Senior Capital Analyst / Data Scientist
We offer a hybrid approach, with home working alongside time in our Windsor or London offices for team collaboration.
Responsibilities
* Capital model development & use‑case expansion
o Enhance and evolve the capital model.
o Proactively identify new business use cases for capital outputs and embed them across the organisation.
o Bring stakeholders with you, improving decision quality and model adoption.
* Automation & trusted workflows
o Streamline and automate core processes — data ingestion, validation, run logging, results storage.
o Ensure outputs are reliable, reproducible, and ready for decision‑making at pace.
* Underwriting performance & actionable insight
o Monitor underwriting performance and emerging trends (profitability, loss ratio drivers, etc.).
o Drive recommendations that influence pricing and underwriting decisions.
o Prioritise early trend detection over retrospective explanation.
* Best‑in‑class dashboards & visualisation
o Build and own clear, interactive dashboards and “what‑if” tools.
o Make capital and underwriting insights easy to explore and hard to misinterpret using tools such as Plotly, Streamlit, or similar.
* Competitor & market intelligence (AI + analytics)
o Develop repeatable, AI‑powered monitoring of competitor propositions, service levels, and customer sentiment.
o Deliver concise “what changed / so what / now what” updates that inform commercial and underwriting strategy.
Qualifications
* Experience in capital modelling (ideally within insurance), with the ability to translate outputs into business decisions.
* Strong understanding of underwriting and portfolio performance, including how to investigate trends and recommend actions.
* Advanced Python capability (pandas, automation mindset) with experience building tools and workflows.
* Strong data visualisation skills, with a focus on clarity, usability, and impact.
* Ability to influence and communicate with senior stakeholders, confidently presenting insights and recommendations.
* A proactive mindset — someone who can spot opportunities, not just problems.
* Bonus: experience SQL (SQLite/Postgres).
* Bonus: experience using LLMs / AI workflows with appropriate controls and evaluation.
* Bonus: exposure to competitor intelligence or market analysis.
Why this role is a good fit
This role is ideal for you if you’re looking to move beyond a purely technical or regulatory actuarial seat and into a position where your work genuinely influences business decisions.
You’ll have the opportunity to combine capital modelling with data science, automation, and commercial insight, giving you a far broader skillset than a traditional role.
We expect a proactive challenger who can influence decisions and bring clarity to complex data, rather than simply produce outputs.
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