Job Title: Risk Pricing Manager – Multicar & Multi Product Location: Bexhill/Leicester/London/– Hybrid Welcome to Hastings Direct 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 pricing and data capabilities over the past few years, along with nurturing our 4Cs culture. We provide insurance for over four million customers, but we know there’s even bigger opportunity out there - our Pricing, Data and Analytics community value curiosity, collaboration and constructive challenge. We are always looking for new ideas and diverse perspectives to question established thinking and drive meaningful change. Great pricing is built on trust, innovation and precision, so our aim is to ensure customers receive a fair and accurate price based on their individual risk, supporting fair outcomes, while delivering sustainable and profitable growth for our company. Pricing is more than just a number - it’s a strategic capability. At the heart of Hastings is deep risk insight - continually improving how we assess, segment and price risk through data and analytics. Role Purpose This role is responsible for delivering profitable growth through the development and optimisation of risk pricing strategies, with a particular focus on multicar and multiple product households. You will play a key role in shaping pricing approaches that grow the multicar portfolio and increase product holdings within multiple product households. This supports stronger customer relationships, improved loyalty, and better claims outcomes, contributing to Hastings Direct’s broader strategic ambitions. Key Responsibilities Deliver profit and growth targets through effective development and optimisation of risk pricing models Manage and enhance multicar pricing, including oversight of net rate performance and strategic positioning Identify and deliver opportunities to grow the multicar book and increase product density across multiple product households Develop new insights through the integration of data, analytical techniques, and ways of working Continuously improve pricing models to expand competitive reach and address underperforming segments Lead and contribute to risk pricing projects that deliver value across the business Develop and enhance pricing tools, methodologies, and best practices Collaborate with cross-functional teams (e.g. underwriting, claims, marketing, data science) to align pricing with wider business strategy Support and develop team members through coaching, mentoring, and constructive peer review Communicate insights, recommendations, and performance clearly to a range of stakeholders Customer & Conduct Responsibilities Ensure customer outcomes are at the heart of pricing decisions, delivering fair and reasonable outcomes Actively question and challenge where processes, approaches, or decisions may not meet customer expectations Support a culture of accountability, transparency, and good customer conduct Complete all required regulatory and company training in line with FCA requirements Skills & Capabilities We encourage applications from individuals with a range of backgrounds and experiences. If this role interests you but you don’t meet every requirement, we’d still like to hear from you. Key Skills: Experience in pricing, analytics, or a related role within financial services or a similar data-driven environment Understanding of underwriting principles and risk-based decision making Desirable: Experience in personal lines insurance pricing, particularly motor or multicar portfolios Awareness of dynamics within multiple product households and cross-product customer behaviour Understanding of the UK insurance market and competitive landscape Interview Process: Recruiter screening call 1st Round – Intro call with Hiring manager 2nd Round – Case study round What we will give you: Join us and you’ll find a different way of doing things. We call it the 4Cs. We focus on getting it right for our colleagues, customers, company and community. As one of our colleagues, you’ll be helping to drive our growth, so in return, we’ll give you all the support, training and development you need. Not to mention plenty of recognition and rewards, and the scope to voice your ideas and put them into practice. As a Disability Confident employer, we’re committed to ensuring our recruitment processes are fully inclusive – what this means to you is if you’re applying for a job with us, you’ll have fair access to support and adjustments throughout your recruitment journey. We also welcome applications through the Disability Confident Scheme (DCS).For more information on the DCS, please visit our inclusive business page on our careers website Benefits: in addition to a competitive salary and £5k car allowance you will also receive… Flexible working – we champion a flexible hybrid working approach – please speak to your recruiter to discuss in more detail Competitive bonus scheme - all colleagues are eligible for our annual 4Cs performance bonus Physical wellbeing – as a Band 4 colleague, Hastings pay for you to receive private medical Insurance (also known as PMI). This gives you flexibility and convenience to see a specialist or consultant and allows you to decide when and where you will be seen Financial wellbeing – as well as providing you with 4x your salary with our life assurance cover, income protection at no extra cost, and matched pension contributions up to 10%, we are proud to provide you with an award winning package which includes – discounts, cashback, free independent mortgage advice and free access to financial wellbeing support Mental wellbeing programme – we have the thrive mental health app, our colleague assistance programme available 24/7, our own in-house mental health first aiders, support groups and a dedicated team to make sure we are covering your needs There's more! – 27 days annual leave + bank holidays, with the option to buy or sell one of your weeks, access to our health care cash back plans, dental plans, discounted health assessments, Cycle to work and tech schemes, discounted and free onsite facilities, social events throughout the year and much more …. Join us and you’ll find a different way of doing things. We call it the 4Cs. We focus on getting it right for our colleagues, customers, company and community. As one of our colleagues, you’ll be helping to drive our growth, so in return, we’ll give you all the support, training and development you need. Our 4Cs principles are simple: we believe by creating the right culture for our colleagues and giving them the right tools to do their job, we’ll deliver good outcomes for every customer, helping us to grow the company profitably and sustainably and allowing us to invest in the communities we serve. Hastings Group is an equal opportunities employer which means we treat people fairly. We welcome applications from all suitably skilled persons regardless of their gender, age, race, disability, ethnic background, religion/belief, sexual orientation, gender reassignment or marital/family status. Please also note that we have a thorough referencing process, which includes credit and criminal record checks. At Hastings Direct, we’re committed to creating an inclusive environment where everyone has the opportunity to succeed. If you require any reasonable adjustments during the recruitment process, we encourage you to be open with us. Our recruitment team is here to provide the support you need to ensure a fair and accessible experience for all. Job posting end date: Would you like to learn more about how we value diversity and inclusion at Hastings Direct and what our rewards and benefits package looks like? Are you interested in how we engage with and support our local communities and the wonderful wellbeing programme you will have access to? Click here and check out the what we offer tab to learn more. Hastings Direct is a fast growing, agile, digitally focused general insurance provider of products and services to over 4 million customers in the UK, employing over 4,600 colleagues. Our vision – to be the best and biggest digital insurance provider in the market. It's our attitude and the way we run our business that makes us different. We focus on getting it right for our colleagues, customers, company and community. It's a dynamic, flexible, fun and constantly changing environment. You'll enjoy the scope to make a real difference for our customers, influence our company, benefit the communities we work in and have fun along the way. If you enjoyed the video and would like to learn more about #LifatHD, check out our colleague stories

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