Lead Insurance Pricing Analyst

Were on a mission to make money work for everyone.

Were waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card our product offering has grown a lot in the last 10 years in the UK. As well aspersonal and business bank accounts we offer joint accounts accounts for 16-17 year olds a free kids account and credit cards in the UK with more exciting things to come beyond. Our UK customers can also save invest andcombine their pensions with us.

With our hot coral cards and get-paid-early feature combined with financial education on social media and our award winning customer service we have a long history of creating magical moments for our customers!

Were not about selling products - we want to solve problems and change lives through Monzo

London (UK) Incentive Awards tied to your performance benefits

About the Insurance Team:

Were building insurance that actually works for people no jargon no faff no feeling like youre being caught out.

Our mission is to offer simple reliable and delightful insurance products that meet real-life needs backed by great underwriting and claims partners to power seamless internal operations and exceptional customer experiences.

Were scaling our first product line Home insurance with plans to expand into additional insurance categories over the coming years. Were a focused team with ambitious growth targets and a chance to build something special from the ground up.

About the Role:

Were looking for a Lead Insurance Pricing Analyst to help us better understand and improve the performance of Monzos insurance pricing.

This role sits at the intersection of data pricing and growth. Youll be responsible for understanding how our prices perform in market why and where changes may be needed - from day-to-day optimisation through to longer-term pricing strategy.

This role will help Monzo bring stronger customer conversion and market insight into pricing discussions so we can better understand where we should be competitive which customer segments we want to grow and how pricing changes could support both growth and loss performance - while working in partnership with our insurer who owns the pricing decisions and risk selection.

Youll work closely with our insurance partner data scientists and product teams to turn pricing risk and loss data into clear actionable recommendations - particularly as we scale our distribution channels including on price comparison websites (PCWs).

Youll play a key role by

• Building and maintaining a clear view of day-to-day pricing performance - understanding where we sit in the market and why
• Analysing pricing conversion claims and loss ratio data to identify opportunities to improve growth and profitability
• Running and supporting pricing experiments (e.g. segment-level changes elasticity testing) including on PCWs
• Refining pricing segments rating factors and tiering to improve decision quality
• Working with our insurer to evaluate pricing opportunities assumptions and trade-offs bringing the Monzo customer conversion and market insight lens
• Building a clear view of price competitiveness especially on PCWs and recommending actions to improve rank and conversion
• Working with Data Science to deepen analysis while independently driving core pricing work
• Helping develop our internal pricing capability - including frameworks datasets and ways of working

Wed love to hear from you if

• You have experience in insurance pricing risk modelling or data science - ideally UK Home or another personal lines product
• You are highly analytical and hands-on with data comfortable running pricing experiments (e.g. elasticity testing) and using conversion loss ratio and risk data to drive actionable decisions
• You have enough underwriting and pricing knowledge to assess pricing assumptions rating factors and trade-offs using data
• You have a solid grounding in SQL and experience with Data Analysis tools such as Python Jupyter Looker or similar

Nice to have (but not essential):

• Youve worked in a digital-first insurer insurtech or high-growth product-led environment
• You have experience with PCWs or other highly price-sensitive distribution channels
• Familiarity with underwriting concepts and insurer-led pricing discussions

Whats in it for you

Salary is 85000 - 138000 depending on experience

This role will be based out of our London office next to Liverpool Street station - in a hybrid way of working between the office and home

We offer flexible working hours and trust you to work enough hours to do your job well and at times that suit you and your team.

26 days holiday (plus bank holidays)

Private medical insurance with WPA

1000 learning budget each year to use on books training courses and conferences.

We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

Plus lots more! Read our full list of benefits.

#LI-REMOTE #LI-NJ1

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

Were an equal opportunity employer. All applicants will be considered for employment without attention to age ethnicity religion sex sexual orientation gender identity family or parental status national origin or veteran neurodiversity or disability status.

If you have a preferred name please use it to apply. We dont need full or birth names at application stage