Home Risk Pricing Consultant

Job Description

Home Risk Pricing Consultant

• Be part of NFU Mutual's people-focused Risk Pricing department, that puts fairness and accurate pricing at the heart of what we do


• A great opportunity to combine hands-on technical pricing work with people management, developing risk pricing models whilst leading and supporting a small team


• Benefit from our hybrid working approach, with 80% home working and regular time in our Stratford-upon-Avon office for collaboration and connection (20%)

About the role

Working in Pricing at NFU Mutual feels genuinely different. With a clear focus on customers rather than shareholders, the team’s work has real impact - supporting local communities, protecting livelihoods, and helping our UK wide Agency Network deliver exceptional service.

As a Home Risk Pricing Consultant, you’ll play a key role in developing and delivering an independent risk price across a defined product range, ensuring accurate risk cost, strong premium performance and clear insight into the drivers of cost inflation. This is a personal lines risk pricing role covering both standard and bespoke Home insurance, as well as Equine, offering a varied and technically engaging portfolio.

From day one, this role will include people management responsibilities, with line management of a small team. Working closely with colleagues across the Pricing community, Claims, Reserving & Pricing Innovation, you will design and implement effective rating logic, build and refine risk pricing models, and support governance processes to maintain the highest levels of model quality and integrity.

You’ll also have the opportunity to shape and evolve our monitoring approach, improving insight into performance and strengthening our ability to respond to emerging trends. Alongside this, you’ll play a key role in driving efficiencies and streamlining processes as we continue to transition towards an online distribution channel

You’ll contribute to shaping product, underwriting and pricing decisions by providing robust technical input, monitoring regulatory and market forces and helping to drive continuous improvement. This role offers the opportunity to operate at the heart of our pricing strategy, with visibility across senior stakeholders, involvement in innovative projects and the chance to make a meaningful impact in a collaborative and supportive environment.

About you

You’re an experienced pricing professional with the ability to translate complex analysis into clear insights and recommendations. You communicate confidently with a range of stakeholders, building strong relationships and positively influencing thinking

You’re comfortable challenging assumptions, simplifying complexity for others and adapting quickly in an evolving environment. You prioritise effectively, manage your time well and bring a proactive, solutions-focused mindset with strong problem-solving capability.

As a people centred leader with proven experience in leading, developing and/or mentoring others, you foster growth and collaboration while consistently delivering work with precision and strong technical rigour.

You will also be able to demonstrate the following:

• Significant experience in a General Insurance Pricing function with direct responsibility for pricing outputs


• Proficiency with pricing software (Emblem, Radar, R, SQL or similar)


• Extensive experience building and using risk pricing models and setting technical rates


• Strong data and trend analysis capability


• Prior experience in personal property lines and/or direct online channels would be desirable

At NFU Mutual, we support an inclusive workplace and value all the differences that make us unique. We celebrate the creativity and innovation that comes from diverse perspectives and experiences and share a common vision of doing the right thing for our customers and employees.

We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.

We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.

Benefits and Rewards

When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:

Level 4

• Salary of up to £72,000


• Annual bonus (up to 17.5% of salary)


• Contributory pension scheme, up to 20%, including your 8% contribution


• 25 days annual leave + bank holidays + buy/sell/save holiday trading scheme


• A Family Friendly policy that helps you balance your work and family responsibilities


• Access to savings at High Street brands, travel and supermarkets


• £20 contribution to a monthly gym membership – subject to T&Cs


• Health and wellbeing plan - cashback for dentist, opticians, physio and more


• Access to voluntary benefits, including health assessments, private medical insurance and dental insurance


• Employee Volunteering - volunteer in the community for one day each year


• Unlimited access to Refer a Friend £500 bonus scheme


• Life Assurance cover of 4 x salary


• Employee discounts of 15% on a range of NFU Mutual insurance policies.


• Salary sacrifice employee car scheme - subject to eligibility

Working at NFU Mutual

We’re one of the UK’s leading general insurance and financial services organisations, and for over 110 years we’ve put our customers at the heart of everything we do. Our people are just as important to us, so we’re proud to be recognised as “a great place to work”.

Our Gallup Exceptional Workplace 2025 award was not only awarded with Distinction, but it also marked us as the first UK based company to earn a Gallup Exceptional Workplace award for ten consecutive years. We’ve also been consistently recognised by Glassdoor. We appeared in the Glassdoor Best Places to Work UK list in 2023, 2024 and 2026 — and in 2026, we were the highest ranked insurance business in the UK, highlighting our strong employee experience and the positive feedback our people share on the platform.

Additionally, we were named in the LinkedIn Top 15 Companies 2025 list of “Best midsize employers to grow your career in the UK”, and we’ve been certified as a UK Top Employer by the Top Employers Institute in 2023, 2024, 2025 and 2026.

We offer a supportive and empowering culture where people are inspired to perform, given opportunities to grow, and recognised and rewarded for their contribution. Our people are proud to work for a company that respects them and their communities, and they trust us to be financially sustainable—so we’re successful now and in the future.