Job Description

Position Objective and Responsibilities

The candidate will be a key member of the Guardian India Actuarial Team, with ongoing partnership and support to the Annuity Valuation Team.

Key Responsibilities include:

Valuation

Calculate monthly reserves for Annuity products.
Provide reserve rollforwards, projections and Source of Earnings (SOE) analysis.

Modeling

Develop VM-22 PBR models for fixed immediate and deferred annuities in GGY AXIS.
Enhance GGY AXIS valuation models and incorporate updated PBR assumptions.

Experience Studies

Lead and review experience studies for annuity products.
Design, enhance, and maintain repeatable analytical tools to improve efficiency, transparency, and controls in experience studies.
Perform detailed data validation, reconciliation, and diagnostics to ensure high-quality inputs for actuarial analysis.
Translate experience study results into clear insights and recommendations for stakeholders.

Data Analytics & Reporting

Work on the monthly, quarterly, and annual reports for business partners.
Identify trends, emerging risks, and anomalies in business performance and proactively communicate findings.
Drive automation and simplification of recurring reports, reducing manual effort and increasing timeliness and accuracy.

Quality & Continuous Improvement

Act as a technical resource.
Proactively identify opportunities to improve data quality, analytical rigor, and process efficiency.
Build and maintain strong, collaborative relationships with business partners
Consistently demonstrate Guardian’s Core Values by acting with integrity, holding high professional standards, and delivering long-term business value.

Skills, Knowledge, and Behaviors

Advanced proficiency in MS Excel, including complex formulas, controls, and model design.
Strong hands-on experience with actuarial and analytical tools such as VBA, SQL/MS Access, Python,
Strong understanding of life insurance and annuity products, experience analysis, and assumption development.
Excellent analytical, problem-solving, and critical-thinking skills with the ability to interpret complex results.
Ability to clearly communicate technical concepts to non-technical stakeholders.
Proven capability to manage priorities.
Demonstrated mindset of continuous improvement, automation, and efficiency gains.
High level of professionalism, accountability, and alignment with organizational values.

Education and Experience

2-3 years of progressive experience in actuarial roles, preferably within life insurance.
4+ actuarial exams (CM1 & CS1 is preferable)
Strong practical experience in GGY AXIS, Valuation, data analytics & reporting.
Bachelor’s degree.

Location:

This position can be based in any of the following locations:

Gurgaon

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday

About Guardian Life

Who we are

Guardian makes a difference in the lives of people when they need us most. With over 160 years of stability and fiscal integrity, we are a trusted resource to generations of families and business owners, inspiring well-being and helping build financial confidence.

Today, we stand behind 29 million consumers, helping them prepare and plan for a bright future for themselves and their families. We help business owners care for their employees. And we help people recover and thrive in times of unexpected loss.

As a modern mutual insurance company, we believe in driving value beyond dividends. We invest in our colleagues, are building an inclusive and innovative culture, and are helping to uplift communities through thoughtful corporate impact programs.

What we stand for

In 1860, a community of immigrants joined together to insure and protect their businesses and families. They were guided by powerful ideals that we’ve continued to stand behind and evolved throughout the years: we do the right thing, we believe people count, we courageously shape the future together, and we go above and beyond for the people we serve.

Guardian employees embrace and live by these values every day. They remind us to put people at the heart of all we do so that we can help protect what matters most to you. Want to help bring these values to life? Join us for a rewarding career and the opportunity to shape the future.

Disclosures:

Financial information concerning Guardian as of December 31, 2022, on a statutory basis: Admitted assets = $76.0 billion; liabilities = $67.2 billion (including $55.0 billion of reserves); and surplus = $8.8 billion. Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.

Industry

Finance & Insurance

Company Size

5,001-10,000 employees

Headquarters

New York , NY

Year Founded

1860

Website

guardianlife.com

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Senior Analyst - Actuarial