Job Description:
Position Objective and Responsibilities
The candidate will be a key member of the Guardian India Actuarial Team, with ongoing partnership and support to the Strategic Initiatives and Inforce Management Team.
Key Responsibilities include:
Experience Studies
- Lead and review mortality, persistency, and surrender experience studies for life and annuity products.
- Design, enhance, and maintain repeatable analytical tools to improve efficiency, transparency, and controls in experience studies.
- Perform detailed data validation, reconciliation, and diagnostics to ensure high-quality inputs for actuarial analysis and assumption setting.
- Translate experience study results into clear insights and recommendations for stakeholders.
Data Analytics & Reporting
- Work on the monthly, quarterly, and annual experience monitoring reports for business partners.
- Identify trends, emerging risks, and anomalies in business performance and proactively communicate findings.
- Drive automation and simplification of recurring reports, reducing manual effort and increasing timeliness and accuracy.
Assumption Setting & Governance
- Develop and maintain best-estimate assumptions for actuarial models using company experience, industry studies, and external research.
- Partner with pricing, valuation, risk, and finance teams to ensure assumptions are consistent, appropriate, and well understood.
Underwriting & Reinsurance Support
- Perform protective value and underwriting impact studies to quantify the financial implications of changes in underwriting rules or practices.
Quality & Continuous Improvement
- Act as a technical resource.
- Proactively identify opportunities to improve data quality, analytical rigor, and process efficiency.
- Build and maintain strong, collaborative relationships with business partners
- Consistently demonstrate Guardian’s Core Values by acting with integrity, holding high professional standards, and delivering long-term business value.
Skills, Knowledge, and Behaviors
- Advanced proficiency in MS Excel, including complex formulas, controls, and model design.
- Strong hands-on experience with actuarial and analytical tools such as VBA, SQL/MS Access, Python,
- Strong understanding of life insurance and annuity products, experience analysis, and assumption development.
- Excellent analytical, problem-solving, and critical-thinking skills with the ability to interpret complex results.
- Ability to clearly communicate technical concepts to non-technical stakeholders.
- Proven capability to manage priorities.
- Demonstrated mindset of continuous improvement, automation, and efficiency gains.
- High level of professionalism, accountability, and alignment with organizational values.
Education and Experience
- 2-3 years of progressive experience in actuarial roles, preferably within life insurance.
- 4+ actuarial exams (CM1 & CS1 is preferable)
- Strong practical experience in experience studies, data analytics and assumption setting.
- Bachelor’s degree.
Location:
This position can be based in any of the following locations:
Gurgaon
Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday