Risk Pricing Manager - Home

auxmoney

DEIN NEUES TEAM: Im Customer Lifecycle Marketing bei auxmoney dreht sich alles um unsere Bestandskunden und darum, ihnen zum richtigen Zeitpunkt das passende Angebot zu machen. Unser fünfköpfiges Team betreibt ein hochentwickeltes CRM-Setup, das täglich hunderttausende Kunden personalisiert über E-Mail, SMS, Push-Notifications und Direct Mail erreicht.   Was uns jetzt fehlt, ist eine analytisch starke Persönlichkeit, die komplexe Zusammenhänge versteht, Themen eigenständig vorantreibt und als fachlicher Sparringspartner im Team agiert. Wenn Du gerne mit Daten, Logiken und Kampagnen arbeitest und gleichzeitig verstehen möchtest, welchen Einfluss Deine Arbeit auf Kunden und Geschäftserfolg hat, bist Du bei uns genau richtig, egal ob Dein aktueller Titel „Senior“ ist oder nicht. DAS ERWARTET DICH: * Fachliches Sparring und Qualitätssicherung: Du entwickelst Kampagnenlogiken, Zielgruppensegmentierungen und Automatisierungsstrecken gemeinsam mit dem Team weiter und stellst fürs Team sicher, dass auch komplexe Setups zuverlässig funktionieren. * Eigenverantwortung für komplexe Themen: Du übernimmst Fragestellungen ohne vorgefertigte Lösung, strukturierst diese eigenständig, koordinierst relevante Stakeholder und bringst sie erfolgreich zur Umsetzung. * Analytik und datenbasierte Optimierung: Du analysierst Kampagnen KPIs, identifizierst Optimierungspotenziale in parallelen und komplexen Segmentierungslogiken (z.B. AND/OR-Verknüpfungen, Segmentierungskaskaden und Dateninkonsistenzen) und behältst zentrale Kennzahlen wie Revenue, Reach, Conversion und Unsubscribes im Blick. * Kampagnenentwicklung und Testing: Du entwickelst neue Trigger, Zielgruppenansätze und Testkonzepte und arbeitest kontinuierlich an der Weiterentwicklung unserer CRM-Kampagnen und Automatisierungsstrecken. * Zusammenarbeit über Teamgrenzen hinweg: Du arbeitest eng mit Kolleginnen und Kollegen aus BI, Product, Risk und Pricing zusammen und sorgst dafür, dass Ideen zu erfolgreichen Lösungen werden. * Große Flexibilität: Unser Team trifft sich mittwochs und donnerstags im Düsseldorfer Office. An allen anderen Tagen arbeiten wir bundesweit aus dem Homeoffice. DAS BRINGST DU MIT: * Analytische Stärke: Du denkst in Zusammenhängen, erkennst Fehler in komplexen Logiken und hast Freude daran, Herausforderungen bis auf den Grund zu durchdringen und zu lösen. * Erfahrung mit Segmentierungs- und Kampagnenlogiken: Du hast mehrjährige, umfassende Erfahrung in der eigenständigen Konzeption und dem Aufbau komplexer Zielgruppen, Automatisierungen und Filterstrukturen - nicht nur deren Auswertung - und verstehst die Logik hinter datengetriebenem CRM-Marketing. * Erfahrung im datengetriebenen Marketing: Du bringst mindestens vier Jahre Erfahrung in einer analytisch geprägten Marketingrolle mit, beispielsweise in CRM, Marketing Automation, Marketing Operations oder CRM Analytics. * Eigenverantwortung und Umsetzungsstärke: Du treibst Themen selbstständig voran, bindest die richtigen Stakeholder ein und lieferst Ergebnisse. * Leidenschaft für CRM: Du begeisterst Dich gleichermaßen für Daten, Logiken und die Frage, welche Botschaften Kunden wirklich erreichen. * Kommunikationsstärke: Du verfügst über sehr gute Deutsch- (C2) und Englischkenntnisse (mindestens C1) in Wort und Schrift. DAS BRINGEN WIR MIT: * Flexibilität für Deine Lebensgestaltung: Genieße familienfreundliche Arbeitszeiten und eine großzügige Homeoffice-Regelung, damit Du in jeder Lebenslage agil und flexibel bleiben kannst. * Ergonomisches Arbeiten: Für Deine Tage im Büro bieten wir ergonomische Arbeitsplätze, die Dir eine komfortable und gesunde Arbeitsumgebung bieten. * Eigenverantwortliches Arbeiten: Durch kurze Entscheidungswege ermöglichen wir Dir, selbstständig zu arbeiten und Deine Ideen aktiv einzubringen – bei uns hast Du Raum, Verantwortung zu übernehmen. * Wachse mit uns: Entfalte Dein Potenzial mit zahlreichen Gestaltungs- und Entwicklungsmöglichkeiten und einem jährlichen Entwicklungsbudget, um Deine fachlichen und persönlichen Ziele zu erreichen. * Gemeinsamer Spaß: Der Teamgeist kommt bei uns nicht zu kurz – wir bieten regelmäßig Events und Partys, bei denen der Spaß nicht zu kurz kommt. * Mobilität nach Wahl: Ob Bahnticket oder Parkplatz – wir unterstützen Dich bei der Wahl Deiner bevorzugten Mobilität. * Aktiv bleiben: Halte Dich fit mit einer vergünstigten Mitgliedschaft bei Fitness First oder Urban Sports Club oder nutze unseren Fitnessraum direkt im Haus, um nach der Arbeit aktiv zu bleiben und Deine Work-Life-Balance zu stärken. * Zukunft sichern: Denk auch an Deine Zukunft – wir bieten Dir Zuschüsse zur betrieblichen Altersvorsorge, damit Du mit uns langfristig planst. * Individuelle Angebote: Wir berücksichtigen Deine persönliche Lebenssituation – ob Du ein Elternteil bist oder gerne reist, wir bieten maßgeschneiderte Angebote, die zu Deinem Leben passen.   Deine Perspektive: Bei uns übernimmst Du eine zentrale Rolle in einem bereits etablierten CRM-Setup mit hoher Reichweite und großem Gestaltungsspielraum. Du arbeitest an komplexen Fragestellungen, bringst eigene Ideen ein und hast direkten Einfluss auf Kundenerlebnis, Umsatzentwicklung und die Weiterentwicklung unseres CRM-Marketings. Für uns als Arbeitgeber sind Chancengleichheit und Diversität besonders wichtig. Daher freuen wir uns auf Bewerbungen von Müttern, Vätern, Menschen mit Behinderungen und Menschen aus der LGBTQIA+ Community. Bitte teile uns gerne mit, wenn wir z.B. ein geschlechtsneutrales Pronomen verwenden sollen, Du einen barrierefreien Zugang zu unserem Büro benötigst oder wir mehr Zeit für den Bewerbungsprozess einplanen sollen.

Wakam

🧰 WHO WE ARE Wakam is a B2B2C insurance company that creates white-label insurance solutions via its Play&Plug® technology platform for more than 80 partners. We provide most of our insurance products through APIs and host white-label insurance solutions via our Play&Plug technology platform. With a footprint spanning 32 countries, Wakam is the European leader in digital and embedded insurance. Strongly committed to social responsibility, Wakam is a mission-driven company dedicated to enabling transparent and impactful insurance. ---------------------------------------------------------------------------------------------------------------------------------- 🚀 ABOUT THE TEAM The Underwriting team at Wakam lies at the core of strategic decision-making and risk analysis. Our mission? To develop pricing strategies and risk frameworks that ensure profitable, sustainable, and competitive insurance solutions for our partners. We blend actuarial science, data analytics, and innovation to build cutting-edge products across Europe — from Motor and Home to Pet, A&H, and Extended Warranty. We partner closely with MGAs, reinsurers, and internal teams to bring our vision to life. ---------------------------------------------------------------------------------------------------------------------------------- 🎯 YOUR MISSION As a Pricing Actuary / Pricing Lead you will play a pivotal role in delivering Wakam’s UK pricing across products including Motor, Home, Pet, and SME insurance. You will lead the development and implementation of data-driven pricing frameworks, ensuring alignment with business objectives, market dynamics, and regulatory expectations. This role combines strategic thinking, hands-on technical delivery, and strong stakeholder management—internally and externally. ---------------------------------------------------------------------------------------------------------------------------------- ✏️ YOUR RESPONSIBILITIES PRICING STRATEGY You execute pricing strategies to deliver profitable growth and market competitiveness. You collaborate with distribution partners (including MGAs) to understand market needs, refine pricing models, and design tailored solutions. You carry out statistical risk modelling, define target profitability and pricing criteria, and implement pricing models—often via APIs through Wakam’s platform or in coordination with partners. PORTFOLIO MANAGEMENT & ANALYTICS You develop management information and run ad-hoc analyses to support key decisions. You monitor and optimise portfolio performance, contribute to improved forecasting, and conduct regular reviews of pricing structures, profitability, and customer segmentation—taking into account competitor pricing, claims trends, and regulatory updates. TECHNICAL PRICING You design, implement, and enhance pricing models using actuarial and statistical methods. You monitor model performance and recalibrate when needed, and you investigate innovative technical solutions to complex business problems. You also perform peer reviews of MGA pricing proposals to ensure technical robustness and consistency. STAKEHOLDER & PARTNER MANAGEMENT You collaborate with MGAs and internal teams to support pricing decisions, product design, and portfolio management. You present results internally and to distributors, communicate complex pricing topics to non-technical audiences, and ensure pricing strategies remain compliant with applicable UK regulatory requirements. ---------------------------------------------------------------------------------------------------------------------------------- 🧠 WHAT YOU BRING ESSENTIAL * Experience in pricing roles within the UK insurance market, covering Motor, Home and/or SME. * Strong understanding of UK market dynamics and the regulatory framework. * Demonstrable proficiency in actuarial techniques and pricing modelling. * Experience with P&C pricing tools (e.g., AKUR8, RADAR, EARNIX or equivalent). * Strong programming skills in SQL and/or Python. * Experience with machine learning approaches and data visualisation tools (e.g., Power BI, Tableau). * Proven track record of leading pricing projects and/or teams. * Excellent communication skills and ability to influence stakeholders at all levels. * Strong commercial acumen and strategic thinking. DESIRABLE * Actuarial qualification (FIA/FFA) or progress toward qualification (ideal but not required). * Experience working with MGAs or within a B2B2C insurance model. ---------------------------------------------------------------------------------------------------------------------------------- ✨ WHO YOU ARE You combine rigour and analytical excellence with pragmatic execution. You are solutions-oriented, intellectually curious, and comfortable challenging the status quo when needed. You thrive in a fast-paced, international environment and communicate clearly across a wide range of stakeholders. You take ownership of outcomes, act with high integrity, and bring resilience and positive energy to your work. ---------------------------------------------------------------------------------------------------------------------------------- ✨ 🤖 AI & DIGITAL MINDSET You are comfortable with modern data tooling and automation, and you enjoy building repeatable, auditable analysis workflows. You’re curious about advanced analytics and AI when they add measurable value (segmentation, monitoring, decision support), while maintaining high standards for traceability, explainability, and governance. ---------------------------------------------------------------------------------------------------------------------------------- 🌟 WHY JOIN WAKAM? You’ll join a leading European embedded insurer where pricing has direct impact and visibility. You’ll work on diverse UK products, collaborate with a broad ecosystem (including MGAs), and help build scalable, data-driven pricing frameworks in a regulated context. ---------------------------------------------------------------------------------------------------------------------------------- 🏆 HIRING PROCESS We aim for a fast and insightful process: 1. Introductory HR Interview with our Talent Acquisition Partner. 2. Manager Interview with our Pricing Lead. 3. Technical Interview with the Team. 4. Culture Fit Interview in our London office with the Head of People and our Chief Underwriting.  ---------------------------------------------------------------------------------------------------------------------------------- 👉 Ready to build the future of pricing at Wakam? Apply now and become part of our journey to redefine embedded insurance across Europe. => Welcome @Wakam 🙌 AI-Assisted Interview Process Policy | Notion More About Us  Check out our website to learn about the 11 cultural markers that make Wakam truly special! If you're adventurous, impact-driven, and ready to shape the future of insurance, we'd love to meet you!   💫 What Makes Us Unique:  • True remote work flexibility with our Wakam From Anywhere (WFA) program - yes, we even have a teammate working from a sailboat! ⛵ • Flat hierarchical system promoting direct impact and autonomy 🚀 • Monthly Free.day: dedicated time for personal growth and skills development 📚 • Lunch voucher with Swile card • A meaningful company: we became a Mission-driven company in March 2021 • Work alongside passionate experts:  who will share their knowledge and help you develop and grow in your career.    At Wakam, our "Free to Impact" culture is built on four essential pillars that shape everything we do :   🗣️ Communication & Knowledge Management • Foster transparent collaboration across our flat organizational structure • Share knowledge freely in our highly collaborative environment • Contribute to our collective intelligence through open dialogue   🔍 Curiosity • Embrace our monthly Free.day for learning and skills sponsorship • Think big and challenge conventional insurance norms • Stay eager to learn and explore new possibilities   🔄 Continuous Improvement • Take initiative to transform the insurance industry • Turn challenges into opportunities for innovation • Constantly evolve our ways of working   🎯 Outcome Oriented • Focus on impact rather than hierarchy • Drive results through clear objectives and autonomy • Transform bold ideas into concrete solutions   At Wakam, we are committed to fostering an inclusive environment where diversity is celebrated. If you require any reasonable adjustments during the recruitment process, please feel free to reach out to your recruiter.

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   London OR Cardiff OR Remote (UK) | £63,800 - £80,650 + Incentive Awards tied to your performance + benefits Our Prudential Risk team Our Prudential Risk team is expanding, and we are searching for a Manager to join our 2nd Line Treasury Risk Oversight team. You will be part of the broader 2LoD Risk and Compliance department here at Monzo. This represents a fantastic chance to contribute to a scaling bank with high aspirations. By joining the Treasury Risk Oversight team, you will champion our value to "grow Monzo safely." Your focus will involve collaborating with 1st Line Treasury Markets to provide expert second-line oversight of their increasing investment activities and execution controls. In this role, you will partner with Treasury Markets as they oversee a £9.5bn portfolio that is set to scale and diversify across various securities and financial instruments. You will be instrumental in providing robust monitoring and challenge regarding new investment initiatives and current portfolio performance. Conducting independent credit reviews, resilience testing, and collateral oversight are central to this position. We are looking for someone with a solid grasp of the asset classes typically found in a retail bank's treasury holdings, such as Sovereign debt, Covered Bonds, ABS, and CLOs. Familiarity with FX market products, repurchase agreements, and interest rate hedging tools is also highly valued. A successful applicant will bring hands-on experience using Bloomberg for credit and market analysis, alongside the ability to leverage rating agency data and technical stress testing to build comprehensive credit views. You will also have the space to expand your expertise into Treasury ALM as part of our holistic approach to Treasury Risk Oversight. You’ll play a key role by… * Overseeing our growing Treasury investment portfolio and analysing wholesale credit risk via the regular monitoring of market and liquidity risks, alongside collateral performance monitoring. * Writing independent credit assessments for proposed counterparties and securitisations. * Conducting independent stress testing of ABS and CLO structures to evaluate portfolio resilience. * Representing 2LoD in investor roadshows with a view to better understanding collateral, structuring, and the inherent risks of securities. * Monitoring market trends and themes in wholesale credit markets and the wider macroeconomic environment, and raising emerging risks to the Treasury Markets team (a Bloomberg Professional license will be provided to assist you with this analysis). * Acting as a key contributor to the Wholesale Credit Risk Forum, where you will present a 2LoD view of the risk profile of the investment portfolio. * Reviewing monthly information submitted to ALCo packs and actively contributing 2LoD opinions on specific approval topics. * Playing a core role in the 2LoD oversight of new proposals put forward by Treasury Markets within a rapidly growing and ambitious environment. * Ensuring appropriate controls exist and are consistently monitored across all Treasury Dealing activities. * Developing an understanding of Treasury ALM (Asset Liability Management) in order to understand its strategic links to Treasury Markets activities, while providing support to ALM risk oversight. We’d love to hear from you if… * You have relevant experience gained within a bank, a consultancy, a credit rating agency, or a regulatory body. * You have a genuine desire to learn and grow, and you are excited about building enhanced 2LoD oversight within a dynamic, fast-paced environment. * You have a solid understanding of key asset classes that make up a Retail Bank’s treasury investment portfolio, such as Sovereign and Supranational debt, Covered Bonds, Asset Backed Securities (ABS), and Collateralised Loan Obligations (CLO). * You understand securitisations, including their structural features, underwriting processes, and standards, as well as how to stress test them * You can critically evaluate risk data, with familiarity handling investment prospectuses from security issuers and the ability to review credit rating agency reports to pick out, understand, and challenge key risks. * You possess knowledge of key market products, specifically those used across FX markets, repos, and interest rate derivatives. * You bring hands-on system and technical experience, which may include previous use of Bloomberg for pricing, liquidity, and credit analysis, exposure to a Trade Management System, and a working use of Python/SQL with the ability to develop reporting dashboards. * You are a good relationship builder who can develop productive working connections with 1LoD stakeholders across all levels of the business, whilst maintaining the ability to provide robust, informed challenge and review to ensure our safe growth * You understand prudential regulatory requirements, with a specific focus on the topics of liquidity and capital and how they impact a bank’s investment portfolio. Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! What’s in it for you * £63,800 - £80,650 + Incentive Awards tied to your performance benefits. * This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). * We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. * £1,000 learning budget each year to use on books, training courses and conferences. * We will set you up to work from home; all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup. * Plus lots more! Read our full list of benefits. The application journey has 4 key steps * Application * Recruiter call * Role specific interview * Values interview We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out! LinkedIn Tags: #LI-JK1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊