Sanjeev Yoganathan — Experience

Sep 2024 — Present

Zurich Insurance · London

Monitor portfolio performance across multiple lines of business, surfacing trends and actionable insight to optimise profitability.
Build and maintain portfolio dashboards that keep key metrics accurate and clear for stakeholders.
Partner with underwriting and actuarial teams to assess risk exposure and recommend strategic adjustments.
Turn data into process improvements that lift efficiency and data quality across portfolio operations.
Deliver reports and presentations to senior management, with recommendations on the key business challenges.
Support ad-hoc pricing and strategy analysis to enable data-backed decisions.

Dec 2022 — Oct 2023

Saga · London

Led a Motor pricing change end-to-end — analysis, proposal to the pricing committee, implementation and monitoring — contributing to a significant lift in annualised yield.
Built models in RADAR, including a GBM for the Travel retention model, and productionised the output for BAU processes.
Owned the monthly renewal process for the Travel product.
Led pricing initiatives: testing the removal of age as a rating factor, monitoring changing country mappings, and defect monitoring.
Owned the monthly Motor pricing rule management-information document.
Reconciled data through a system migration from SQL to Snowflake.
Fielded pricing queries from the operations team and regulators.

Mar 2019 — Dec 2022

Direct Line Group · Bromley

Delivered pricing elements of change, raising change frequency from ~150 to 200+ per year across five products.
Wrote test packs for complex pricing changes and owned the pricing specification spreadsheets.
Built scheme files for rate changes and validated testing results, investigating discrepancies.
Updated RADAR emulators and built Excel emulators to QA a range of products.
Worked with pricing, developers, underwriters and other stakeholders for accurate, efficient delivery.

Jan 2016 — Jan 2018

Government Actuary's Department · City of London

Worked across the Public Sector Pension Scheme, Actuarial Service and Insurance & Investment teams — including a three-month secondment to the Department for Education doing QA on the National Funding Formula.
Valued public sector pension schemes using Excel, SAS and SuperVal, running the end-to-end process 40% faster than average.
Supported sensitivity investigations, built testing macros, and wrote articles for the GAD newsletter.
Helped evaluate and tender new valuation software as part of a team.

Jun 2014 — Jun 2015

Friends Provident International · Dorking

Provided actuarial support to BAU processes and a finance transformation project.
Supported analysis-of-change work using MS Access, Excel and Prophet.
Completed a remediation project across 61 business-critical EUCs, with a macro that made it ~50% faster and far more accurate.

Sep 2012 — Jun 2014

Empire Estates · London

Advised prospective buyers in line with client objectives and resolved day-to-day queries.
Tracked local trends and demographics to guide clients, and led negotiations toward the best sale price.

Aug 2010 — Sep 2011

Admin Re · Hitchin

Calculated current and projected pension transfer values for a key insurer client, consistently beating the target of 20 cases a day.
Ran precise calculations from defined formulae in Excel and completed regulatory training in financial competence and data protection.
Liaised with other departments and qualified actuaries to resolve issues.

Turning messy data into clear decisions.