At a Glance
- Tasks: Drive commercial decisions using analytics, automation, and capital modelling.
- Company: Join Centrica, a family of brands revolutionising a greener future.
- Benefits: Hybrid working, competitive salary, and opportunities for professional growth.
- Other info: Dynamic role with the chance to influence strategy in a customer-focused environment.
- Why this job: Make a real impact on business decisions while developing your skills in data science.
- Qualifications: Experience in capital modelling and strong Python skills required.
The predicted salary is between 60000 - 75000 £ per year.
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.
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.
Senior Capital & Underwriting Analyst - Windsor in Luton employer: Centrica
At Centrica, we pride ourselves on being more than just an energy company; we are a family of brands dedicated to creating a cleaner, greener future. Our hybrid work model allows for flexibility while fostering collaboration in our Windsor and London offices, ensuring that every team member can contribute meaningfully to our mission. With a strong focus on employee growth, innovative projects, and a culture that values purpose-driven work, we empower our analysts to influence real business decisions and make a significant impact on the lives of millions of customers.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Capital & Underwriting Analyst - Windsor in Luton
✨Tip Number 1
Network like a pro! Reach out to current employees at Centrica on LinkedIn or through mutual connections. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for the interview by diving deep into Centrica's mission and values. Show us how your skills in capital modelling and data science align with our goal of energising a greener future.
✨Tip Number 3
Practice your storytelling! When discussing your past experiences, frame them in a way that highlights your proactive mindset and ability to influence decisions. We love candidates who can turn data into actionable insights.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team.
We think you need these skills to ace Senior Capital & Underwriting Analyst - Windsor in Luton
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Capital & Underwriting Analyst. Highlight your experience in capital modelling and data science, and don’t forget to showcase your Python skills. We want to see how you can bring value to our mission!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you're passionate about revolutionising a greener future and how your skills align with our goals. Be genuine and let your personality come through – we love seeing the real you!
Showcase Your Impact:When detailing your past experiences, focus on the impact you've made. Whether it's improving processes or driving insights, we want to know how your contributions have led to tangible results. Numbers and examples speak volumes!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity. Plus, it shows you’re keen to join our family at Centrica!
How to prepare for a job interview at Centrica
✨Know Your Capital Modelling Inside Out
Make sure you brush up on your capital modelling knowledge, especially within the insurance sector. Be ready to discuss how you've translated modelling outputs into actionable business decisions in the past. This will show that you understand the role's core requirements and can hit the ground running.
✨Show Off Your Data Visualisation Skills
Prepare to showcase your data visualisation abilities. Bring examples of dashboards or tools you've built, particularly using Plotly or Streamlit. Being able to present complex data clearly and effectively will demonstrate your capability to influence senior stakeholders with actionable insights.
✨Demonstrate Your Automation Mindset
Think about instances where you've streamlined processes through automation. Be ready to discuss your experience with Python and any relevant tools you've used to enhance workflows. This will highlight your proactive approach and ability to improve decision-making speed and quality.
✨Be Ready for Scenario-Based Questions
Expect questions that ask you to analyse trends or recommend actions based on hypothetical data scenarios. Practise articulating your thought process and how you would approach these situations. This will help you convey your analytical mindset and problem-solving skills effectively.
