JOB DESCRIPTION:
- LiquidCapital is a well-established Financial Services Company based in Edenvale. We are seeking a Senior Manager: Quantitative Analytics to join our dynamic team.
The successful candidate will be responsible for:
- Leading advanced quantitative, financial and commercial analytics to support product strategy, pricing, profitability, forecasting and fund sustainability across LiquidCapital.
- Developing quantitative models, financial frameworks and analytical methodologies that enable the business to understand product economics, forecast performance, assess risk, optimise pricing and evaluate commercial viability.
- Providing analytical leadership across data preparation, model development, statistical analysis, forecasting, scenario modelling, financial evaluation, validation and communication of results.
- Leading and developing analysts while acting as a subject-matter expert to Finance / Actuarial Services, Product, Commercial, Operations and senior management.
DUTIES / KEY RESPONSIBILITIES:
QUANTITATIVE ANALYTICS & STATISTICAL MODELLING:
- Develop advanced quantitative and statistical models for strategic and commercial decision-making.
- Develop forecasts for revenue, claims, utilisation, costs, profitability and fund performance.
- Apply statistical methods to identify trends, relationships, drivers and emerging risks.
- Develop scenario, sensitivity and stress-testing models.
- Quantify the financial impact of pricing, product design, customer behaviour, claims experience and operating assumptions.
- Develop analytical frameworks where methodologies or historical data are insufficient.
- Continuously evaluate, document, validate and improve model methodologies, assumptions and performance.
- Translate complex quantitative analysis into clear commercial recommendations
PRODUCT ECONOMICS & COMMERCIAL MODELLING:
- Lead product economics, profitability and unit-economics modelling across products,channels, customer segments and propositions.
- Evaluate the commercial viability and financial sustainability of new products, propositions and ventures.
- Develop financial models incorporating revenue, pricing, claims, commissions, acquisition costs and operating expenses.
- Assess contribution, margin and profitability throughout the product lifecycle.
- Develop business cases and models for investment and strategic decisions.
- Assess alternative product structures, benefits, pricing and cost assumptions and provide quantitative input into product design.
PRICING & RISK ANALYTICS:
- Develop and maintain quantitative pricing methodologies for warranty, service, maintenance and other value-added products.
- Analyse claims frequency, severity, utilisation, duration and other risk factors.
- Develop risk-based pricing frameworks balancing risk, competitiveness, penetration and profitability.
- Perform pricing elasticity and sensitivity analysis and evaluate pricing changes, campaigns and promotions.
- Develop pricing models where historical experience may be limited and monitor actual versus expected performance.
- Recommend pricing actions that optimise profitability.
FUND ANALYTICS, FORECASTING & FINANCIAL PERFORMANCE
- Lead quantitative analysis of product and fund performance.
- Forecast fund income, claims, costs, utilisation and profitability and investigate actual-versus-expected variances.
- Develop fund budgets, financial forecasts and short-, medium- and long-term projections.
- Assess fund sustainability and quantify emerging claims, cost and financial risks.
- Prepare supporting analysis for external fund valuators, auditors and Fund Committees.
- Model alternative scenarios and identify risks to budgets and forecasts
DATA, SQL & ANALYTICS AUTOMATION
- Advanced SQL capability is essential. Develop and maintain complex SQL models and analytical datasets.
- Write scalable queries using advanced joins, CTEs, window functions, aggregations and transformations.
- Develop data models supporting product, pricing, financial and fund analytics.
- Validate data integrity, investigate anomalies and translate business requirements into robust analytical structures.
- Review, optimise and maintain SQL models and automate recurring analytical and reporting processes.
- Use Python, R or other analytical technologies where appropriate and partner with BI/Data teams to productionise solutions.
- Ensure analytical processes are efficient, scalable, documented and governed
PRODUCT PERFORMANCE & NEW VENTURES
- Develop frameworks to monitor sales, penetration, utilisation, claims, revenue, cost and profitability.
- Identify drivers of performance and quantify improvement opportunities across products, segments and channels.
- Monitor results against plans, budgets and strategic targets and recommend actions.
- Develop financial and quantitative models for new ventures, including revenue, cost, investment, break-even, sensitivity and scenario analysis.
- Assess unit economics, scalability, risks and potential returns and support investment and go/no-go decisions.
LEADERSHIP & STRATEGIC ADVISORY
- Lead, manage and develop a team of analysts.
- Provide technical guidance on quantitative modelling, statistics, SQL, financial modelling and analytics.
- Review analytical outputs for accuracy, quality and commercial relevance and establish standards and best practices.
- Allocate work, coach team members and build a high-performance analytical culture.
- Act as quantitative subject-matter expert to senior management and Exco.
- Translate strategic questions into analytical frameworks, challenge assumptions and influence decisions through evidence.
- Partner with Finance / Actuarial Services, Product, Operations, Risk, Sales and Commercial teams