Senior Pricing Scientist & AI-Driven Optimizer

Guardian1821; Reading; On-site; GBP 90,000 - 115,000; Full time

Job summary

Guardian is seeking a Pricing, Analytics and Data Science leader to shape pricing strategy and profitability across the UK protection portfolio. You will develop pricing models, apply ML techniques, and deliver commercial insights to stakeholders from Reading to market scale.

Reporting to the Head of Pricing & Reinsurance, you will drive pricing transformation, maintain governance, and collaborate with Data and Technology to build scalable capabilities that improve customer value.

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.
• Track record of delivering analytical solutions, automation or transformation initiatives that improve business outcomes.
• Degree-qualified in a quantitative discipline (e.g. Data Science, Statistics, Mathematics, Actuarial Science, Economics or Computer Science); 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

Data science

Actuarial

Analytics

Stakeholder management

Education

Bachelor's degree in a quantitative field

Tools

R

Python

SQL

Machine learning

Job description

Guardian is seeking a Pricing, Analytics and Data Science leader to shape pricing strategy and profitability across the UK protection portfolio. You will develop pricing models, apply ML techniques, and deliver commercial insights to stakeholders from Reading to market scale.

Reporting to the Head of Pricing & Reinsurance, you will drive pricing transformation, maintain governance, and collaborate with Data and Technology to build scalable capabilities that improve customer value.