Claims Insight Lead

About The Role

We’re looking for a Claims Insight Lead to join our Insurance Risk team, based in our London office, to play a pivotal role in reducing motor claims costs and improving road safety through insight‑led decision making.

This is a senior analytical role with real influence. You’ll take ownership of our insurance claims data, bringing clarity, structure and insight to a complex and high‑value area of the business. Your work will directly inform strategy, supplier management, and operational change.

You’ll be responsible for:

• Taking control of large, complex motor insurance claims datasets and turning them into clear, insightful management information (MI)
• Identifying trends, drivers and root causes of claims cost and frequency
• Producing actionable insights and recommendations that help reduce claims spend and improve outcomes
• Developing and maintaining high-quality dashboards, reports and presentations for senior stakeholders
• Working closely with colleagues across Insurance, Asset Risk, Operations, Finance and external suppliers to drive evidence‑based decisions
• Raising the standard of claims insight across the organisation, moving from descriptive reporting to predictive and diagnostic analysis

This role is not about actuarial pricing work – it’s about deep claims understanding, data mining, storytelling with data and influencing change.

We’re looking for someone who combines motor insurance expertise with strong analytical capability.

You’ll likely bring:

• Proven experience in motor insurance, ideally with a strong focus on claims (insurer, broker, MGA, TPA or large fleet environment)
• A background in analytical roles, such as claims analytics, MI, insight or performance analysis
• Advanced skills in data analysis and reporting tools (e.g. SQL, Excel, Power BI, Tableau or similar)
• Strong data mining and problem‑solving skills, with the ability and the curiosity to spot patterns others miss
• Excellent communication skills – able to translate complex analysis into clear, compelling insights for non‑technical audiences
• Confidence working with senior stakeholders and influencing decisions through evidence
• A pragmatic, commercially minded approach and a desire to make a measurable impact

You do not need to be an actuary, but you do need to be comfortable working with large datasets and using data to drive better outcomes.

A relevant numerical degree and experience in producing powerful analysis in an automotive insurance environment.

Excellent PC skills including advanced Excel, and experience working with large data sets.

• Manages the financial risk around insurance in MO
• Conducts actuarial pricing analysis in support of our relationship with our insurance partner and with reinsurers
• Carries out quarterly actuarial reserving reviews as a key input to the financial and underwriting outlook for our captive reinsurance entity MORL
• Supports actuarial inputs to the MO Group capital model
• Conducts analysis of the price and performance of MO’s /MORL’s reinsurance programmes
• Calculates insurance costs as an input to Motability scheme lease pricing

Motability Operations is a unique organisation, virtually one of a kind. We combine a strong sense of purpose with a real commercial edge to ensure we provide the best possible worry‑free mobility solutions to over 860,000 customers and their families across the UK. Customers exchange their higher rate mobility allowance to lease a range of affordable vehicles (cars, wheelchair accessible vehicles, scooters, and powered wheelchairs) with insurance, maintenance and breakdown assistance included.

We are the largest car fleet operator in the UK (purchasing around 10% of all the new cars sold in the UK) and work with a network of around 5,000 car dealers and all the major manufacturers. We pride ourselves on delivering outstanding customer service, achieving an independently verified customer satisfaction rating of 9.8 out of 10.

Our values are at the heart of everything we do. They represent ambition, and we look for our people to live and breathe them every day:

• We find solutions
• We drive change
• We care

We operate…