At a Glance
- Tasks: Drive commercial decisions using analytics and capital modelling in a dynamic energy company.
- Company: Join a family of brands revolutionising energy for a greener future.
- Benefits: Flexible rewards, hybrid working, and support for your well-being.
- Other info: Opportunity for rapid growth in a supportive, people-focused environment.
- Why this job: Make a real impact on sustainability while developing your skills in data science.
- Qualifications: Experience in capital modelling, strong Python skills, and a proactive mindset.
The predicted salary is between 60000 - 75000 £ per year.
Join us, be part of more. We're so much more than an energy company. We're a family of brands revolutionising how we power the planet. We're energisers. One team of 21,000 colleagues that's energising a greener, fairer future by creating an energy system that doesn't rely on fossil fuels, whilst living our powerful commitment to igniting positive change in our communities. Here, you can find more purpose, more passion, and more potential. That's why working here is #MoreThanACareer. We do energy differently - we do it all. We make it, store it, move it, sell it, and mend it.
We're looking for a Senior Capital Analyst / Data Scientist who wants to move beyond regulatory reporting and use analytics, automation, and modelling to drive real commercial and underwriting decisions across a business serving ~10 million customers. You'll sit at the intersection of capital, underwriting, and data science shaping how the capital model is used, building intelligent workflows, and turning complex signals into actionable insight for senior leaders.
Location: We offer a hybrid approach, with home working alongside time in our Windsor or London offices for team collaboration.
What you'll be doing:
- Capital model development & use-case expansion
- Enhance and evolve the capital model.
- Proactively identify new business use cases for capital outputs and embed them across the organisation.
- Bring stakeholders with you, improving decision quality and model adoption.
- Automation & trusted workflows
- Streamline and automate core processes - data ingestion, validation, run logging, results storage.
- Ensure outputs are reliable, reproducible, and ready for decision-making at pace.
- Underwriting performance & actionable insight
- Monitor underwriting performance and emerging trends (profitability, loss ratio drivers, etc.).
- Drive recommendations that influence pricing and underwriting decisions.
- Prioritise early trend detection over retrospective explanation.
- Best-in-class dashboards & visualisation
- Build and own clear, interactive dashboards and "what-if" tools.
- Make capital and underwriting insights easy to explore and hard to misinterpret using tools such as Plotly, Streamlit, or similar.
- Competitor & market intelligence (AI + analytics)
- Develop repeatable, AI-powered monitoring of competitor propositions, service levels, and customer sentiment (where appropriate).
- Deliver concise "what changed / so what / now what" updates that inform commercial and underwriting strategy.
Here's who we're looking for:
- Experience in capital modelling (ideally within insurance), with the ability to translate outputs into business decisions.
- Strong understanding of underwriting and portfolio performance, including how to investigate trends and recommend actions.
- Advanced Python capability (pandas, automation mindset) with experience building tools and workflows.
- Strong data visualisation skills, with a focus on clarity, usability, and impact.
- Ability to influence and communicate with senior stakeholders, confidently presenting insights and recommendations.
- A proactive mindset - someone who can spot opportunities, not just problems.
- Bonus experience: SQL (SQLite/Postgres), Experience using LLMs / AI workflows with appropriate controls and evaluation, Exposure to competitor intelligence or market analysis.
This role is ideal for you if you're looking to move beyond a purely technical or regulatory actuarial seat and into a position where your work genuinely influences business decisions. You'll have the opportunity to combine capital modelling with data science, automation, and commercial insight, giving you a far broader skillset than a traditional role. Rather than simply producing outputs, you'll own how those outputs are used - building tools, surfacing trends early, and shaping underwriting and pricing strategy in a visible way. If you enjoy working with data, creating intuitive solutions, and seeing your insights drive real action at scale, this role offers a unique platform to develop quickly while having meaningful impact across a large, customer-focused business.
Why should you apply? We're not a perfect place - but we're a people place. Our priority is supporting all of the different realities our people face. Life is about so much more than work. We get it. That's why we've designed our total rewards to give you the flexibility to choose what you need, when you need it, making sure that you and your family are supported not only financially, but physically and emotionally too.
If you're full of energy, fired up about sustainability, and ready to craft not only a better tomorrow, but a better you, then come and find your purpose in a team where your voice matters, your growth is non-negotiable, and your ambitions are our priority.
Senior Capital & Underwriting Analyst in Stoke-on-Trent employer: Centrica - CHP
Join a forward-thinking energy company that prioritises not just innovation in sustainable practices but also the well-being and growth of its employees. With a hybrid working model based in Windsor or London, you will be part of a collaborative team that values your insights and encourages professional development, all while making a meaningful impact on the future of energy. Here, you can expect a supportive work culture that offers flexibility, comprehensive rewards, and a commitment to igniting positive change in both your career and the communities we serve.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Capital & Underwriting Analyst in Stoke-on-Trent
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Centrica - CHP. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Capital & Underwriting Analyst in Stoke-on-Trent
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Centrica - CHP.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Centrica - CHP's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Centrica - CHP
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Centrica - CHP.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Centrica - CHP will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Centrica - CHP employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
