Own overall portfolio performance to deliver the contractual loss ratio target agreed with their underwriting capacity partner
- Location: London/ Hybrid working
- Type: Permanent
Key Duties (Including but not limited to):
- Take end-to-end ownership of portfolio performance; monitor and explain loss ratio drivers by accident year, underwriting year, cohort and month
- Design, prioritise and implement interventions using pricing, product and underwriting levers to improve results
- Lead deployment of new risk models into live; assess pre/post impact and ensure robust change control and documentation
- Build and maintain clear MI and dashboards (e.g. AP/TP ratio, risk mix index, actuals vs estimates) to support timely decisions
- Strong grasp of portfolio performance measurement: AP/TP ratio, risk mix index, actuals vs estimates, loss ratio by time period and segment
- Proficient in SQL and R; comfortable working in proprietary systems and “in the engine room”
- Good understanding (ideally hands-on) of pricing model techniques, including GLMs and machine learning, and how to operationalise models in live
- Experience forecasting loss ratio performance and steering a portfolio via actionable plans
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