AM - Experience Study

Prudential's purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people's career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed.

Support Experience Study function within in Actuarial department and support any project or ad-hoc company task.

Principle Duties & Responsibilities:

• Lead health analytics initiatives, including claims analysis, morbidity studies, and cost trend evaluations. Provide technical insights into the company's claim cost containment initiatives.
• Develop and maintain models to support claim projection, trend identification, pricing, product design, and portfolio management.
• Collaborate with actuaries, underwriters, product managers, and data scientists to enhance health risk assessment and product competitiveness.
• Analyze and interpret health insurance data from Indonesia, including BPJS Kesehatan and private health schemes.
• Monitor regulatory developments and market trends impacting health insurance in Indonesia.
• Present insights and recommendations to senior management and cross-functional teams.
• Managing Health related reporting including loss ratio, combined ratio, claim variance etc.
• Mentor junior analysts and contribute to building a data-driven culture within the department.

Job Specification:

Qualification and experience

• Bachelor's or Master's degree in Data Science, Public Health, Actuarial Science, Statistics, Economics, or a related field.
• 5-8 years of experience in health analytics, preferably within insurance, healthcare, or consulting.
• Strong understanding of the Indonesian health insurance landscape.
• Proficiency in analytical tools such as SQL, Python, R, or SAS.
• Excellent communication skills and ability to translate complex data into actionable insights.
• Experience working in cross-functional teams and managing stakeholders.
• Leadership and people management capability
• Able to provide effective coaching and development for team members
• Effective communicator (oral and written)
• Fluent in English

Preferred skills

• Familiarity with actuarial concepts and insurance product structures.
• Experience with predictive modeling, machine learning, or health economics.
• Knowledge of regulatory frameworks and healthcare financing in Indonesia.
• Exposure to digital health platforms, telemedicine, or health tech innovations.

Autonomy

Collaboration within Actuarial team and with both local and Group Health pillars to enhance the company's understanding of health claim history as well as future trend. Lead and conduct actuarial analysis to inform management for sound business decisions. Manage and coach junior members of the team.

Problem Complexity

Monitoring the company's health portfolio claim on a monthly basis. Being a reliable partner in providing health claim related insights to other business processes including forecasting and planning. Business partnering with other functions to support their respective targets.

Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.