Lead Insurance Pricing Analyst

• Help Monzo better understand and improve the performance of its insurance pricing, sitting at the intersection of data, pricing, and growth. • Bring stronger customer, conversion, and market insight into pricing discussions as Monzo scales its first product line, Home insurance, with plans to expand into additional categories. • Work closely with Monzo's insurance partner, data scientists, and product teams to turn pricing, risk, and loss data into clear, actionable recommendations. • Work hybrid from Monzo's London office next to Liverpool Street station, with flexible working hours.

• Have experience in insurance pricing, risk modelling, or data science — ideally UK Home or another personal lines product. • Be highly analytical and hands-on with data, comfortable running pricing experiments such as elasticity testing, and using conversion, loss ratio, and risk data to drive actionable decisions. • Have enough underwriting and pricing knowledge to assess pricing assumptions, rating factors, and trade-offs using data. • Have a solid grounding in SQL and experience with data analysis tools such as Python, Jupyter, Looker, or similar.

• Have worked in a digital-first insurer, insurtech, or high-growth product-led environment. • Bring experience with price comparison websites or other highly price-sensitive distribution channels. • Have familiarity with underwriting concepts and insurer-led pricing discussions. • Bring experience building internal pricing capability including frameworks, datasets, and ways of working. • Have experience refining pricing segments, rating factors, and tiering to improve decision quality.

• Build and maintain a clear view of day-to-day pricing performance, understanding where Monzo sits in the market and why. • Analyse pricing, conversion, claims, and loss ratio data to identify opportunities to improve growth and profitability. • Run and support pricing experiments such as segment-level changes and elasticity testing, including on price comparison websites. • Refine pricing segments, rating factors, and tiering to improve decision quality. • Work with the insurer to evaluate pricing opportunities, assumptions, and trade-offs, bringing the Monzo customer, conversion, and market insight lens. • Build a clear view of price competitiveness, especially on price comparison websites, and recommend actions to improve rank and conversion. • Work with Data Science to deepen analysis while independently driving core pricing work. • Help develop internal pricing capability including frameworks, datasets, and ways of working.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £85,000–£138,000 depending on experience plus incentive awards tied to performance. • Take 26 days holiday plus bank holidays. • Access private medical insurance with WPA. • Work hybrid from Monzo's London office next to Liverpool Street station with flexible working hours. • Access a £1,000 annual learning budget for books, training courses, and conferences. • Receive a full work-from-home setup including a MacBook.

Monzo is on a mission to make money work for everyone. Starting as a prepaid card, the product offering has grown over 10 years in the UK to include personal and business bank accounts, joint accounts, accounts for 16–17 year olds, free kids accounts, credit cards, savings, investments, and pension combining. The Insurance team is building insurance that actually works for people — no jargon, no faff — scaling its first product line, Home insurance, with plans to expand into additional insurance categories.