Insurance Pricing Analyst

• Own 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 (PCWs). • Refine pricing segments, rating factors, and tiering to improve decision quality. • Build a clear view of price competitiveness on PCWs 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.

• Have pricing experience in UK Home insurance or a similar general insurance product. • Be highly analytical and hands-on with data, comfortable running pricing experiments and using conversion, loss ratio, and risk data to drive decisions. • Have sufficient underwriting knowledge to effectively challenge insurer proposals, pricing assumptions, and rating factors using data. • Have a solid grounding in SQL and experience with data analysis tools such as Python, Jupyter, Looker, or similar.

• Have experience working in a digital-first insurer, insurtech, or high-growth product-led environment. • Have experience with PCWs or other highly price-sensitive distribution channels. • Have familiarity with underwriting concepts and insurer-led pricing discussions.

• Monitor and own day-to-day insurance pricing performance and market positioning. • Analyse pricing, conversion, claims, and loss ratio data to surface actionable insights. • Design and run pricing experiments including elasticity testing and segment-level changes. • Evaluate pricing proposals and assumptions from Monzo's insurance partner. • Develop pricing segments, rating factors, and tiering to sharpen decision quality. • Collaborate with Data Science on deeper analysis while leading core pricing work independently. • Build out internal pricing frameworks, datasets, and operational 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 £80,000–£95,000 depending on experience. • Work in a hybrid pattern between the London office near Liverpool Street and home. • Enjoy flexible working hours with trust to work in a way that suits you and your team. • Receive private medical insurance with WPA. • Access a £1,000 annual learning budget for books, training courses, and conferences. • Receive 25 days holiday plus bank holidays. • Get a Macbook and home office setup support.

Monzo is on a mission to make money work for everyone — building simple, reliable products that put customers in control of their finances. The Insurance team is scaling Monzo's first insurance product line, Home insurance, with plans to expand into additional categories. This is a focused team with ambitious growth targets and the opportunity to build something from the ground up within one of the UK's most recognised challenger banks.