Senior Capital & Underwriting Analyst in London

We are Centrica! We’re so much more than an energy company. We’re a family of brands revolutionising a cleaner, greener future. Working here is #MoreThanACareer - we’re powered by purpose. Together we can make an impact that will truly change tomorrow. Whether you’re developing cutting-edge green tech, helping customers on the front line or simplifying operations behind the scenes. Your work here isn’t just a job – it’s a mission. We all play a vital role in energising a greener, fairer future.

About your role: This is a high‑impact, highly technical role for a capital analyst or data scientist who wants to go far beyond regulatory calculation. You’ll use modelling, automation, and analytics to shape real commercial and underwriting decisions across Centrica Home.

You’ll expand how the capital model is used across the business, automate trusted end‑to‑end workflows, build intuitive interactive dashboards (Python/pandas, Streamlit/Plotly), detect performance trends early, and translate insights into clear underwriting actions. You’ll also design repeatable AI‑enabled competitor monitoring, turning complex signals into crisp, actionable recommendations for senior leaders, with impact at scale across ~10 million customers.

Responsibilities of the role:

• 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 what we’re looking for:

• Capital modelling experience, ideally within insurance, with a track record of turning capital outputs into business decisions.
• Strong understanding of underwriting performance, including how to investigate movements and recommend actions.
• Excellent communication and persuasion skills, able to present clearly to senior stakeholders, handle challenge, and land decisions with a structured narrative.
• Advanced dashboarding and visualisation capability, creating tools that make complex information simple, intuitive, and actionable.
• Strong Python skills (pandas, Streamlit, automation mindset) - using technology to make insight faster, clearer, and more scalable.
• Bonus skills: SQL (SQLite/Postgres), practical LLM workflows with evaluation/guardrails, competitor intelligence experience.

Why should you apply? We’re not a perfect place, 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.