Job Summary: The professional will drive strategic pricing decisions in Insurance by analyzing loss ratios and promoting business sustainability. Key Highlights: 1. Drive tactical and strategic pricing decisions 2. Conduct loss ratio estimations and monitor performance 3. Provide consultative support to Pricing, Modeling, Products, and Actuarial teams The team’s objective is to drive tactical and strategic pricing decisions for the Insurance Vertical. This involves conducting analyses and developing indicators that highlight impacts on loss ratios across Automobile, RE, and Life portfolios, guiding adjustments to models and pricing to ensure business sustainability and competitiveness. **Responsibilities and Duties** * Perform loss ratio estimations for the Auto Fleet portfolio; * Monitor portfolio performance through key indicators and analyze variances; * Provide consultative support in partnership with Pricing, Modeling, Products, and Actuarial teams to share analyses and studies conducted; * Verify and monitor automobile portfolio loadings. **Requirements and Qualifications** * Bachelor’s degree completed in Actuarial Science, Statistics, Mathematics, Engineering, Economics, or related fields; * Experience with the Auto Fleet product; * Proficiency in Microsoft Office Suite; * Knowledge of data analytics software for large-volume data analysis, e.g., Power BI, Looker, or similar; * Knowledge of programming languages for data manipulation, e.g., SQL and/or Python. **Additional Information** **BENEFITS** **Flexible Meal and Food Allowance;** **Health Insurance;** **Dental Insurance;** **Wellhub and TotalPass;** **Exclusive Bio Ritmo Gym for Employees:** located at the Headquarters Complex; **Profit Sharing Program (PLR);** **Stock Ownership Program: Porto em Ação:** complementary to PLR until 2025; **Sand Volleyball and Multipurpose Courts:** located at the Headquarters Complex; **Transportation Allowance;** **Van Transportation Services;** available at major access stations to Porto (Luz, Barra Funda, Santa Cecília, and Júlio Prestes); **Extended Parental Leave:** up to 40 days for all family configurations; **Extended Maternity Leave:** six months; **Medical Clinic with Specialties:** located at the Headquarters Complex and Barra Funda; **Childcare or Nanny Assistance;** **Life Insurance;** **Private Pension Plan – PortoPrev;** **Discounts on Products and Services;** **Scholarship Program: Reimbursement for undergraduate, postgraduate, or MBA studies;** **Monthly Running Events:** subsidy for major street races in São Paulo; **Language Reimbursement (English or Spanish);** **Porto Theater:** exclusive screenings for employees; **Library;** **Rest Room:** at the Headquarters Complex; **Game Room:** at the Headquarters Complex; **Massage and Podiatry Services:** at the Headquarters Complex; **Work Location:** Hybrid Porto is much more than an insurance company: it is a vast ecosystem leveraging technology to create solutions across four business verticals: **Porto Bank, Porto Saúde, Porto Seguro, and Porto Serviço**. Its reputation and recognition, built over more than seven decades, underscore Porto’s scale—a business reference made by and for people. Here, 13,000 employees proudly belong to a solid, ethical organization that transforms dreams into fantastic realities for over 15.8 million customers. Porto operates over 101 branches and regional offices nationwide. Learning is part of our DNA, and here you’ll find **incentives, tools, and supportive colleagues to learn and grow every day**, in an inclusive, safe environment where everyone can be themselves and take pride in who they are—promoting respect and **living holistically and well-being in a genuinely human company.** **DIVERSITY & INCLUSION AT PORTO** At Porto, we value diversity and believe a plural team is essential for the development of our entire business, society, and each individual—because we understand that every person is unique in building a more innovative and inclusive environment. Together, we work daily to build a safe, free, and welcoming space with greater plurality and respect. Therefore, we **strongly encourage applications from women, Black and Indigenous people, people with disabilities, and LGBTQIA+ individuals** for all our positions.