Head of Car Risk Pricing in England

Join to apply for the Head of Car Risk Pricing role at Hastings Direct. We’re a digital insurance provider with ambitious plans to become the best and biggest in the UK market. We have made huge investments in our pricing and data capabilities over the past few years, nurturing our 4Cs culture. We provide insurance for over four million customers, but we know there’s even bigger opportunity out there – our Pricing, Data and Analytics community values curiosity, collaboration and constructive challenge.

Great pricing is built on trust, innovation and precision, so our aim is to ensure customers receive a fair and accurate price based on their individual risk, supporting fair outcomes, while delivering sustainable and profitable growth for our company. Pricing is more than just a number – it’s a strategic capability. At the heart of Hastings is deep risk insight, continually improving how we assess, segment and price risk through data and analytics.

Role overview

As Head of Car Risk Pricing, you’ll shape and deliver our underwriting risk pricing strategy, ensuring profitable growth, fair value for customers and full regulatory compliance. You will be leading a high‑performing pricing function of senior managers, managers and analysts – combining insurance expertise with advanced analytics to achieve ambitious outcomes.

Skills we would like you to have

• Proven leadership experience running a pricing function in a fast‑paced trading environment; general insurance background desirable (motor preferred) but not essential.
• Strong technical expertise in pricing methodologies and analytics, with the ability to translate complex data and modelling outputs into actionable business strategies.
• Commercially driven, balancing competing demands to deliver business value in a dynamic market.
• Strategic thinker who sets a clear vision and delivers at pace; comfortable with test‑and‑learn and course correction.
• Excellent stakeholder management and communication skills across lean, agile organisations.

Experience we would like you to have

• Strategy & Delivery – Own and execute the end‑to‑end risk pricing strategy for car insurance, keeping ahead of market, technology, consumer and regulatory trends to ensure pricing decisions meet commercial objectives and deliver fair value and good customer outcomes.
• Leadership – Lead and develop a high‑performing team of pricing specialists, fostering a culture of collaboration, innovation and excellence. Build clear ownership, operating rhythm and talent pipelines to drive measurable outcomes.
• Throughput & Impact – Increase the cadence of price changes and clearly evidence value creation through improved loss ratios and competitive positioning. Communicate complex pricing insights and recommendations to senior stakeholders, influencing strategic decisions.
• Innovation & Infrastructure – Champion the use of advanced analytics and modern techniques to enhance pricing accuracy and efficiency. Modernise pricing infrastructure, processes and evaluation methods to identify and remove subsidies faster than competitors.

Benefits

• Flexible working – We champion a flexible hybrid working approach.
• Competitive bonus scheme – All colleagues are eligible for our annual 4Cs performance bonus.
• Physical wellbeing – Hastings pays for you to receive private medical insurance (PMI).
• Financial wellbeing – We provide 4 × your salary with life assurance cover, income protection at no extra cost and matched pension contributions up to 10%.
• Mental wellbeing programme – We provide the thrive mental health app, a colleague assistance programme available 24/7, in‑house mental health first aiders, support groups and a dedicated team to support your needs.

There are 27 days annual leave + bank holidays, with the option to buy or sell one of your weeks. Access to our health‑care cashback plans, dental plans, discounted health assessments, cycle‑to‑work and tech schemes, discounted and free onsite facilities, social events throughout the year and much more. Join us and experience a different way of doing things. We call it the 4Cs – we focus on getting it right for our colleagues, customers, company and community. As one of our colleagues, you’ll be helping to drive our growth, so in return, we’ll give you all the support, training and development you need.

Hastings Group is an equal opportunities employer which means we treat people fairly. We welcome applications from all suitably skilled persons regardless of their gender, age, race, disability, ethnic background, religion/belief, sexual orientation, gender reassignment or marital/family status.