Head of Retail Income Pricing

Are you a strategic pricing leader with a passion for shaping market‑leading retirement income products? We have an exciting opportunity to join our Retail Actuarial & Reinsurance team at a pivotal time for our business. In this role, you’ll take ownership of the end‑to‑end commercial pricing strategy for our Retail Income products — ensuring they’re robust, competitive and aligned to our wider financial objectives. Reporting directly to the Retail Actuarial & Reinsurance Director, you’ll combine technical excellence with commercial insight, while leading and developing a high‑performing, highly engaged team.

Key Responsibilities

• Leading on our Retail Income Pricing strategy, by developing and maintaining pricing data, models and processes, looking at ways to automate or improve efficiency either through AI or other means.
• Own the Retail Income pricing performance, making sure it’s robust and up‑to‑date, and supports the achievement of the function’s financial objectives.
• Identify and lead on initiatives to improve optimisation and conversion of our income products through pricing, working closely with commercial and distribution leads.
• Collaborate across the business, to ensure pricing initiatives and changes are implemented in a timely, accurate and efficient manner.
• Partner with the Retail Reinsurance team to ensure reinsurance is optimised for the pricing strategy.

Skills and Experience

• Qualified FIA, FFA or equivalent.
• Significant experience in the 'at or in retirement' market, focused on product development and pricing activities or managerial level experience gained within a UK life insurance company and/or consultancy.
• Proven experience of leading on pricing related projects or development projects or similar.
• Excellent verbal, written communication and interpersonal skills, with the ability to present complex financial concepts in a clear and concise manner.
• Excellent ability to lead and influence others.
• Strong strategic vision and development skills.
• Understanding of the competitive landscape (both distribution and product) of the retirement income and long term care market.
• Team player with focus on leadership by example and ability to work under pressure, in a fast moving environment, to tight deadlines.
• Self‑starter who is able to deliver with little help and guidance.

Our behaviours

At Just you’ll have the opportunity to develop your career, whilst making a difference to the lives of those around you. You’ll be part of a company with a strong and distinctive culture - we’re ambitious, curious and collaborative – and every decision we make centres around being Just and delivering the best outcomes for our customers.

What’s in it for you

• A competitive salary, pension scheme and life assurance.
• 25 days annual leave plus an additional day on us for your birthday.
• Private medical cover and income protection, just in case.
• A generous and highly achievable bonus scheme.
• Opportunities to progress your career in‑role and within the company.
• Free access to the Headspace app, 24/7 employee assistance helpline and trained physical and mental health first aiders.
• A variety of employee funded benefits available via our online benefits portal.
• Plus, several additional purchase options available for you and your loved ones.

Belonging at Just

Valuing diversity of thought and fostering a sense of belonging is critical to our business success, driving innovation and balanced decision making. Our work on DEIB (Diversity, Equity, Inclusion and Belonging) aims to deliver a brilliant employee experience underpinned by a sense of belonging, where our people feel proud to work at Just. We remain committed to our publicly disclosed HM Treasury Women in Finance Charter and Race at Work Charter targets and support a wide range of employee network and events, championing issues including intergenerational working, social mobility and neurodiversity.