This job was published 3 months ago
Senior Pricing Data Scientist
This job was originally posted in Spanish and automatically translated to English. You'll most likely need Spanish to apply.
Job Description
At Sabadell Zurich, you will be part of the Pricing and Analytics team with the goal of optimizing the pricing strategy through advanced modeling and technical analysis that directly impacts profitability and retention. You will lead the development, recalibration, and validation of frequency and severity GLM models and other models for the main general insurance lines, using WTW Radar / Emblem / Python.
Your contribution will be key to carrying out the complete modeling cycle: from data exploration and preparation to the presentation and technical defense of results to the manager and, when necessary, to management, always working in a collaborative, diverse, and business-oriented environment.
Additionally, you will participate in advanced analytics initiatives related to:
- Evolution of drop-offs, renewals, conversion, and loss ratios.
- Renewal optimization and retention analysis.
- Replication and pricing control in Radar.
- Ad-hoc studies to support Product and technical management decisions.
Furthermore, you will collaborate closely with the Product and Claims teams to ensure that models and rates reflect technical trends and business needs. Although final implementation is managed by another area, you will play a key role in ensuring consistency between the technical and operational models.
What do we need from you?
We are looking for a person with proven experience in general insurance pricing, capable of working autonomously in the short term and contributing their own technical judgment.
To be successful, you will need:
Essential Experience and Knowledge
- Degree in Actuarial Science, Mathematics, Statistics, Physics, or equivalent.
- Minimum of 5 years of experience in similar positions.
- Intermediate level of English (B2)
- Practical mastery of tools for modeling and pricing control.
- Solid knowledge of frequency and severity GLMs, distributions (Poisson, Gamma, Tweedie), testing, and validation.
- Fluent use of Python (pandas, numpy, statsmodels, scikit-learn).
- Experience analyzing key insurance business metrics: drop-offs, conversion, renewals, loss ratios, elasticities, and retention.
- Practical understanding of the dynamics between technical and commercial pricing.
What will make your profile stand out
- Ability to communicate and argue pricing decisions to different technical and business stakeholders.
- Rigorous analytical thinking, business orientation, and attention to detail.
- Ability to work across various lines of business and share knowledge within the team.
- Sensitivity to understand how variables impact the final rate and detect inconsistencies between the technical model and the system.
Desirable
- Ability to generate an end-to-end GLM without constant supervision.
- Experience in renewal optimization or uplift modeling.
- Knowledge of cloud architectures (Azure, Databricks) or basic MLOps processes.
- Experience in other lines or products with complex pricing structures.
What do we offer you?
- Hybrid model and flexibility after the first month of joining
- Health insurance and exclusive benefits
- Flexible remuneration
- Access to continuous training and a development plan
- 26 vacation days + birthday off
- Social benefits and an inclusive environment
About us
Sabadell Zurich is the alliance between Banco Sabadell and Zurich Insurance Group. We are more than 350 professionals in Spain with a common purpose: To be there to care.
We promote an inclusive environment based on equal opportunities, without discrimination based on gender, age, origin, disability, sexual orientation, or other personal circumstances.
If you are looking for a demanding, collaborative environment with a real impact on the business, we want to meet you.
At Sabadell Zurich, talent becomes value.
View original advert (Spanish)
En Sabadell Zurich formarΓ‘s parte del equipo de Pricing y Analytics con el objetivo de optimizar la estrategia tarifaria mediante modelizaciΓ³n avanzada y anΓ‘lisis tΓ©cnico que impacte directamente en rentabilidad y retenciΓ³n. LiderarΓ‘s el desarrollo, recalibraciΓ³n y validaciΓ³n de modelos GLM de frecuencia, severidad y otros modelos para los principales ramos de seguros generales, utilizando WTW Radar / Emblem / Python.
Tu contribuciΓ³n serΓ‘ clave para llevar a cabo el ciclo completo de modelizaciΓ³n: desde la exploraciΓ³n y preparaciΓ³n de datos hasta la presentaciΓ³n y defensa tΓ©cnica de resultados ante el manager y, cuando sea necesario, ante direcciΓ³n, trabajando siempre en un entorno colaborativo, diverso y orientado a negocio.
AdemΓ‘s, participarΓ‘s en iniciativas de analΓtica avanzada relacionadas con:
- EvoluciΓ³n de caΓdas, renovaciones, conversiΓ³n y siniestralidad.
- OptimizaciΓ³n de renovaciones y anΓ‘lisis de retenciΓ³n.
- ReplicaciΓ³n y control de tarifaria en Radar.
- Estudios adβhoc que respalden decisiones de Producto y direcciΓ³n tΓ©cnica.
Por otro lado, ColaborarΓ‘s estrechamente con los equipos de Producto y Siniestros para asegurar que los modelos y tarifas reflejan tendencias tΓ©cnicas y las necesidades del negocio. Aunque la implementaciΓ³n final se gestiona desde otra Γ‘rea, tendrΓ‘s un rol clave en asegurar la consistencia entre el modelo tΓ©cnico y el operativo.
ΒΏQuΓ© necesitamos de ti?
Buscamos a una persona con experiencia demostrada en pricing de seguros generales, capaz de trabajar con autonomΓa en el corto plazo y de aportar criterio tΓ©cnico propio.
Para tener Γ©xito, necesitarΓ‘s:
Experiencia y conocimientos esenciales
- Licenciatura o Grado en Actuariales, MatemΓ‘ticas, EstadΓstica, FΓsica o equivalentes.
- MΓnimo de 5 AΓ±os de experiencia en posiciones similares.
- Nivel intermedio de Ingles (B2)
- Dominio prΓ‘ctico de herramientas para modelizaciΓ³n y control de tarifas.
- Conocimientos sΓ³lidos en GLM de frecuencia y severidad, distribuciones (Poisson, Gamma, Tweedie), testing y validaciΓ³n.
- Manejo fluido de Python (pandas, numpy, statsmodels, scikitβlearn).
- Experiencia analizando mΓ©tricas clave del negocio asegurador: caΓdas, conversiΓ³n, renovaciones, siniestralidad, elasticidades y retenciΓ³n.
- Entendimiento prΓ‘ctico de la dinΓ‘mica entre pricing tΓ©cnico y comercial.
QuΓ© marcarΓ‘ la diferencia en tu perfil
- Capacidad de comunicar y argumentar decisiones tarifarias ante diferentes interlocutores tΓ©cnicos y de negocio.
- Pensamiento analΓtico rigoroso, orientaciΓ³n a negocio y atenciΓ³n al detalle.
- Capacidad para trabajar en varios ramos y compartir conocimiento dentro del equipo.
- Sensibilidad para entender cΓ³mo las variables impactan la tarifa final y detectar inconsistencias entre modelo tΓ©cnico y sistema.
Valorables
- Capacidad de generar un GLM endβtoβend sin supervisiΓ³n constante.
- Experiencia en optimizaciΓ³n de renovaciones o uplift modeling.
- Conocimientos de arquitecturas cloud (Azure, Databricks) o procesos de MLOps bΓ‘sicos.
- Experiencia en otros ramos o productos con estructuras tarifarias compleja
ΒΏQuΓ© te ofrecemos?
- Modelo hΓbrido y flexibilidad tras el primer mes de tu incorporaciΓ³n
- Seguro de salud y ventajas exclusivas
- RetribuciΓ³n flexible
- Acceso a formaciΓ³n continua y plan de desarrollo
- 26 dΓas de vacaciones + dΓa de cumpleaΓ±os
- Beneficios sociales y entorno inclusivo
Sobre nosotros
Sabadell Zurich es la alianza entre Banco Sabadell y Zurich Insurance Group. Somos mΓ‘s de 350 profesionales en EspaΓ±a con un propΓ³sito comΓΊn: Estar para cuidar.
Promovemos un entorno inclusivo basado en la igualdad de oportunidades, sin discriminaciΓ³n por gΓ©nero, edad, origen, discapacidad, orientaciΓ³n sexual u otras circunstancias personales.
Si buscas un entorno exigente, colaborativo y con impacto real en negocio, queremos conocerte.
En Sabadell Zurich, el talento se convierte en valor.