Data Scientist

Are you ready to transform the insurance industry? Policy Expert is a forward‑thinking business that loves to get things done. Leveraging proprietary technology and smart data, we offer reliable products and a wow customer experience.

Having achieved rapid growth since being founded in 2011, we've won over 1.5 million customers in Home, Motor and Pet insurance and have been ranked the UK's No.1‑rated home insurer by Review Centre since 2013.

This is an exciting time for us as we expand our Data Science capabilities to support our ambitious growth plans in insurance pricing/counter fraud/underwriting. Retail pricing is at the heart of our business – finding the right premium to offer each customer, balancing competitiveness, fairness, and profitability. We're investing heavily in data science and ML engineering to take our pricing models to the next level, with the customer at the centre of everything we do. With a wealth of internal and external datasets and cutting‑edge technologies, we have the opportunity to deliver innovative, market‑leading pricing solutions that customers can trust.

As a Data Scientist, you will be developing, testing, and deploying advanced statistical and machine learning models to optimise customer premiums and support our pricing/UW/counter fraud strategy. You'll collaborate closely with pricing, underwriting, and commercial teams, as well as ML Engineers, to ensure models are implemented effectively and deliver measurable value. Activities will include:

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• Building predictive and optimisation models to determine the best premium to offer across home, motor, and pet insurance products.
  
• Designing and running pricing experiments (including A/B tests and market tests) to understand customer behaviour, retention, and conversion.
  
• Developing real‑time pricing and decisioning solutions that balance volume, profitability, and risk appetite.
  
• Working within a cross‑functional squad (pricing managers, underwriters, ML engineers, analysts) to deliver pricing improvements and business outcomes.
  
• Influencing priorities using data‑driven insights and quantifying the commercial impact of initiatives.
  
• Monitoring model performance and ensuring regulatory and fairness considerations are built into our pricing solutions.
  
• Being a champion of retail pricing science across the business, explaining the value of data‑driven pricing strategies to non‑technical stakeholders.
  

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• Experience developing and deploying statistical and machine learning models in the insurance retail pricing/counter fraud/UW context.
  
• Strong programming skills in Python, with a working knowledge of SQL, and experience analysing large, complex datasets.
  
• Strong knowledge of statistical modelling and optimisation techniques relevant to pricing and customer behaviour.
  
• Desire to interact with stakeholders (pricing, underwriting, product) and translate business needs into practical modelling solutions.
  
• Strong teamwork and communication skills, with the ability to explain complex pricing or modelling concepts to a non‑technical audience.
  
• Ability to design, monitor, and interpret pricing tests and experiments.
  
• Understanding of the need for clean, reliable data and experience working with Data Engineers to define data requirements.
  
• Familiarity with software engineering best practices and writing efficient, production‑ready code.
  
• Must have worked with Pricing within a UK general insurance market and regulatory environment (e.g., FCA pricing regulations, fair value) would be an advantage.
  
• Experience with cloud‑based ML platforms such as GCP Vertex AI (or similar) is desirable.
  

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• Role based in our London office in a 50/50 Hybrid mode.
  
• We match your pension contributions up to 7%.
  
• Private medical & dental cover.
  
• Learning budget of £1,000 a year + study leave (with encouragement to use it).
  
• Enhanced maternity & paternity leave.
  
• Travel season ticket loan.
  
• Access to a wide selection of London O2 events and use of a Private Lounge.
  
• Employee wellbeing programme.
  
• Prayer room in Office.
  

We pride ourselves on being an equal‑opportunity employer. We treat all applications equally and recruit based solely on an individual's skills, knowledge, and experience. The quality and growing diversity of our team is a testament to this commitment.

At Policy Expert, we are committed to fostering an inclusive and supportive environment for all candidates. If you require any reasonable adjustments during the interview process to accommodate your needs, please do not hesitate to let us know. We are dedicated to ensuring every candidate has an equal opportunity to succeed and will work with you to provide the necessary support.

We aim to be in touch within 14 working days of receiving your application – you will be notified if your application is successful or unsuccessful. Please be encouraged to apply even if you do not meet all the requirements.