Senior Pricing Scientist | AI-Driven Insurance Pricing

Guardian Financial Services; Reading; On-site; GBP 65,000 - 90,000; Full time

Job summary

Guardian Financial Services in Reading seeks a senior pricing professional to shape pricing decisions and performance across the UK protection portfolio.

Reporting to the Head of Pricing & Reinsurance, you will combine pricing expertise, advanced analytics, and AI-enabled automation to deliver actionable insights, optimise pricing outcomes, improve profitability and customer value, and strengthen Guardian's competitive position in the UK protection market.

Qualifications

• Significant experience in pricing, data science, actuarial, analytics or a similar commercially focused role within insurance or financial services.
• Strong pricing and analytical expertise, ideally within the UK protection or life insurance market.
• Advanced modelling and programming capability, including experience with R, Python, SQL, machine learning and predictive analytics.
• Proven ability to translate complex analytical insights into commercial recommendations and pricing decisions.
• Experience developing pricing, risk, propensity or optimisation models and working with large, complex datasets.
• Strong stakeholder management and communication skills, with experience influencing senior decision-makers.
• Degree-qualified in a quantitative discipline; actuarial qualification or equivalent professional experience would be advantageous.

Responsibilities

• Lead the development and optimisation of pricing across Guardian's product portfolio.
• Own the end-to-end repricing process, balancing competitiveness, customer outcomes and profitable growth.
• Maintain and enhance pricing methodologies, assumptions and segmentation frameworks.
• Provide pricing recommendations that support commercial objectives and strategic priorities.
• Lead the development of pricing data science capability within the Pricing & Reinsurance team.
• Own and develop Guardian's pricing models, ensuring they remain robust, controlled and fit for purpose.
• Apply advanced analytics, machine learning and predictive modelling to improve pricing performance.
• Use internal and external data to identify pricing opportunities, improve segmentation and support growth.
• Monitor portfolio and pricing performance, identifying trends, risks and opportunities.
• Develop insight into customer behaviour, price elasticity and market dynamics to inform pricing decisions.
• Design and maintain monitoring frameworks to track performance against expectations.
• Translate complex analysis into clear commercial recommendations for senior stakeholders.
• Drive the automation of pricing analysis, monitoring and reporting processes.
• Lead the adoption of AI-enabled pricing capabilities and support the Pricing Transformation programme.
• Identify new data sources, modelling techniques and automation opportunities to enhance pricing sophistication.
• Partner with Data and Technology teams to build scalable pricing capabilities.
• Collaborate with Distribution, Proposition, Operations, Data and Technology teams to deliver pricing outcomes.
• Ensure compliance with actuarial standards, Consumer Duty requirements and internal governance frameworks.
• Maintain robust controls, documentation and oversight of pricing models, AI outputs and decision-making processes.

Skills

Pricing expertise

Data science

Actuarial

Analytics

Machine learning

Python

R

SQL

Stakeholder management

Education

Quantitative degree

Tools

R

Python

SQL

Job description

Guardian Financial Services in Reading seeks a senior pricing professional to shape pricing decisions and performance across the UK protection portfolio.

Reporting to the Head of Pricing & Reinsurance, you will combine pricing expertise, advanced analytics, and AI-enabled automation to deliver actionable insights, optimise pricing outcomes, improve profitability and customer value, and strengthen Guardian's competitive position in the UK protection market.