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

Guardian

Open Positions (1)

Data

Senior Analyst - Actuarial