Principal Pricing Analyst

Location: Very flexible - we’re happy for folks to work WFH and lots of us do. We only ask that you come into our London office a couple of times a month for team strategy days and socials - but of course, you're more than welcome to come in as much as you like! (+ we’re working a 4 day work week - Fridays off!)

Contract: Permanent

About Cuvva

We’re on a mission to give everyone affordable access to a car anytime, anywhere. We offer short-term car insurance through our world-class app, creating truly flexible products that meet people’s real needs. Using lightning-fast technology to unlock better experiences and fairer prices for our customers, Cuvva is building the future of insurance every day. Cuvva was the first to sell hourly insurance via an app in the UK back in 2016. And we haven’t stopped innovating since. We’ve sold over 13 million policies, and supported over 1 million drivers and we’re just getting started. We’re a team of 100 people, passionate about solving our customers’ problems. Join us.

About the role

We’re looking for a commercially minded and technically skilled Principal Pricing Analyst to join our Pricing function at Cuvva. The Principal Pricing Analyst is a senior individual contributor role responsible for owning the pricing modelling framework, advancing the use of data science, AI and machine learning in pricing, setting pricing judgement and analytical standards, and delivering pricing recommendations across the business. Reporting directly to our Director of Pricing & BI, you’ll act as a trusted expert in pricing modelling and decision-making as Cuvva continues to evolve and scale. Pricing decisions increasingly sit at the intersection of revenue growth, risk management and regulatory scrutiny; this role exists to ensure those decisions are robust, analytically sound and commercially grounded.

You’ll operate as a key partner to stakeholders across Pricing, Underwriting, Product and the wider business, helping leaders make confident pricing decisions by bringing modelling and commercial insight into the discussion. You’ll be expected to present, influence and challenge constructively, supporting stakeholders to understand trade-offs and make clear calls on pricing strategy. You’ll lead complex pricing work end to end: defining problems, selecting modelling approaches, validating outputs, and translating results into clear recommendations. You’ll articulate trade-offs between growth, conversion and risk, and act as a stabilising technical and commercial authority within the pricing function.

On a day‑to‑day basis you’ll be:

• Owning data science‑led analytical and modelling approach for complex pricing problems, from problem definition through to recommendation and impact assessment.
• Building, assessing and evolving pricing models (e.g. GLMs, GAMs, GBMs or similar) with a focus on commercial relevance and sustainability, not just technical correctness.
• Leveraging AI and ML technologies and techniques to data mine, derive and deliver insights and elevate the Pricing function.
• Independently determining when modelling and analysis are robust enough to inform pricing decisions, and clearly articulating risks, limitations and trade‑offs.
• Translating model outputs into clear, actionable pricing recommendations linked to expected business impact (e.g. loss ratio, conversion, risk mix).
• Operating as the primary owner of pricing recommendations for assigned areas, operating with a high degree of autonomy and accountability.
• Partnering closely with stakeholders across Pricing, Underwriting, Product and the wider business to shape decisions through strong analytical insight.
• Communicating complex pricing concepts in a way that enables confident decision‑making at different levels of seniority.
• Setting and upholding high standards for pricing analysis, including documentation, validation, reproducibility and clarity of outputs.
• Identifying weaknesses or gaps in existing pricing approaches and recommending improvements to tooling, processes or methodology.
• Providing informal mentorship and guidance to other Analysts, helping raise the overall quality of analytical thinking across the team.
• Contributing to the evolution of pricing strategy by bringing deep analytical insight, market awareness and commercial judgement.
• Anticipating future pricing challenges as the business scales and proactively adapting analytical approaches to meet increasing complexity.

You’ll do great here if you:

• Have strong hands‑on experience in personal lines pricing (insurer or MGA).
• Are confident owning pricing changes end to end, from modelling through to recommendation.
• Have advanced proficiency in Python and/or R and SQL.
• Are comfortable selecting modelling approaches and making judgement calls, not just running analysis.
• Can clearly explain trade‑offs between growth, conversion and risk to non‑technical stakeholders.
• Enjoy working cross‑functionally and influencing decisions through evidence rather than hierarchy.
• Take pride in producing work that is decision‑ready, not just technically correct.

It’s a bonus if you:

• Have experience with pricing platforms such as Akur8, Radar/Emblem, Quantee or similar.
• Have worked in fast‑moving or lean insurance environments.
• Have exposure to experimentation or A/B testing in a pricing or underwriting context.
• Have experience translating analytical outputs into commercial strategy.

As well as a competitive salary (£90k‑£100k depending on experience), benefits of working at Cuvva include:

• Very flexible WFH set up, we only ask folks to come in a couple of times a month for team strategy days and socials - but of course, you're more than welcome to come in as much as you like!
• A four day work week (Fridays off!).
• Transparent salary model and bands for all roles.
• 20.5 days of holiday a year + public holidays - rising with each year at Cuvva.
• Quarterly team socials and company events.
• Private medical insurance with Bupa Health, WFH and wellbeing budget.
• Increases to all allowances year on year.
• Enhanced parental leave and pay.
• Cycle to work scheme.
• Mental Health and Coaching Support - We offer free and confidential access to comprehensive mental healthcare and coaching.
• Hundreds of perks and discounts with Perkbox.
• £100 a month towards your Cuvva car insurance.
• Referral bonus when you bring your friends to join the Cuvva team.

The hiring process:

• Initial chat with hiring manager (60m).
• Technical interview, take home task review & live Q&A (90m).
• Key stakeholder chat (45m).
• Founders chat with our CEO, Freddy (20m).

Important note on eligibility:

We’re really grateful for the interest we receive from candidates around the world. However, for this role we’re unable to offer visa sponsorship or transfers, so you’ll need to have the existing right to work in the UK.

Diversity, inclusion and belonging at Cuvva:

At Cuvva, we’re dedicated to building an environment where individuals from all walks of life feel a sense of belonging and have the support they need to thrive. To us, it’s crucial that our differences are embraced and celebrated - and that you’re able to bring your whole self to work every day. Research shows that men apply to jobs if they meet ~60% of criteria, but women and those in traditionally underrepresented groups tend to apply only if they check all the boxes. If you think you have what it takes but don't meet every single point above, please still get in touch. We’d love to chat and see if you could be a great fit.