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 excellent career development opportunities 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 Northolt 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 feels valued and empowered. With a strong focus on employee growth, innovative projects, and a culture driven by purpose, we offer a unique opportunity for the Senior Capital & Underwriting Analyst to make a significant impact in shaping our capital model and influencing business decisions.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Capital & Underwriting Analyst - Windsor in Northolt
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at Centrica. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for interviews by diving deep into the company’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
Don’t just talk about your experience; bring it to life! Use real examples of how you've influenced business decisions through analytics and automation. We love seeing actionable insights in action!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows us you’re genuinely interested in being part of our mission-driven team.
We think you need these skills to ace Senior Capital & Underwriting Analyst - Windsor in Northolt
Some tips for your application 🫡
Show Your Passion:When writing your application, let your enthusiasm for the role and our mission shine through. We want to see how you connect with our purpose of creating a greener future and how your skills can contribute to that vision.
Tailor Your CV:Make sure your CV is tailored to highlight your experience in capital modelling and data science. Use specific examples that demonstrate your ability to influence business decisions and drive insights, just like we do at Centrica.
Be Clear and Concise:In your written application, clarity is key! Use straightforward language and avoid jargon where possible. We appreciate well-structured applications that make it easy for us to see your qualifications and fit for the role.
Apply Through Our Website:Don’t forget to apply 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 serious about joining our team!
How to prepare for a job interview at Centrica
✨Know Your Capital Models
Make sure you brush up on your knowledge of capital modelling, especially within the insurance sector. Be ready to discuss how you've used analytics to influence business decisions in the past. This will show that you understand the role's core responsibilities and can hit the ground running.
✨Showcase Your Automation Skills
Prepare examples of how you've streamlined processes using Python or other tools. Highlight any automation projects you've led, focusing on how they improved efficiency and decision-making. This will demonstrate your proactive mindset and ability to drive real change.
✨Visualisation is Key
Familiarise yourself with data visualisation tools like Plotly or Streamlit. Be ready to discuss how you've created dashboards that make complex data easy to understand. This will help you convey your insights effectively to senior stakeholders, which is crucial for this role.
✨Stay Ahead of Market Trends
Research current trends in the energy sector and competitor strategies. Prepare to discuss how you would use AI and analytics to monitor these trends and inform underwriting decisions. Showing that you can think strategically about market intelligence will set you apart from other candidates.
