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Actuarial Reserving Graduate – London
Welcome to Hastings Direct – from our Group HR Director Pam Angel
We’re a digital insurance provider with ambitious plans to become the best and biggest in the UK market. We’ve made huge investments in our data and tech capabilities over the past few years, along with nurturing our 4Cs culture. We’re proud of the journey we’re on as a company and know that our continued success will rely on the contribution of our talented colleagues. We provide insurance for over 4 million customers, but we know there’s even bigger opportunity out there.
The fact you’re now reading this job advert means we’ve tempted you to find out more about #lifeatHD – we really hope you like what you see, and you’ll join us to share in the success of the exciting chapter that lies ahead.
Role Overview
Start your career as an Actuarial Graduate in Reserving at Hastings Direct. We’re looking for a highly motivated and intellectually curious individual to join our Group Actuarial Function.
You will:
- Help estimate the cost of future claims for our Motor and Household insurance portfolios while developing strong actuarial and analytical skills.
- Support the production of monthly and quarterly reserving analyses, including:
- Maintaining claims development triangles
- Contributing to the estimation of IBNR and ultimate claims costs using actuarial techniques such as Chain Ladder and Bornhuetter-Ferguson
- Analyse and interpret trends in claims experience, working with large datasets through SQL to ensure robust and accurate outputs.
- Build and maintain reserving models and develop Python-based tools to enhance analysis and automate processes.
- Explore AI-enabled solutions and agent-based workflows to improve efficiency.
- Support capital reporting activities and develop an understanding of key capital drivers while collaborating closely with teams in Pricing, Underwriting, Claims, and Finance to deliver data-driven insights.
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In this role, there will also be exposure to the Solvency II (Solvency UK) requirements within the function.
Requirements
- A numerical or actuarial degree with first-class (or Predicted First Class) Honours
- High analytical ability and attention to detail
- Strong problem-solving skills
- Clear communication skills
- Understanding of actuarial concepts
- Experience in data analysis or coding, preferably in Python and SQL
- Interest in Python for modelling and automation
- Interest in AI and advanced analytics workflows
Upon application, you will be sent a link to complete some psychometric assessments through the Harver platform. Please complete these as soon as possible but before the closing date: 19th July 2026.
Reward
When you join Hastings Direct, you’ll be making a real contribution to our success. You deserve to share in that success, and we offer:
- Competitive and flexible salary
- Flexible Working – We champion a flexible and hybrid working approach within a reasonable commutable distance
- Discuss days in the office and at home with your recruiter
- Competitive Bonus Scheme (subject to company and personal performance)
- Healthcare cash plan and private medical insurance
- Pension match up to 10%
- Free Mortgage Advice
- Access to the Thrive mental health app
- Colleague assistance programme
- 25 days annual leave and social events throughout the year
Our 4Cs Principles
At Hastings Direct, our 4Cs principles guide us:
- Colleagues first – Creating a supportive culture for our team
- Customers come first – Always putting our customers’ needs at the forefront
- Commitment – Delivering consistent excellence in our services
- Community – Investing back into the communities we serve
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Our Commitment to Diversity and Inclusion
Hastings Group is an equal opportunities employer, treating people fairly and welcoming applications from all suitably skilled persons regardless of:
- Gender
- Age
- Race
- Disability
- Ethnic background
- Religion/belief
- Sexual orientation
- Gender reassignment
- Marital or family status
We also have a thorough referencing process, which includes credit and criminal record checks. We are committed to creating an inclusive environment, and if you require any reasonable adjustments during the recruitment process, we encourage you to share this with us.
Would you like to learn more about how we value diversity and inclusion, our rewards and benefits package, or how we engage with and support our local communities? Check out the what we offer tab to explore further.
About Hastings Direct
Fast-growing, agile, and digitally focused, Hastings Direct is a general insurance provider offering products and services to over 4 million customers in the UK, employing 4,600+ colleagues.
Vision: To be the best and biggest digital insurance provider in the market.
We focus on:
- Getting it right for our colleagues, customers, company, and community.
- Providing great products at the right price with a simple and straightforward service.
- Treating our customers fairly and respectfully with their best interests at heart.
You’ll enjoy scope to make a real difference for our customers, influence our company, benefit the communities you work in, and have fun along the way.
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