis, proposition developments, systems testing, and process improvements.</li><li>Assist in the development of junior team members.</li><li>Proactively work to promote a culture of collaboration and engagement within the DB Pricing team.</li></ul>QualificationsWorking towards FIA qualification and making good progress with the actuarial exams is desirable, but we are also interested in someone who has ceased working towards an actuarial qualification.Skills and Knowledge<ul><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills, particularly in Excel.</li><li>Good interpersonal and team working skills.</li><li>Excellent verbal and written communication skills, with the ability to present complex financial concepts clearly and concisely.</li><li>Ability to work without close supervision.</li><li>Sound knowledge of technical actuarial concepts, particularly principles underlying bulk annuity pricing.</li><li>Good knowledge and awareness of the DB buy in/buy out market, life insurance, and relevant regulation.</li></ul>ExperienceGood experience of working within a pensions or investment consultancy, life insurer, or reinsurer. Coding experience is desirable, for example, Julia, Python, and/or VBA.Why Just? We are committed to building a more sustainable business and have publicly committed to reducing our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We encourage our people to make small and meaningful changes in their everyday lives to protect our planet for future generations.Diversity, Equity, and Inclusion (DE&I) is a key priority for Just as part of our overall strategy, ensuring all of our people feel proud to work at Just. We have joined several initiatives designed to improve outcomes for employees from underrepresented backgrounds. We also run a Reciprocal Mentoring scheme for employees from diverse backgrounds.What’s clear about working at Just is that we care. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Senior Reinsurance ActuaryDate Posted: 19/05/2025Location: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in/buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to ensure security and peace of mind in retirement.We’re on a mission to become a beacon for the entire retirement industry because we believe everyone deserves a fair, secure, and fulfilling retirement.PurposeIn this role, you will help to develop Just’s reinsurance capabilities for the Defined Benefits (DB) business. You will work across the DB team to analyse reinsurance pricing and implement reinsurance terms from multiple counterparties into the DB Pricing framework. You will also optimise the use of reinsurance from both an operational and commercial perspective.Skills and Knowledge<ul><li>Problem analysis and resolution skills.</li><li>Ability to work without close supervision.</li><li>Capable of working collaboratively and effectively.</li><li>Strong IT skills including Excel and programming languages, with a keen attitude to learn where these skills don’t exist.</li><li>Excellent verbal, written communication, and interpersonal skills.</li><li>Open-minded and willing to engage in challenge.</li><li>High degree of understanding of the products and services provided by the Group, the markets, and the regulatory/legal framework.</li><li>Knowledge of the DB de-risking market, pricing of DB liabilities and associated metrics, annuity products, pricing systems, Solvency II capital requirements, and reinsurance arrangements.</li></ul>Experience<ul><li>Experience gained in the Life Insurance industry, including reinsurance experience.</li><li>Experience in the bulk annuity market.</li><li>Defined benefit experience is desirable.</li><li>Coding experience is desirable, for example, Julia, Python, and/or VBA.</li></ul>Company Benefits<ul><li>A competitive salary, pension scheme, and life assurance.</li><li>25 days annual leave plus an additional day for your birthday.</li><li>Private medical cover and income protection.</li><li>A generous and highly achievable bonus scheme, paid annually based on individual and company performance against targets.</li><li>Opportunity to progress within your career both in-role and within the company.</li><li>Free access to the Headspace App, a 24/7 Employee Assistance Helpline, and trained physical & mental health first aiders (on-site).</li><li>A variety of employee-funded benefits available via our online benefits portal.</li><li>Several additional purchase options available for you and your loved ones.</li></ul>Apply Now

DB Reinsurance ActuaryDate Posted: 20/02/2025Location: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in/buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling and credible goals. Quite simply, we help people achieve a better later life.We achieve this by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security, certainty, and peace of mind in retirement. We’re a company on a mission: to become a beacon for the entire retirement industry. We believe everyone deserves a fair, secure, and fulfilling retirement.PurposeIn this role, you will help to develop Just’s reinsurance capabilities for the Defined Benefits (DB) business. You will work across the DB team to analyse reinsurance pricing and implement reinsurance terms from multiple counterparties into the DB Pricing framework. Your goal will be to optimise the use of reinsurance from an operational and commercial perspective.Skills and Knowledge<ul><li>Problem analysis and resolution skills.</li><li>Ability to work without close supervision.</li><li>Capable of working collaboratively and effectively.</li><li>Strong IT skills including Excel and programming languages, with a keen attitude to learn where these skills don’t exist.</li><li>Excellent verbal, written communication, and interpersonal skills.</li><li>Open-minded and willing to engage in challenge.</li><li>High degree of understanding of the products and services provided by the Group, the markets, and the regulatory/legal framework that the Group operates within.</li><li>Knowledge of the DB de-risking market, pricing of DB liabilities and associated metrics, Annuity products and pricing systems, Solvency II capital requirements, and Reinsurance arrangements.</li></ul>Experience<ul><li>Experience gained in the Life Insurance industry, including reinsurance experience.</li><li>Experience in the bulk annuity market.</li><li>Defined benefit experience is desirable.</li><li>Coding experience is desirable, for example, Julia, Python, and/or VBA.</li></ul>Company Benefits<ul><li>A competitive salary, pension scheme, and life assurance.</li><li>25 days annual leave plus an additional day for your birthday.</li><li>Private medical cover and income protection.</li><li>A generous and highly achievable bonus scheme, paid annually based on individual and company performance against targets.</li><li>Opportunity to progress within your career both in-role and within the company.</li><li>Free access to the Headspace App and a 24/7 Employee Assistance Helpline.</li><li>A variety of employee-funded benefits available via our Online Benefits Portal.</li><li>Several additional purchase options available for you and your loved ones.</li></ul>Apply Now

DB Transaction Solutions Senior AnalystDate Posted: 17/02/2025Location: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in/buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling goals, helping people achieve a better later life through competitive and innovative products, services, financial advice, and guidance.We aim to become a beacon for the retirement industry, believing that everyone deserves a fair, secure, and fulfilling retirement.PurposeThe purpose of this role is to undertake actuarial input on asset solutions and funded reinsurance to support the delivery of the Defined Benefit (DB) Business Plan and the management of ongoing funded reinsurance contracts.Job Role Accountabilities<ul><li>Support the Head of DB Transaction Solutions with the development of tools, processes, and methodologies for the production of price locks for DB transactions.</li><li>Model pension scheme liquid asset portfolios to create bespoke price locks for larger transactions.</li><li>Monitor aggregate market risk exposure across ongoing DB transactions and summarise for the Pricing Committee and Market Risk Forum.</li><li>Liaise with Derivative Solutions and ALM teams on the implementation of hedges to mitigate market risk.</li><li>Give initial consideration to scheme requests to transfer liquid assets in-specie as part of premium payment.</li><li>Support the Head of DB Transaction Solutions with the continued development of pricing methodologies for larger DB transactions.</li><li>Collateral management for existing funded reinsurance arrangements.</li><li>Develop a deep knowledge of systems and tools used across DB and ensure further developments are efficiently integrated.</li></ul>Qualifications<ul><li>2.1 or above in a technical/mathematical degree is desirable.</li><li>Many of our team are working towards an FIA qualification, but we also consider individuals not pursuing an actuarial qualification or working towards alternatives (e.g., CFA).</li></ul>Skills and Knowledge<ul><li>Strong numeracy skills.</li><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills, including Excel and programming languages.</li><li>Good interpersonal and team working skills.</li><li>Excellent verbal and written communication skills.</li><li>Ability to work without close supervision.</li><li>Sound knowledge of technical actuarial concepts, particularly principles underlying bulk annuity pricing.</li><li>Good knowledge of the DB buy in/buy out market, life insurance, and relevant regulation.</li></ul>Experience<ul><li>Experience working with pension scheme asset portfolios and using Bloomberg is desirable.</li><li>Coding experience is desirable, for example, Julia, Python, and/or VBA.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We encourage our people to make small and meaningful changes in their everyday lives to protect our planet for future generations.Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We have joined initiatives designed to improve outcomes for employees from underrepresented backgrounds and run a Reciprocal Mentoring scheme for employees from diverse backgrounds.We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Transaction Solutions ManagerDate Posted: 05/02/2025Location: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in/buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling and credible goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.PurposeThe purpose of this role is to undertake actuarial input on asset solutions and funded reinsurance to support the delivery of the DB Business Plan and the management of ongoing funded reinsurance contracts.Job Accountabilities<ul><li>Support the Head of DB Transaction Solutions with the development of tools, processes, and methodologies for the production of price locks for DB transactions.</li><li>Work closely with the DB pricing team to streamline BAU price lock production and coordinate with Treasury on bespoke price locks for complex transactions.</li><li>Monitor aggregate market risk exposure across ongoing DB transactions and summarise for the Pricing Committee and Market Risk Forum.</li><li>Liaise with Treasury and ALM on the implementation of hedges to mitigate market risk in “exclusivity”.</li><li>Consider scheme requests to transfer liquid assets in-specie as part of premium payment and coordinate with the Investment Team on detailed analysis.</li><li>Support the continued development of illiquid asset solutions, including deferred premium and in-specie transfers.</li><li>Assist in the development of pricing methodologies for larger DB transactions, including bespoke pricing approaches for specific deals.</li><li>Manage collateral for existing funded reinsurance arrangements and support the DB Reinsurance Development team with new agreements.</li><li>Provide ad hoc support for new features as needed for strategically significant, complex, or large deals.</li><li>Develop a deep knowledge of systems and tools used across DB and ensure efficient integration of further developments.</li><li>Develop proficiency in programming languages utilised in DB, particularly Julia, focusing on scalable coding solutions that limit reliance on Excel.</li></ul>Qualifications<ul><li>Obtained FIA qualification.</li></ul>Skills and Knowledge<ul><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills, particularly in Excel and coding.</li><li>Good interpersonal, team working, and leadership skills.</li><li>Excellent verbal and written communication, with the ability to present complex financial concepts clearly.</li><li>Ability to work without supervision.</li><li>Strong technical skills and deep knowledge of actuarial concepts, particularly those underlying bulk annuity pricing.</li><li>Strong knowledge of the DB buy in/buy out market, life insurance, and relevant regulation.</li></ul>Experience<ul><li>Minimum of 3 years of experience working within a pension consultancy or life insurance company.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We encourage our people to make small and meaningful changes in their everyday lives to protect our planet for future generations.Diversity, Equity, and Inclusion (DE&I) is a key priority for Just as part of our overall strategy. We ensure all of our people feel proud to work at Just. We have joined initiatives designed to improve outcomes for employees from underrepresented backgrounds. We also run a Reciprocal Mentoring scheme for employees from diverse backgrounds.What’s clear about working at Just is that we care. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.Apply Now

PurposeTo support the company's ambitious growth plans, we are recruiting a DB Systems Analyst to join our DB (Defined Benefit) System Development team. The purpose of this role is to support Just’s DB Pricing platform through building, developing and maintaining databases and models used for pricing calculations of defined benefit bulk annuities. Your contributions will enhance the scalability of our Pricing platform, supporting the DB team to provide reliable, comprehensive and market leading solutions to our clients.Key Accountabilities:<ul><li>Contribute as a member of the DB System Development team which is responsible for developing and maintaining our Pricing platform to enable the DB Core Pricing team to efficiently and accurately price bulk annuities.</li><li>Continuously seek opportunities to improve and enhance the processes of the DB Core Pricing team, our people have a proactive approach to integrating technology into daily tasks and processes in order to drive innovation and efficiency.</li><li>Develop a deep technical knowledge of all systems, tools and coding languages used in DB Systems Development.</li><li>Work closely with the DB Core Pricing team to gather requirements and specifications for model development, testing, and validation. Ensure model developments are embedded effectively.</li><li>Collaborate with the DB Strategic Development team to ensure the interoperability of the Pricing and Data platforms.</li><li>Collaborate with the DB Pricing and Proposition Development teams to ensure new or enhanced propositions can be supported with our Pricing platform.</li><li>Work collaboratively with colleagues in Finance and Reporting, the DB Data and Transitions and DB Operations teams to ensure that changes flow through effectively to the wider DB ecosystem.</li><li>Work with key internal stakeholders to ensure delivery timescales are communicated effectively.</li><li>Proactively work to promote a culture of collaboration and engagement across the DB Pricing & Reinsurance team.</li><li>Be curious, proactive and open to new ideas - applicants should demonstrate a track record of adapting to change, embracing technology, learning from experience, and showing resilience in the face of obstacles.</li></ul>Qualifications, Skills and ExperienceEssential:<ul><li>Enthusiasm and a keenness to learn and collaborate with the team and wider business.</li><li>Familiarity with programming languages for financial modelling, for example: Julia, Python, R or VBA.</li></ul>Desirable:<ul><li>2.1 or above in a technical/mathematical degree is desirable.</li><li>Familiarity of working with databases, i.e. SQL, Access would be advantageous.</li><li>Understanding of automated testing and continuous integration.</li><li>Knowledge and awareness of UK Defined Benefit pension schemes, the DB buy in/buy out market, life insurance and relevant regulation.</li><li>Sound knowledge of technical actuarial concepts or financial economics, would be beneficial.</li><li>Experience working within the financial or professional services industry.</li><li>Experience of working with cloud based or distributed computing.</li></ul>Company Benefits:<ul><li>A Competitive Salary, Pension Scheme and Life Assurance.</li><li>Along with 25 Days Annual Leave plus an Additional Day on us for your Birthday.</li><li>Private Medical Cover and Income Protection, just in case.</li><li>A generous and highly achievable bonus scheme – paid annually based on individual and company performance against targets.</li><li>Opportunity to progress within your career both in-role and within the company.</li><li>FREE access to the Headspace App, a 24/7 Employee Assistance Helpline and Trained Physical & Mental Health First Aiders (On-Site).</li><li>A variety of Employee Funded Benefits available to you via our Online Benefits Portal.</li><li>Plus, several additional purchase options available for you and your loved ones.</li></ul>Why Just?We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We’ve made good progress so far and encourage our people to make small and meaningful changes in their everyday lives, so that we can protect our planet for future generations.Diversity, Equity and inclusion (DE&I) is a key priority for Just as part of our overall strategy and ensuring all of our people

DB Systems Development Senior AnalystLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in / buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling goals, helping people achieve a better later life through competitive and innovative products, services, financial advice, and guidance.Purpose To support the company's ambitious growth plans, we are recruiting for a DB Systems Senior Analyst to join our DB (Defined Benefit) System Development team. This role supports Just’s DB Pricing platform through building, developing, and maintaining databases and models used for pricing calculations of defined benefit bulk annuities. Your contributions will enhance the scalability of our Pricing platform, supporting the DB team to provide reliable, comprehensive, and market-leading solutions to our clients.Responsibilities Include:<ul><li>Be a key member of the DB System Development team responsible for developing and maintaining our Pricing platform.</li><li>Continuously seek opportunities to improve and enhance the processes of the DB Core Pricing team.</li><li>Develop a deep technical knowledge of all systems, tools, and coding languages used in DB Systems Development.</li><li>Work closely with the DB Core Pricing team to gather requirements and specifications for model development, testing, and validation.</li><li>Ensure model developments are embedded effectively.</li><li>Collaborate with the DB Strategic Development team to ensure interoperability of the Pricing and Data platforms.</li><li>Work collaboratively with colleagues in Finance and Reporting, the DB Data and Transitions, and DB Operations teams.</li><li>Proactively work to promote a culture of collaboration and engagement across the DB Pricing & Reinsurance team.</li><li>Be curious, proactive, and open to new ideas.</li></ul>Qualifications, Skills & Experience:Essential:<ul><li>Familiarity with programming languages for financial modelling, e.g., Julia, Python, R, or VBA.</li><li>Enthusiasm and a keenness to learn and collaborate with the team.</li><li>Understanding of automated testing and continuous integration.</li><li>Experience of working with databases, e.g., SQL, Access would be advantageous.</li></ul>Desirable:<ul><li>2.1 or above in a technical/mathematical degree.</li><li>Coding experience in a workplace setting, e.g., Julia, Python, R, or VBA.</li><li>Sound knowledge of technical actuarial concepts or financial economics.</li><li>Good knowledge of UK Defined Benefit pension schemes and the DB buy in/buy out market.</li><li>Experience of working with cloud-based or distributed computing.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just, ensuring all of our people feel proud to work here. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Systems Development AnalystDate Posted: 03/09/2024Location: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in / buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling goals, helping people achieve a better later life through competitive and innovative products, services, financial advice, and guidance.Purpose To support the company's ambitious growth plans, we are recruiting a DB Systems Analyst to join our DB (Defined Benefit) System Development team. This role supports Just’s DB Pricing platform by building, developing, and maintaining databases and models used for pricing calculations of defined benefit bulk annuities. Your contributions will enhance the scalability of our Pricing platform, supporting the DB team to provide reliable, comprehensive, and market-leading solutions to our clients.Key Accountabilities:<ul><li>Contribute as a member of the DB System Development team responsible for developing and maintaining our Pricing platform.</li><li>Continuously seek opportunities to improve and enhance the processes of the DB Core Pricing team.</li><li>Develop a deep technical knowledge of all systems, tools, and coding languages used in DB Systems Development.</li><li>Work closely with the DB Core Pricing team to gather requirements and specifications for model development, testing, and validation.</li><li>Ensure model developments are embedded effectively.</li><li>Collaborate with the DB Strategic Development team to ensure interoperability of the Pricing and Data platforms.</li><li>Work collaboratively with colleagues in Finance and Reporting, the DB Data and Transitions, and DB Operations teams.</li><li>Work with key internal stakeholders to ensure delivery timescales are communicated effectively.</li><li>Promote a culture of collaboration and engagement across the DB Pricing & Reinsurance team.</li><li>Be curious, proactive, and open to new ideas, demonstrating a track record of adapting to change and embracing technology.</li></ul>Qualifications, Skills and ExperienceEssential:<ul><li>Enthusiasm and a keenness to learn and collaborate with the team and wider business.</li><li>Familiarity with programming languages for financial modelling, for example: Julia, Python, R, or VBA.</li></ul>Desirable:<ul><li>2.1 or above in a technical/mathematical degree.</li><li>Familiarity with databases, i.e. SQL, Access.</li><li>Understanding of automated testing and continuous integration.</li><li>Knowledge of UK Defined Benefit pension schemes and the DB buy in/buy out market.</li><li>Sound knowledge of technical actuarial concepts or financial economics.</li><li>Experience working within the financial or professional services industry.</li><li>Experience of working with cloud-based or distributed computing.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We have joined initiatives designed to improve outcomes for employees from underrepresented backgrounds and run a Reciprocal Mentoring scheme for employees from diverse backgrounds.At Just, we encourage a flexible and agile working environment for the majority of our opportunities.

DB Senior Actuarial AnalystLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. With the defined benefit buy in / buy out space growing each year, Just continues to grow its business by over £4bn of assets annually. We are a purpose-driven company with compelling and credible goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and certainty in retirement.Purpose: The purpose of this role is to undertake pricing and actuarial input required to support delivery of the DB Business Plan. This will include all aspects of BAU delivery and other ad hoc requirements.Job Role Accountabilities:<ul><li>Support DB Pricing Actuary in accurate and timely delivery of new business quotations.</li><li>Populate and run pricing models to calculate premiums, including manipulation of data, assumption setting, and calculation of all associated pricing metrics.</li><li>Check drafts of internal sign off documentation produced by DB Actuarial Analysts for each quotation, ensuring results are presented clearly, outlining all material areas of judgement and limitations.</li><li>Check initial drafts of quotation documents to be issued externally.</li><li>For quotes that are outsourced, work with DB Actuarial Analyst and DB Pricing Actuary to transition scheme to outsourcer and produce final deliverables for the quotation.</li><li>Proactively drive projects forward to ensure they are progressed in line with expected timescales.</li><li>Develop a deep knowledge of all systems and tools used in DB pricing.</li><li>Provide support in ad hoc tasks such as data analysis, proposition developments, systems testing, and process improvements.</li><li>Assist in development of junior team members.</li><li>Proactively work to promote a culture of collaboration and engagement within the DB Pricing team.</li></ul>Qualifications:Working towards FIA qualification and making good progress with the actuarial exams is desirable, but we are also interested in someone who has ceased working towards an actuarial qualification.Skills and Knowledge:<ul><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills, particularly Excel.</li><li>Good interpersonal and team working skills.</li><li>Excellent verbal and written communication skills, with the ability to present complex financial concepts clearly.</li><li>Ability to work without close supervision.</li><li>Sound knowledge of technical actuarial concepts, particularly principles underlying bulk annuity pricing.</li><li>Good knowledge and awareness of the DB buy in/buy out market, life insurance, and relevant regulation.</li></ul>Experience:Good experience of working within a pensions or investment consultancy, life insurer, or reinsurer. Coding experience is desirable, for example Julia, Python, and/or VBA.Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We encourage our people to make small and meaningful changes in their everyday lives to protect our planet for future generations.Diversity, Equity, and inclusion (DE&I) is a key priority for Just. We have joined initiatives designed to improve outcomes for employees from underrepresented backgrounds. We also run a Reciprocal Mentoring scheme for employees from diverse backgrounds. There are multiple employee network groups that champion issues including race, gender, social mobility, and neurodiversity.What’s clear about working at Just is that we care. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Reinsurance AnalystLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. With the defined benefit buy in / buy out space growing each year, Just continues to annually grow its business by over £4bn of assets. We are a purpose-driven company with compelling and credible goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and certainty in retirement.Purpose Develop Just’s reinsurance capabilities for the Defined Benefit (DB) business. Work across the DB team to analyse reinsurance pricing and implement reinsurance terms from multiple counterparties into the DB Pricing framework.Job Role Accountabilities<ul><li>Support delivery of key reinsurance development projects to enhance Just’s reinsurance capabilities.</li><li>Support the embedding of new reinsurance counterparties into BAU pricing.</li><li>Work closely with the DB Pricing leads to ensure reinsurance terms are appropriately allowed for in pricing metrics.</li><li>Support efficient execution of new reinsurance contracts.</li><li>Develop a deep technical and operational knowledge of all systems and tools used in DB.</li><li>Continuously look for areas to improve processes and efficiencies.</li><li>Prepare written reports for internal committees.</li><li>Carry out detailed pricing analyses to develop a deep understanding of different reinsurers’ bases.</li><li>Develop strong technical skills, including learning new coding languages.</li><li>Work collaboratively with colleagues in Finance and Reporting and the DB Data and Integration and DB Operations team.</li><li>Proactively promote a culture of collaboration and engagement within the DB Pricing team.</li></ul>Examples of Key Activities<ul><li>Analysing live pricing received from reinsurers and calculating relevant pricing metrics under various reinsurance scenarios.</li><li>Ensure reinsurance terms are accurately built into pricing models.</li><li>Presenting analysis to internal committees via written reports.</li><li>Prepare and present pricing feedback to reinsurers to strengthen relationships.</li><li>Support development of pricing database comparing pricing and terms received from multiple reinsurers.</li><li>Support the accurate and timely delivery of collateral calculations.</li><li>Check and review work carried out by other team members.</li></ul>Skills and Knowledge<ul><li>Problem analysis and resolution skills.</li><li>Strong numeracy skills.</li><li>Capable of working collaboratively.</li><li>Strong IT skills including Excel and programming languages.</li><li>Non-excel coding experience is desirable, for example Julia, Python, and/or VBA.</li><li>Excellent verbal, written communication, and interpersonal skills.</li><li>Basic knowledge of the DB de-risking market and pricing of bulk annuity liabilities.</li></ul>Experience<ul><li>Experience in an actuarial role, in the Life Insurance or DB pensions space.</li><li>Experience in bulk annuity pricing and/or reinsurance pricing is desirable.</li><li>Coding experience is desirable, for example Julia, Python, and/or VBA.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. Diversity, Equity, and inclusion (DE&I) is a key priority for Just. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Senior Actuarial AnalystLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. With the defined benefit buy in / buy out space growing each year, Just continues to grow its business by over £4bn of assets annually. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.PurposeTo support Just’s ambitious growth plans, we are recruiting a DB Senior Actuarial Analyst to join our DB (Defined Benefit) Pricing team. The role will involve supporting the DB team in their objectives to deliver a market leading bulk annuity service and grow in line with our business plan.About the role:<ul><li>You will be a key member of the DB Pricing team and deliver new business quotations in an accurate and timely manner.</li><li>Manage projects and project teams, proactively driving them forward to ensure they are progressed in line with expected timescales.</li><li>Develop a deep technical and operational knowledge of all systems and tools used in DB.</li><li>Continuously look for areas where we can improve, integrating technology into daily tasks and processes to drive innovation and efficiency.</li><li>Provide support in ad hoc tasks such as data analysis, proposition developments, systems testing, and process improvements.</li><li>Take the lead on these tasks and seek out opportunities to contribute to the wider DB team.</li><li>Be curious, proactive, and open to new ideas, demonstrating a track record of adapting to change and embracing technology.</li><li>Develop strong technical skills, for example by learning new coding languages, to support the development of models, tools, and processes in the team.</li><li>Proactively promote a culture of collaboration and engagement within the DB Pricing team, setting an example for junior team members and helping with coaching/training.</li><li>Work closely with our DB Reinsurance and Commercial teams to ensure effective delivery of competitive, market leading propositions.</li><li>Conduct line management responsibilities where necessary.</li></ul>Examples of Key Activities<ul><li>Contribute to the completion and checking of the pricing process, including manipulation of data, assumption setting, and calculation of pricing metrics.</li><li>Check drafts of internal sign off documentation for each quotation, ensuring results are presented clearly.</li><li>Check quotation documents to be issued externally, ensuring they are of a high standard.</li><li>Assist with development and refinement of pricing models and processes.</li></ul>Qualifications<ul><li>A technical/mathematical degree is desirable.</li><li>Many team members are working towards an FIA qualification, but we are keen to consider individuals who have ceased or are not working towards an actuarial qualification.</li></ul>Skills and Knowledge<ul><li>Strong numeracy skills.</li><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills including Excel and programming languages, with a keen attitude to learn.</li><li>Good interpersonal and team working skills.</li><li>Excellent verbal and written communication skills, with the ability to present complex financial concepts clearly.</li><li>Ability to work without close supervision.</li><li>Sound knowledge of technical actuarial concepts, particularly principles underlying bulk annuity pricing.</li><li>Good knowledge of the DB buy in/buy out market, life insurance, and relevant regulation.</li></ul>Experience<ul><li>Experience of working within a related field (pensions, insurance, finance) is desirable.</li><li>Coding experience is desirable, for example Julia, Python, and/or VBA.</li></ul>Why Just?We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just, ensuring all of our people feel proud to work here. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Reinsurance ActuaryLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. With the defined benefit buy in / buy out space growing each year, Just continues to grow its business by over £4bn of assets. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and certainty in retirement.Purpose Develop Just’s reinsurance capabilities for the DB business. Work across the DB team to analyse reinsurance pricing and implement reinsurance terms from multiple counterparties into the DB Pricing framework.Job Role Accountabilities<ul><li>Be a key member of the DB Reinsurance Development Team, leading key reinsurance development projects.</li><li>Support the embedding of new reinsurance counterparties into BAU pricing.</li><li>Work closely with the DB Pricing leads to ensure reinsurance terms are appropriately allowed for in pricing metrics.</li><li>Manage development projects, proactively driving them forward.</li><li>Develop a deep technical and operational knowledge of all systems and tools used in DB.</li><li>Continuously look for areas to improve and integrate technology into daily tasks.</li><li>Prepare and present written reports to relevant internal committees.</li><li>Carry out detailed pricing analyses to develop a deep understanding of different reinsurers’ bases.</li><li>Develop strong technical skills, including learning new coding languages.</li><li>Work collaboratively with colleagues in Finance and Reporting and the DB Data and Integration and DB Operations team.</li><li>Proactively improve processes and efficiencies within the DB Reinsurance Development team.</li><li>Promote a culture of collaboration and engagement within the DB team.</li><li>Be open to line management responsibility if required.</li></ul>Examples of Key Activities<ul><li>Analysing live pricing received from reinsurers and calculating relevant pricing metrics.</li><li>Ensuring reinsurance terms are accurately built into pricing models.</li><li>Analysing pricing and operational impact of new reinsurance terms.</li><li>Presenting analysis to internal committees via written reports.</li><li>Preparing and presenting pricing feedback to reinsurers.</li><li>Supporting cashflow reconciliation and mutual understanding of terms.</li><li>Negotiating contracts for new reinsurance deals.</li><li>Supporting the development of a pricing database comparing pricing and terms.</li><li>Ensuring accurate and timely delivery of collateral calculations.</li><li>Checking and reviewing work carried out by other team members.</li></ul>Skills and Knowledge<ul><li>Problem analysis and resolution skills.</li><li>Ability to work without close supervision.</li><li>Capable of working collaboratively and effectively.</li><li>Strong IT skills including Excel and programming languages.</li><li>Excellent verbal, written communication, and interpersonal skills.</li><li>High degree of understanding of the products and services provided by the Group.</li><li>Knowledge of the DB de-risking market and pricing of DB liabilities.</li><li>Experience in the Life Insurance industry, including reinsurance experience.</li><li>Coding experience is desirable, for example Julia, Python, and/or VBA.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and each other.

DB Reinsurance AnalystLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in / buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.Purpose Develop Just’s reinsurance capabilities for the Defined Benefit (DB) business. Work across the DB team to analyse reinsurance pricing and implement reinsurance terms from multiple counterparties into the DB Pricing framework.Job Role Accountabilities<ul><li>Support delivery of key reinsurance development projects.</li><li>Embed new reinsurance counterparties into BAU pricing.</li><li>Work closely with the DB Pricing leads to ensure reinsurance terms are appropriately allowed for in pricing metrics.</li><li>Support efficient execution of new reinsurance contracts.</li><li>Develop a deep technical and operational knowledge of all systems and tools used in DB.</li><li>Continuously look for areas to improve processes and efficiencies.</li><li>Prepare written reports for internal committees.</li><li>Carry out detailed pricing analyses to understand different reinsurers’ bases.</li><li>Develop strong technical skills, including learning new coding languages.</li><li>Collaborate with colleagues in Finance, Reporting, and DB Operations.</li><li>Promote a culture of collaboration and engagement within the DB Pricing team.</li></ul>Examples of Key Activities<ul><li>Analyse live pricing from reinsurers and calculate relevant pricing metrics.</li><li>Ensure reinsurance terms are accurately built into pricing models.</li><li>Present analysis to internal committees to support approval of new counterparties.</li><li>Prepare and present pricing feedback to reinsurers.</li><li>Support cashflow reconciliation with reinsurers.</li><li>Assist in contract negotiations for new reinsurance deals.</li><li>Support the development of a pricing database comparing terms from multiple reinsurers.</li><li>Check and review work carried out by other team members.</li></ul>Skills and Knowledge<ul><li>Problem analysis and resolution skills.</li><li>Strong numeracy skills.</li><li>Capable of working collaboratively.</li><li>Strong IT skills including Excel and programming languages.</li><li>Non-excel coding experience is desirable (e.g., Julia, Python, VBA).</li><li>Excellent verbal, written communication, and interpersonal skills.</li><li>Basic knowledge of the DB de-risking market and pricing of bulk annuity liabilities.</li></ul>Experience<ul><li>Experience in an actuarial role in the Life Insurance or DB pensions space.</li><li>Experience in bulk annuity pricing and/or reinsurance pricing is desirable.</li><li>Coding experience is desirable (e.g., Julia, Python, VBA).</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and each other.Apply Now

DB Reinsurance ActuaryLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. With the defined benefit buy in / buy out space growing each year, Just continues to grow its business by over £4bn of assets. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.Purpose Develop Just’s reinsurance capabilities for the DB business. Work across the DB team to analyse reinsurance pricing and implement reinsurance terms from multiple counterparties into the DB Pricing framework.Job Role Accountabilities<ul><li>Be a key member of the DB Reinsurance Development Team, leading key reinsurance development projects.</li><li>Support the embedding of new reinsurance counterparties into BAU pricing.</li><li>Work closely with the DB Pricing leads to ensure reinsurance terms are appropriately allowed for in pricing metrics.</li><li>Manage development projects, proactively driving them forward.</li><li>Develop a deep technical and operational knowledge of all systems and tools used in DB.</li><li>Continuously look for areas to improve and integrate technology into daily tasks.</li><li>Prepare and present written reports to relevant internal committees.</li><li>Carry out detailed pricing analyses to understand different reinsurers’ bases.</li><li>Develop strong technical skills, including learning new coding languages.</li><li>Work collaboratively with colleagues in Finance, Reporting, and DB Operations.</li><li>Proactively improve processes and efficiencies within the DB Reinsurance Development team.</li><li>Promote a culture of collaboration and engagement within the DB team.</li><li>Be open to line management responsibility if required.</li></ul>Examples of Key Activities<ul><li>Analysing live pricing received from reinsurers and calculating relevant pricing metrics.</li><li>Ensuring reinsurance terms are accurately built into pricing models.</li><li>Analysing pricing and operational impact of new reinsurance terms.</li><li>Presenting analysis to internal committees via written reports.</li><li>Preparing and presenting pricing feedback to reinsurers.</li><li>Supporting cashflow reconciliation and mutual understanding of terms.</li><li>Negotiating contracts for new reinsurance deals.</li><li>Supporting the development of a pricing database comparing terms from multiple reinsurers.</li><li>Ensuring accurate and timely delivery of collateral calculations.</li><li>Checking and reviewing work carried out by other team members.</li></ul>Skills and Knowledge<ul><li>Problem analysis and resolution skills.</li><li>Ability to work without close supervision.</li><li>Capable of working collaboratively and effectively.</li><li>Strong IT skills including Excel and programming languages.</li><li>Excellent verbal, written communication, and interpersonal skills.</li><li>High degree of understanding of the products and services provided by the Group.</li><li>Knowledge of the DB de-risking market and pricing of DB liabilities.</li><li>Understanding of Solvency II capital requirements and reinsurance arrangements.</li></ul>Experience<ul><li>Experience in the Life Insurance industry, including reinsurance experience.</li><li>Experience in the bulk annuity market.</li><li>Defined benefit experience is desirable.</li><li>Coding experience is desirable, for example Julia, Python, and/or VBA.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and each other.

DB Systems Development Senior AnalystLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, and with the defined benefit buy in / buy out space growing each year, Just continues to grow its business by over £4bn of assets annually.We are a purpose-driven company with compelling goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.Purpose: To support the company's ambitious growth plans, we are recruiting for a DB Systems Senior Analyst to join our DB (Defined Benefit) System Development team. This role supports Just’s DB Pricing platform through building, developing, and maintaining databases and models used for pricing calculations of defined benefit bulk annuities.Your contributions will enhance the scalability of our Pricing platform, supporting the DB team to provide reliable, comprehensive, and market-leading solutions to our clients.Responsibilities Include:<ul><li>Be a key member of the DB System Development team responsible for developing and maintaining our Pricing platform.</li><li>Continuously seek opportunities to improve and enhance the processes of the DB Core Pricing team.</li><li>Develop a deep technical knowledge of all systems, tools, and coding languages used in DB Systems Development.</li><li>Work closely with the DB Core Pricing team to gather requirements and specifications for model development, testing, and validation.</li><li>Ensure model developments are embedded effectively.</li><li>Collaborate with the DB Strategic Development team to ensure interoperability of the Pricing and Data platforms.</li><li>Work collaboratively with colleagues in Finance and Reporting, the DB Data and Transitions, and DB Operations teams.</li><li>Proactively work to promote a culture of collaboration and engagement across the DB Pricing & Reinsurance team.</li><li>Be curious, proactive, and open to new ideas.</li></ul>Qualifications, Skills & Experience:Essential:<ul><li>Familiarity with programming languages for financial modelling, e.g., Julia, Python, R, or VBA.</li><li>Enthusiasm and a keenness to learn and collaborate with the team.</li><li>Understanding of automated testing and continuous integration.</li><li>Experience of working with databases, e.g., SQL, Access would be advantageous.</li></ul>Desirable:<ul><li>2.1 or above in a technical/mathematical degree.</li><li>Coding experience in a workplace setting, e.g., Julia, Python, R, or VBA.</li><li>Sound knowledge of technical actuarial concepts or financial economics.</li><li>Good knowledge of UK Defined Benefit pension schemes and the DB buy in/buy out market.</li><li>Experience of working with cloud-based or distributed computing.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025.Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We have joined initiatives designed to improve outcomes for employees from underrepresented backgrounds and run a Reciprocal Mentoring scheme for employees from diverse backgrounds.What’s clear about working at Just is that we care. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Systems Development AnalystLocation: LondonJob Type: Full timeWho are Just? We’re a FTSE 250 Financial Services company who specialise in retirement solutions. Our world is moving quickly, with the defined benefit buy in/buy out space growing each year. Just continues to grow its business by over £4bn of assets annually. We help people achieve a better later life by providing competitive and innovative products, services, financial advice, and guidance to help our customers achieve security and peace of mind in retirement.Purpose To support the company's ambitious growth plans, we are recruiting a DB Systems Analyst to join our DB (Defined Benefit) System Development team. This role supports Just’s DB Pricing platform through building, developing, and maintaining databases and models used for pricing calculations of defined benefit bulk annuities. Your contributions will enhance the scalability of our Pricing platform, supporting the DB team to provide reliable and comprehensive solutions to our clients.Key Accountabilities:<ul><li>Contribute as a member of the DB System Development team responsible for developing and maintaining our Pricing platform.</li><li>Continuously seek opportunities to improve and enhance the processes of the DB Core Pricing team.</li><li>Develop a deep technical knowledge of all systems, tools, and coding languages used in DB Systems Development.</li><li>Work closely with the DB Core Pricing team to gather requirements and specifications for model development, testing, and validation.</li><li>Ensure model developments are embedded effectively.</li><li>Collaborate with the DB Strategic Development team to ensure interoperability of the Pricing and Data platforms.</li><li>Collaborate with the DB Pricing and Proposition Development teams to support new or enhanced propositions.</li><li>Work collaboratively with colleagues in Finance and Reporting, the DB Data and Transitions, and DB Operations teams.</li><li>Work with key internal stakeholders to ensure delivery timescales are communicated effectively.</li><li>Promote a culture of collaboration and engagement across the DB Pricing & Reinsurance team.</li><li>Be curious, proactive, and open to new ideas, demonstrating a track record of adapting to change and embracing technology.</li></ul>Qualifications, Skills and ExperienceEssential:<ul><li>Enthusiasm and a keenness to learn and collaborate with the team.</li><li>Familiarity with programming languages for financial modelling, such as Julia, Python, R, or VBA.</li></ul>Desirable:<ul><li>2.1 or above in a technical/mathematical degree.</li><li>Familiarity with databases, e.g., SQL, Access.</li><li>Understanding of automated testing and continuous integration.</li><li>Knowledge of UK Defined Benefit pension schemes and the DB buy in/buy out market.</li><li>Sound knowledge of technical actuarial concepts or financial economics.</li><li>Experience working within the financial or professional services industry.</li><li>Experience of working with cloud-based or distributed computing.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We have joined initiatives designed to improve outcomes for employees from underrepresented backgrounds and run a Reciprocal Mentoring scheme for employees from diverse backgrounds.At Just, we encourage a flexible and agile working environment for the majority of our opportunities.

DB Senior Actuarial AnalystLocation: LondonJob Type: Full timeWho are Just?We’re a FTSE 250 Financial Services company who specialize in retirement solutions. Just continues to grow its business annually by over £4bn of assets. We help people achieve a better later life by providing competitive products, services, financial advice, and guidance for retirement.Purpose:The purpose of this role is to undertake pricing and actuarial input required to support delivery of the DB Business Plan.Job Role Accountabilities:<ul><li>Support DB Pricing Actuary in accurate and timely delivery of new business quotations.</li><li>Populate and run pricing models to calculate premiums.</li><li>Check drafts of internal sign off documentation produced by DB Actuarial Analysts.</li><li>Proactively drive projects forward to ensure they are progressed in line with expected timescales.</li><li>Develop a deep knowledge of all systems and tools used in DB pricing.</li><li>Provide support in ad hoc tasks such as data analysis, proposition developments, systems testing, and process improvements.</li><li>Assist in development of junior team members.</li><li>Proactively work to promote a culture of collaboration and engagement within the DB Pricing team.</li></ul>Qualifications:Working towards FIA qualification and making good progress with the actuarial exams is desirable.Skills and Knowledge:<ul><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills, particularly Excel.</li><li>Good interpersonal and team working skills.</li><li>Excellent verbal and written communication skills.</li><li>Ability to work without close supervision.</li><li>Sound knowledge of technical actuarial concepts.</li><li>Good knowledge and awareness of the DB buy in/buy out market, life insurance, and relevant regulation.</li></ul>Experience:Good experience of working within a pensions or investment consultancy, life insurer, or reinsurer.Coding experience is desirable, for example Julia, Python, and/or VBA.Why Just?We are committed to building a more sustainable business and have publicly committed to reduce our emissions. Diversity, Equity, and Inclusion (DE&I) is a key priority for Just. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and most importantly - each other.

DB Senior Actuarial AnalystLocation: LondonJob Type: Full timePurpose: The purpose of this role is to undertake pricing and actuarial input required to support delivery of the DB Business Plan. This will include all aspects of BAU delivery and other ad hoc requirements.Job Role Accountabilities:<ul><li>Support DB Pricing Actuary in accurate and timely delivery of new business quotations.</li><li>Populate and run pricing models to calculate premiums, including manipulation of data, assumption setting and calculation of all associated pricing metrics.</li><li>Check drafts of internal sign off documentation produced by DB Actuarial Analysts for each quotation, ensuring results are presented to the DB Pricing Actuary in a clear manner, outlining all material areas of judgement and limitations.</li><li>Check initial drafts of quotation documents to be issued externally.</li><li>For quotes that are outsourced, work with DB Actuarial Analyst and DB Pricing Actuary to transition scheme to outsourcer and produce final deliverables for the quotation.</li><li>Proactively drive projects forward to ensure they are progressed in line with expected timescales.</li><li>Develop a deep knowledge of all systems and tools used in DB pricing.</li><li>Provide support in ad hoc tasks such as data analysis, proposition developments, systems testing and process improvements.</li><li>Assist in development of junior team members.</li><li>Proactively work to promote a culture of collaboration and engagement within the DB Pricing team.</li></ul>Qualifications: Working towards FIA qualification and making good progress with the actuarial exams is desirable, but we are also interested in someone who has ceased working towards an actuarial qualification.Skills and Knowledge:<ul><li>Strong analytical and problem solving skills</li><li>Strong IT skills, particularly Excel</li><li>Good interpersonal and team working skills</li><li>Excellent verbal and written communication skills, with the ability to present complex financial concepts in a clear and concise manner</li><li>Ability to work without close supervision</li><li>Sound knowledge of technical actuarial concepts, particularly principles underlying bulk annuity pricing</li><li>Good knowledge and awareness of the DB buy in/buy out market, life insurance and relevant regulation.</li></ul>Experience:<ul><li>Good experience of working within a pensions or investment consultancy, life insurer or reinsurer.</li><li>Coding experience is desirable, for example Julia, Python and/or VBA.</li></ul>Why Just? We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We’ve made good progress so far and encourage our people to make small and meaningful changes in their everyday lives, so that we can protect our planet for future generations.Diversity, Equity and Inclusion (DE&I) is a key priority for Just as part of our overall strategy and ensuring all of our people feel proud to work at Just. We have joined a number of initiatives including the Race at Work Charter, designed to improve outcomes for employees from underrepresented backgrounds. We also run a Reciprocal Mentoring scheme for employees from a BAME background, those with a disability and those who identify as LGBTQ+. There are multiple employee network groups, which champion issues including race, gender, social mobility and neurodiversity. What’s clear about working at Just is that we care. We care about our customers, our purpose, our environment, inclusivity, wellbeing and most importantly - each other.

Who are Just?We’re a FTSE 250 Financial Services company who specialize in retirement solutions. Just continues to grow its business annually by over £4bn of assets. We help people achieve a better later life by providing competitive products, services, financial advice, and guidance for retirement security and peace of mind.PurposeThe purpose of this role is to undertake pricing and actuarial input required to support the DB Business Plan, including BAU delivery and ad hoc requirements.Job Role Accountabilities<ul><li>Support DB Pricing Actuary in accurate and timely delivery of new business quotations.</li><li>Populate and run pricing models to calculate premiums.</li><li>Check drafts of internal sign off documentation for each quotation.</li><li>Check initial drafts of quotation documents to be issued externally.</li><li>Proactively drive projects forward to ensure expected timescales.</li><li>Develop a deep knowledge of all systems and tools used in DB pricing.</li><li>Provide support in ad hoc tasks such as data analysis, proposition developments, and process improvements.</li><li>Assist in the development of junior team members.</li><li>Promote a culture of collaboration and engagement within the DB Pricing team.</li></ul>QualificationsWorking towards FIA qualification and making good progress with actuarial exams is desirable.Skills and Knowledge<ul><li>Strong analytical and problem-solving skills.</li><li>Strong IT skills, particularly Excel.</li><li>Good interpersonal and team working skills.</li><li>Excellent verbal and written communication skills.</li><li>Ability to present complex financial concepts clearly.</li><li>Sound knowledge of technical actuarial concepts.</li><li>Good knowledge of the DB buy in/buy out market, life insurance, and relevant regulation.</li></ul>ExperienceGood experience of working within a pensions or investment consultancy, life insurer, or reinsurer. Coding experience is desirable.Why Just?We are committed to building a more sustainable business and reducing emissions. Diversity, Equity, and Inclusion (DE&I) is a key priority. We care about our customers, our purpose, our environment, inclusivity, wellbeing, and each other.

<ul><li>Fulltime (35 hours per week)</li><li>Hybrid, 2/3 days in the office (London)</li></ul>About JustWe’re a FTSE 250 Financial Services company who specialise in retirement solutions. With the defined benefit buy in / buy out space growing each year, Just continues to annually grow its business by over £2bn of assets.We are a purpose driven company with compelling and credible goals. We help people achieve a better later life by providing competitive and innovative products, services, financial advice and guidance to help our customers achieve security, certainty and peace of mind in retirement.About the role:To support the company's ambitious growth plans, we are recruiting for a DB Senior Reinsurance Analyst to join our Reinsurance Team. The purpose of this role is to provide pricing analysis and actuarial input to support the DB Reinsurance Development team in delivering Just’s DB reinsurance strategy.Key Accountabilities:<ul><li>Support the embedding of new reinsurance counterparties into BAU pricing</li><li>Support DB pricing model developments to enable efficient and accurate pricing of multiple reinsurance bases</li><li>Carry out detailed pricing analyses to develop deep understanding different reinsurers’ bases, including strengths and weaknesses</li><li>Prepare and present pricing feedback to reinsurers to strengthen relationships and help improve reinsurer pricing</li><li>Work closely with the Core Pricing Leads and Pricing Development leads to ensure consistency in the metrics including reinsurance, such that pricing across reinsurers can be easily compared</li><li>Work collaboratively with colleagues in Finance and Reporting and the DB Data and Transitions and Operations team to ensure that commercial changes flow through effectively to the wider DB ecosystem - such that operational changes are communicated and made when necessary and in a timely fashion</li><li>Proactively look to improve processes and efficiencies within the DB Reinsurance Development team</li><li>Work with key internal stakeholders to ensure</li><li>Proactively work to promote a culture of collaboration and engagement within the DB Pricing team</li></ul>About You:<ul><li>Minimum of 3 years of experience of working within a pensions or investment consultancy, life insurer or reinsurer.</li><li>Prior experience of reinsurance pricing</li><li>Coding experience, for example Julia, Python and/or VBA.</li><li>Sound knowledge of technical actuarial concepts, particularly principles underlying bulk annuity pricing</li><li>Good knowledge and awareness of the DB buy in/buy out market, life insurance and relevant regulation.</li></ul>Company Benefits:<ul><li>A Competitive Salary, Pension Scheme and Life Assurance</li><li>25 Days Annual Leave plus an Additional Day on us for your Birthday</li><li>Private Medical Cover and Income Protection</li><li>A generous and highly achievable bonus scheme – paid annually based on individual and company performance against targets</li><li>Opportunity to progress within your career both in-role and within the company</li><li>FREE access to the Headspace App, a 24/7 Employee Assistance Helpline and Trained Physical &amp; Mental Health First Aiders (On-Site)</li><li>A variety of Employee Funded Benefits available to you via our Online Benefits Portal</li><li>Plus, several additional purchase options available for you and your loved ones</li></ul>Why Just?We are committed to building a more sustainable business and have publicly committed to reduce our scope 3 emissions to Net Zero by 2050 and our scope 1 and 2 emissions to Net Zero by 2025. We’ve made good progress so far and encourage our people to make small and meaningful changes in their everyday lives, so that we can protect our planet for future generations.Diversity, Equity and inclusion (DE&amp;I) is a key priority for Just as part of our overall strategy and ensuring all of our people feel proud to work at Just. We have joined a number of initiatives including the Race at Work Charter, designed to improve outcomes for employees from underrepresented backgrounds. We also run a Reciprocal Mentoring scheme for employees from a BAME background, those with a disability and those who identify as LGBTQ&#43;. There are multiple employee network groups, which champion issues including race, gender, social mobility and neurodiversity.What’s clear about working at Just is that we care. We care about our customers, our purpose, our environment, inclusivity, wellbeing and most importantly - each other.

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