Portfolio Lead Manager – 29127

The Emerald Group; Greater London; Hybrid; GBP 70,000 - 95,000; Full time

Job summary

The Emerald Group in London is seeking a portfolio performance specialist to own end-to-end loss ratio analysis and explain drivers by accident year, underwriting year, cohort and month. This role is based in London with hybrid working.

You will design interventions using pricing, product and underwriting levers to improve results, deploy new risk models, and build MI dashboards to guide timely decisions. Strong SQL and R skills, plus ML/GLMs experience, are required to forecast loss ratio

Qualifications

• 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.

Responsibilities

• 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.

Skills

Portfolio performance

Loss ratio analysis

MI & dashboards

Forecasting

Model deployment

Pricing models

Machine learning

Change management

Tools

SQL

R

Job description

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