Lead Portfolio Analyst

Overview

In this Lead Portfolio Analyst role, you will combine underwriting expertise with data science to shape automated underwriting strategies for high-volume UK motor insurance. You will work with cross-functional teams to optimize risk selection, pricing and portfolio growth while ensuring FCA-compliant practices. You will monitor performance in near real time, identify emerging risks and translate insights into scalable decision engines. This hands-on leadership role also includes mentoring junior analysts and driving product development through analytics-driven insight.

Responsibilities

• Develop and optimise underwriting strategies for high-volume UK motor insurance
• Drive profitable growth through portfolio expansion, rate optimisation and risk management
• Leverage advanced modelling, data enrichment and alternative data sources for risk selection and fraud detection
• Monitor portfolio KPIs and performance in near real time, flagging risks and recommending actions
• Support product development across existing and new opportunities
• Ensure underwriting practices comply with UK regulations including FCA guidelines
• Collaborate with Engineering and Product teams to operationalise models into scalable decision engines
• Line-manage and mentor junior analysts to support technical development and project delivery

Key requirements

• Experience in the UK General Insurance market, especially high-frequency motor underwriting analytics
• Proven track record in developing, implementing and optimising profitable underwriting strategies
• Expert-level SQL skills and advanced proficiency in Python or R for modelling and analysis

• leadership and people management
• collaboration across cross-functional teams
• strong communication and stakeholder management
• SQL
• Python or R
• advanced modelling

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