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Actuary Graduate
Actuarial Reserving Graduate
Location: London
A message 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. The function includes both Reserving and Capital Modelling teams, providing exposure to Solvency UK requirements.
In this role, you will:
- 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 established actuarial techniques such as:
- Chain Ladder
- Bornhuetter-Ferguson
- Analyse and interpret trends in claims experience using large datasets through SQL to ensure robust and accurate outputs
- Help build and maintain reserving models
- Develop Python-based tools to enhance analysis and automate processes
- Explore AI-enabled solutions and agent-based workflows to improve efficiency and insight generation
- Support capital reporting activities
- Collaborate closely with teams across Pricing, Underwriting, Claims, and Finance to deliver joined-up, data-driven insights
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Requirements
- A numerical or actuarial degree with first-class honours (or predicted first-class)
- 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 (for modelling and automation)
- SQL
- Interest in AI and advanced analytics workflows
Upon application, you will be sent a link to complete some psychometric assessments through Harver. Please complete these as soon as possible but before the closing date: 19th July 2026.
Reward & Benefits
When you join Hastings Direct, you’ll be making a real contribution to our success. Here’s what we offer:
- Flexible Working: Hybrid approach with reasonable commutable hours
- Competitive Bonus Scheme (based on company and personal performance)
- Healthcare cash plan and private medical insurance
- Pension matching up to 10%
- Free Mortgage Advice
- Access to the Thrive mental health app
- Colleague Assistance Programme
- 25 days annual leave + social events
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Our 4Cs principles are simple: we believe by creating the right culture for colleagues and equipping them to succeed, we create excellent outcomes for our customers, drive profitable growth, and turn our purpose into results. We always treat customers fairly, with respect, and with their best interests at heart.
Why Join Hastings Direct?
- Inspiring vision: To be the best and biggest digital insurance provider.
- Culture could not be more dynamic, flexible, fun, or constantly changing.
- Direct minimum: You’ll enjoy scope to make a real difference for our customers, influence our company, benefit our communities, and have fun along the way.
For more details on #LifaHD, explore our colleague stories.
Diversity & Inclusion
Hastings Group is an equal opportunities employer — we treat people fairly and welcome applications from all suitably skilled persons regardless of gender, age, race, disability, ethnic background, religion/belief, sexual orientation, gender reassignment, or marital/family status.
We conduct thorough referencing processes which include credit and criminal record checks.
We’re committed to creating an inclusive environment where everyone can thrive. If you need reasonable adjustments during recruitment, please be open with us. Our recruitment team will ensure a fair and accessible experience.
Job Posting Ends: 20th July 2026
For more details on our diversity and inclusion initiatives, and our rewards & benefits, visit our ‘what we offer’ tab.
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