Senior Capital & Underwriting Analyst

Job Description

Join us, be part of more.

We’re so much more than an energy company. We’re a family of brands revolutionising how we power the planet. We're energisers. One team of 21,000 colleagues that's energising a greener, fairer future by creating an energy system that doesn’t rely on fossil fuels, whilst living our powerful commitment to igniting positive change in our communities. Here, you can find more purpose, more passion, and more potential. That’s why working here is #MoreThanACareer. We do energy differently - we do it all. We make it, store it, move it, sell it, and mend it.

We’re looking for a Senior Capital Analyst / Data Scientist who wants to move beyond regulatory reporting and use analytics, automation, and modelling to drive real commercial and underwriting decisions across a business serving ~10 million customers.

You’ll sit at the intersection of capital, underwriting, and data science shaping how the capital model is used, building intelligent workflows, and turning complex signals into actionable insight for senior leaders.

Location: We offer a hybrid approach, with home working alongside time in our Windsor or London offices for team collaboration.

What you’ll be doing:

Capital model development & use‑case expansion

• Enhance and evolve the capital model.
• Proactively identify new business use cases for capital outputs and embed them across the organisation.
• Bring stakeholders with you, improving decision quality and model adoption.

Automation & trusted workflows

• Streamline and automate core processes — data ingestion, validation, run logging, results storage.
• Ensure outputs are reliable, reproducible, and ready for decision‑making at pace.

Underwriting performance & actionable insight

• Monitor underwriting performance and emerging trends (profitability, loss ratio drivers, etc.).
• Drive recommendations that influence pricing and underwriting decisions.
• Prioritise early trend detection over retrospective explanation.

Best‑in‑class dashboards & visualisation

• Build and own clear, interactive dashboards and “what‑if” tools.
• Make capital and underwriting insights easy to explore and hard to misinterpret using tools such as Plotly, Streamlit, or similar.

Competitor & market intelligence (AI + analytics)

• Develop repeatable, AI‑powered monitoring of competitor propositions, service levels, and customer sentiment (where appropriate).
• Deliver concise “what changed / so what / now what” updates that inform commercial and underwriting strategy.

Here's who we’re looking for:

• Experience in capital modelling (ideally within insurance), with the ability to translate outputs into business decisions
• Strong understanding of underwriting and portfolio performance, including how to investigate trends and recommend actions
• Advanced Python capability (pandas, automation mindset) with experience building tools and workflows
• Strong data visualisation skills, with a focus on clarity, usability, and impact
• Ability to influence and communicate with senior stakeholders, confidently presenting insights and recommendations
• A proactive mindset — someone who can spot opportunities, not just problems

Bonus experience

• SQL (SQLite/Postgres)
• Experience using LLMs / AI workflows with appropriate controls and evaluation
• Exposure to competitor intelligence or market analysis

This role is ideal for you if you’re looking to move beyond a purely technical or regulatory actuarial seat and into a position where your work genuinely influences business decisions. You’ll have the opportunity to combine capital modelling with data science, automation, and commercial insight, giving you a far broader skillset than a traditional role. Rather than simply producing outputs, you’ll own how those outputs are used—building tools, surfacing trends early, and shaping underwriting and pricing strategy in a visible way. If you enjoy working with data, creating intuitive solutions, and seeing your insights drive real action at scale, this role offers a unique platform to develop quickly while having meaningful impact across a large, customer-focused business.

Why should you apply?

We’re not a perfect place – but we’re a people place. Our priority is supporting all of the different realities our people face. Life is about so much more than work. We get it. That’s why we’ve designed our total rewards to give you the flexibility to choose what you need, when you need it, making sure that you and your family are supported not only financially, but physically and emotionally too. Visit the link below to discover why we’re a great place to work and what being part of more means for you.

https://www.morethanacareer.energy/centrica

If you're full of energy, fired up about sustainability, and ready to craft not only a better tomorrow, but a better you, then come and find your purpose in a team where your voice matters, your growth is non-negotiable, and your ambitions are our priority.

Help us, help you. We would love for you to share any information about yourself throughout our recruitment process so that we can better understand you and help shape your journey.