Analista de Modelamiento de Riesgos desarrollando modelos de riesgo crediticio en Financiera Oh S.A. Asegurando la calidad y aplicando nuevas técnicas de modelamiento en riesgo.
About the role
- Product Research Senior Analyst at Westfield analyzing market trends for product development and profitability. Collaborating with Product Managers under minimal supervision to implement solutions.
Responsibilities
- Independently conduct and understand data analysis of business results (frequency/severity, customer mix, rate need, competitive position) to assess profitability and growth opportunities and identify root cause.
- Formulate and execute potential recommendations to drive desired growth & profitability impacts based on established strategy with consideration for marketplace conditions and internal results.
- Present, inform and influence product and pricing recommendations to business partners including underwriting and sales.
- Serve as the analytical BOP lead for rate reviews, territory analyses, segmentation studies, and new rating variable development.
- May function as a subject matter expert in strategic initiatives to support the goals and objectives of the broader organization.
- Develops top and bottom-line forecasts and rigorously analyzes and evaluates product performance metrics against those plans to identify divergence from expectations. Recommends actions based on actual results and builds contingency plans.
- Monitor effectiveness of business initiatives and strategies, impacts to rate and pricing changes, book mix changes, and any outliers in trends; then provide recommendations on potential course of actions.
- Evaluate underwriting performance and partner with Underwriting leadership to refine rules or guidelines.
- Collaborate with IT and Product Development to drive implementation of rate, rule, and system updates.
- Demonstrates excellent problem-solving abilities, in a practical way, to balance between addressing root cause and introducing changes in fast order.
- Acquires market and competitive intelligence and develops knowledge of emerging trends to effectively compete in a rapidly changing environment and shares knowledge with the organization.
- Develops a deep understanding of the regulatory and statutory environments for assigned states and/or lines of business. Ensures product decisions and processes are in alignment with company policies and meet all legal and regulatory requirements.
Requirements
- 3-5 years of experience in Product Research, Insurance industry or a related field.
- Bachelor's degree in market research, statistics, data science, business, or a related field and/or commensurate work experience.
Benefits
- Hybrid - defined as working three or more days per week in the office if the employee's residence is within 50 miles of Westfield Center, OH; OR Remote-if the employee resides more than 50 miles from Westfield Center, OH.
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Location requirements
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