Senior Actuary

• Support the Head of Balance Sheet & ALM Oversight in oversight of the Group’s balance sheets (Group and all UK legal entities) and delivery of the company’s long-term financial strategy , providing Line 2 advice, guidance and challenge to the business.
• Opine on material business decisions and assess whether key risks and trade‑offs have been considered appropriately. Line 2 opinions should consider the Group’s strategic objectives and balance commercial opportunities with risk implications.
• Support the development and maintenance of effective and efficient Line 2 risk oversight activities that are proportionate and risk-based, providing clarity to the business on requirements for risk identification, risk management, risk mitigation and performance against Standard Life’s risk appetite.
• Provide technical leadership and act as a positive role model within the team, helping to focus oversight on material risks and transactions; support effective team ways of working; and contribute to a culture of high performance, development and continuous improvement through constructive feedback, coaching and knowledge sharing.
• Influence and constructively challenge senior stakeholder decisions, drawing on internal relationships, cross‑functional networks, external market perspectives and relevant experience.
• Work independently to deliver clear, high-quality reports and materials for senior stakeholders.
• The successful candidate should lead by example, contribute positively to team culture and support wider team development through thought leadership, knowledge sharing and staying up to date with latest market practice.

Requirements

• Qualified actuary with significant experience in a life insurer, regulator, consultancy or reinsurer.
• In‑depth understanding of life insurance products (in particular PRT and annuities), regulatory frameworks (Solvency UK, IFRS 17, UK GAAP), and the principles of business planning, and balance sheet management and optimisation – including understanding of best market practice in key areas of oversight.
• Deep experience in the core technical areas of the role (i.e. Balance sheet modelling and analysis, solvency & liquidity analysis, asset‑liability management and hedging, Matching Adjustment and climate financial risks) and strong understanding of insurance, credit and market risks.
• Experience in financial risk oversight, including developing risk frameworks and setting risk appetite, with a focus on material risks and helping the business find solutions to strategic financial risk challenges that balance commercial outcomes and risk considerations.
• Proven ability to work across teams and support the delivery of enterprise‑wide change in a large, complex organisation.
• Experience working with board level and c‑suite through verbal and written communication and presentations, with the ability to distil complex technical analysis into clear, concise and decision‑ready insights for senior stakeholders.

Core Competencies

Demonstrates expertise in balance sheet management, financial risk oversight, and life insurance products, with a strong ability to influence senior stakeholders and deliver high-quality insights. Proven track record in developing risk frameworks and optimizing financial strategies within complex organisations.

Highest-signal resume keywords

• Qualified Actuary
• Balance Sheet Modelling
• Financial Risk Oversight
• Life Insurance Products
• Regulatory Frameworks

ATS Optimization Keywords

Hard Skills

• Balance Sheet Management
• Solvency Analysis
• Liquidity Analysis
• Asset‑Liability Management
• Hedging
• Matching Adjustment
• Climate Financial Risks
• Risk Framework Development
• Business Planning Principles
• Risk Appetite Setting

Soft Skills

• Influencing Stakeholders
• Team Leadership
• Coaching
• Communication
• Constructive Feedback

Industry Keywords

• PRT
• Annuities
• Solvency UK
• IFRS 17
• UK GAAP
• Insurance Risks
• Credit Risks
• Market Risks
• Enterprise‑Wide Change
• Complex Organizations