Yilin Wang

Technical pricing · Portfolio risk · Modelling

Pricing decisions,
engineered with clarity.

I turn complex insurance data into practical pricing action — combining actuarial judgement, robust modelling and clear commercial communication.

Explore my work

Profile

Analysis that travels
from model to market.

Technical Pricing Analyst with three years of personal-lines travel insurance experience across technical and retail risk pricing.

Skilled in preparing large datasets with Python, SAS and SQL, building and validating risk-cost models, monitoring portfolio performance, and translating complex findings into clear recommendations for stakeholders.

I bring together claims-cost performance, actual-versus-expected monitoring, loss-ratio analysis, frequency and severity, burn-cost modelling and commercial judgement.

Now

Completing an MSc in Actuarial Management at Bayes Business School, specialising in Reserving, Pricing and General Insurance.

Role-relevant expertise

  • Akur8 & Earnix
  • GLM & risk-cost modelling
  • Portfolio health & profitability
  • Pricing API design & testing
  • Emerging-trend analysis
  • Management information
  • Pricing implementation
  • Stakeholder influence

Experience

From evidence
to implemented change.

AllClear & InsureandGo Travel Insurance

Technical Pricing Analyst

—

01

Introduced a new rating factor end to end

Led a postcode-district income rating factor from concept and ONS data integration through validation and final pricing implementation, enabling more granular segmentation.

02

Built forward-looking portfolio insight

Analysed claims and portfolio performance through actual-versus-expected, loss ratio, frequency and severity measures to identify emerging experience and support pricing action.

03

Developed risk-cost models

Applied GLMs, Akur8 and actuarial judgement to model travel-insurance risk costs, validate outputs, select variables and challenge the plausibility of observed trends.

04

Turned data into market intelligence

Prepared and validated large policy, customer and claims datasets using SAS and SQL, and automated competitor-price collection in Python.

05

Balanced customer and commercial outcomes

Assessed a proposed policy-excess increase using burn cost, claim frequency, severity, loss ratio, conversion and retention while holding premium constant.

06

Delivered controlled pricing change

Managed pricing versions, rules and rate changes through Akur8 and Earnix, using Postman to test pricing APIs and validate delivery.

More experience highlights
  • Analysed medical and claims costs across European destinations, supporting the expansion of Annual Trip risk regions and evidence-based underwriting updates.
  • Produced segmented management information and presented profitability, customer impact and pricing trade-offs to senior management.
  • Delivered demand, conversion and customer-segmentation analysis for the ASDA Travel Insurance portfolio, informing premium changes and commercial recommendations.
  • Partnered with Claims, Underwriting, Product and IT/Change teams to turn analytical findings into implemented pricing and underwriting changes.

Education

Actuarial depth,
continually developed.

2025 — Present

Bayes Business School, City St George's

MSc in Actuarial Management

Specialising in Reserving, Pricing and General Insurance, with emphasis on claims-cost projection, uncertainty and commercially informed actuarial judgement.

  • Developed raw claims to ultimate and evaluated reserving and capital management using an insurer's Solvency and Financial Condition Report.
  • Developing a real-world account-pricing model using burn-cost and stochastic modelling techniques.
  • Designed an end-to-end Python and PostgreSQL data pipeline and relational model for approximately 20,000 package records.
2021 — 2022

University of Kent

Postgraduate Certificate in Actuarial Management

Coursework covered IFoA Core Principles and SP2, SP8 and SP9 specialist subjects, including insurance pricing, reserving and financial risk.

2018 — 2021

Queen Mary University of London

BSc Mathematics with Actuarial Science

Awarded IFoA exemptions in CM1, CM2, CS1, CS2, CB1 and CB2.

Skills

A practical toolkit
for better pricing.

01

Programming & data

  • Python
  • SQL
  • SAS Enterprise Guide
  • PostgreSQL
  • Excel
  • VS Code
  • Data preparation & validation
  • Screen scraping

02

Claims & pricing analytics

  • Generalised Linear Models
  • Risk-cost modelling
  • Claims-cost projection
  • Actual vs expected
  • Loss-ratio monitoring
  • Frequency & severity
  • Burn-cost modelling
  • Stochastic modelling

03

Pricing systems & delivery

  • Akur8
  • Earnix
  • Postman API testing
  • Pricing-version management
  • Rule deployment
  • Rate implementation
  • Model monitoring
  • Implementation validation

Beyond the models

Parkrun and half-marathon running — I like progress you can measure, whether it's portfolio performance or the next finish line.

Contact

Let's make the
complex clear.

Open to conversations about technical pricing, portfolio analytics and actuarial opportunities.

8wangyilin@gmail.com +44 7474 511549

Essex, United Kingdom