Lead Portfolio Analyst, Underwriting Analytics | InsurTech | Up to £105k + bonus

Skillful; Slough; Hybrid; GBP 80,000 - 105,000; Full time

Benefits offered by this job

Discretionary bonus

Work from anywhere days

Private medical cover

Pension matching up to 7.5%

Holiday allowance 25→30 days + 2_my时间

WFH setup budget

EV scheme + cycle to work

Parental leave

Learning budget

Job summary

Skillful in London or Hampshire (2 days in-office) is seeking a Lead Portfolio Analyst to join the underwriting team, building and refining the analytical logic that helps underwriters make better decisions on coverage, rates, and portfolio footprint for live policies.

You will perform 70% heads-down analysis and 30% leading projects, exploring new data sources and ensuring models are deployed to production. Hybrid work available with strong growth opportunities.

Qualifications

• Breadth across underwriting analytics, pricing and data science.
• Ability to build and deploy models that shape real decisions.
• Ability to explain complex findings clearly to senior stakeholders.
• Think rigorously about risk and measurement of portfolio behavior.

Responsibilities

• Analyze portfolio performance and adjust coverage, rates or footprint.
• Build fraud-detection models and identify new risk signals at quotes.
• Collaborate with underwriters to improve risk assessment and selection.
• Explore non-traditional data sources to sharpen underwriting decisions.
• Develop and productionize models that influence live underwriting decisions.
• Mentor junior analysts and develop their technical skills.

Skills

Underwriting analytics

Pricing

Data science

Python

SQL

R

GBMs

Fraud analytics

Data enrichment

Tools

Python

R

SQL

BigQuery

Azure

Job description

Lead Portfolio Analyst

London or Hampshire (2 days a week in-office)

£80k - £105k + 10% bonus

Who are they?

A well-backed InsurTech leading the UK short-term motor insurance market, one hour to one month cover, at serious volume. They feel like a start-up in the best sense, small team, real ownership, people who care about doing good work. Collaborative but autonomous, they hire people who take ownership and get things done.

What's the role?

You'll sit in the underwriting team, working closely with the underwriting manager and Chief Underwriting Officer, building and refining the analytical logic that helps their panel of underwriters make better decisions on coverage, rates, and portfolio footprint. Around 70% heads-down individual contribution, 30% leading projects and developing junior analysts.

On any given week you might be:

• Analysing portfolio performance and identifying where coverage, rates or footprint need adjusting
• Building fraud detection models and identifying new risk signals at point of quote
• Working with the panel of underwriters to improve how they assess and select risk
• Exploring non-traditional data sources to sharpen underwriting decisions
• Getting models into production so they're shaping live underwriting decisions every day
• Helping junior analysts develop their thinking and technical skills

It's a role where your work ends up in the product, driving real underwriting decisions on live policies every day.

Who are they looking for?

This is a rare role and they know it. They're looking for someone who brings genuine breadth across underwriting analytics, pricing, and data science, someone who understands how insurance portfolios actually behave and can work credibly with underwriters, not just alongside them.

Your background might span underwriting analytics, actuarial work, pricing, or a mix of all three. What matters is that you think rigorously about risk, can build and deploy models that shape real decisions, and can explain complex findings clearly to senior stakeholders.

On the technical side, Python or R, SQL, and experience with modelling techniques like GBMs are important. Fraud analytics experience is a plus, as is data enrichment, though fresh thinking on both counts matters just as much as direct experience. Cloud data warehouse experience such as BigQuery or Azure is useful but not essential.

And the good stuff!

• 10% discretionary bonus + annual pay reviews
• Up to 22 "work from anywhere" days per year
• Private medical cover + critical illness insurance
• Employer pension matching up to 7.5%
• 25 days holiday, rising to 30 with tenure, plus 2 "my time" days
• £300 one-off WFH setup budget
• EV scheme + cycle to work
• Market-leading parental leave across all types
• Dedicated learning and training budget