Job Description

Who are we?

Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries.

People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Personal Lines Pricing Manager

Reporting to: Personal Lines Pricing & Analytics Director
Contract: Full time | Hybrid working

About DUAL UK Personal Lines
DUAL UK Personal Lines is the specialist motor and home underwriting business within DUAL Group, operating through the KGM, Eridge and Aurum brands in motor, and the Magenta brand in non-standard home insurance. With over 60-years of heritage, our business now writes over £300m GWP annually, across a broad portfolio of specialist consumer and commercial motor and home products.

Our business has achieved steady growth in recent years by combining fast, friendly and flexible service with deep underwriting expertise and strong distribution relationships. This approach has been recognised via recent industry awards, including both the UK Broker Choice and Insurance Times MGA of the Year and a five-star rating in the Insurance Times Broker survey for 4 years in a row.

The Opportunity
We are now seeking a Personal Lines Pricing Manager to join our business. This is a newly-created role, which will sit within a newly-created Pricing & Analytics team. The team brings together existing pricing activity from across the business to create a focused centre of excellence. With significantly increased investment into Pricing & Analytics, the new team will be at the heart of enabling of our continued business success over coming years.

Role purpose

The Personal Lines Pricing Manager is a senior technical pricing role responsible for the design, deployment and ongoing optimisation of pricing strategies within DUAL UK’s Personal Lines portfolio. The role is hands-on and commercially embedded, working closely with Underwriting, DUAL Actuarial (reserving) and Claims colleagues to ensure pricing strategy and execution is competitive, compliant, aligned to commercial objectives and tuned to the diverse needs of the specialist product lines within our portfolio.

Key responsibilities

• Pricing strategy & execution
  • Develop and optimise pricing strategies for Personal Lines products, with a primary focus on Motor lines
  • Translate underwriting appetite and portfolio objectives into effective pricing actions
  • Contribute across the end-to-end pricing lifecycle from analysis to deployment and monitoring
  • Balance risk, profitability, competitiveness and growth objectives
• Pricing models & tools
  • Design, enhance and maintain pricing models and rating structures
  • Calibrate rating factors in response to experience and market movement
  • Support development of pricing tools, automation and MI
  • Contribute to advancing pricing capability over time
• Performance monitoring & insight
  • Develop and maintain pricing MI and rate monitoring
  • Analyse pricing performance by product, segment and channel
  • Contribute to business planning and portfolio reviews
• Stakeholder partnership
  • Act as key pricing contact for Underwriting teams
  • Provide expert pricing input and constructive challenge
  • Collaborate with Actuarial (reserving), Claims, Operations and Technology as needed
  • Communicate recommendations clearly to senior stakeholders
• Governance & compliance
  • Ensure pricing complies with regulatory and internal governance standards
  • Support pricing governance forums and audits
  • Maintain strong documentation and change control

Candidate requirements

• Strong experience in UK Personal Lines pricing
  • Motor experience is essential
  • Experience of specialist motor lines is an advantage
  • Additional home pricing experience is an advantage.
• Proven hands-on capability in pricing model development and rate optimisation
• Excellent numerical and analytical skills, and commercial mindset
• Strong interpersonal, stakeholder management and communication / presentation skills with the ability to influence cross-functional teams and senior stakeholders
• Familiarity with range of pricing tools such from Radar/Emblem to R, Python and Excel
• Degree-level qualification in a numerate discipline
• Evidence of ability and appetite to succeed in a fast-paced, rapidly evolving growth business

What do we offer in return?

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us:

• Our successes have all come from someone brave enough to try something new

• We support each other in the small everyday moments and the bigger challenges

• We are determined to make a positive difference at work and beyond

Reasonable adjustments

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*.

If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.

*Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.

Permanent