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Job Summary: Join the Demand and Market Modeling team within the Analytics Auto Directorate, developing and applying predictive models and performing data analysis to support pricing decisions. Key Highlights: 1. Predictive modeling for demand and the insurance market. 2. Detailed statistical analysis for pricing insights. 3. Technical support to junior analysts and data scientists. We believe in the dream of building the **best insurance group**, and we value collaboration, creative and transparent problem-solving—ensuring these values are reflected in our products, services, and new partnerships. **Here, we care personally.** This is our mantra, defining the essence of everything we do and value—both inside and outside our offices. In this role, you will join the **Demand and Market Modeling** team within the **Analytics Auto** Directorate—the area responsible for data analysis and development of individual auto demand and market models at HDI Group. **Responsibilities and Duties** **Your day-to-day will include:** * **Demand Modeling:** Develop and apply predictive models to estimate the probability of policy issuance. * **Market Modeling:** Develop and apply predictive models to estimate key insurance market rates. * **Data Analysis:** Perform detailed statistical analyses and process large volumes of data to extract insights supporting pricing decisions. * **Pricing Team Support:** Provide data-driven information and recommendations to guide product pricing—adjusting tariffs and parameters to improve competitiveness and profitability. * **Performance Monitoring:** Track model performance and assess the optimal timing for adjustments or updates. * **Rate and Elasticity Models:** Apply price elasticity models and evaluate consumer sensitivity to changes in insurance premiums. * **Report and Presentation Creation:** Prepare detailed reports and presentations on demand modeling results for executive and product teams. * **Model Implementation:** Translate models into executable formats compatible with operational tools and convert them into programming code. * **Variable Clustering:** Develop strategic variable groupings using clustering techniques to ensure model and process parsimony. * **Machine Learning Techniques:** Apply advanced methods to achieve optimal estimates for our models. **Requirements and Qualifications** **Basic requirements include:** * Bachelor’s degree in Actuarial Science, Statistics, Mathematics, Computer Science, Economics, or related field. * Experience in the insurance or finance sector, including application of analytical techniques and predictive modeling. * Advanced proficiency in at least one data science programming language (e.g., Python, R, SQL, SAS), with a strong interest in continuous learning. * Proficiency in querying and manipulating databases for model construction, validation, and monitoring. * Familiarity with Earnix, Emblem, AWS/SageMaker, or similar tools. * Strong communication skills to clearly and persuasively present complex results. * Analytical mindset, attention to detail, and ability to work independently in a dynamic environment. * Experience collaborating with cross-functional teams and building solid interpersonal relationships. * Ability to lead projects and maintain a holistic view of the entire pricing engine. * Support the technical development of more junior analysts and data scientists by promoting knowledge sharing, code reviews, and learning sessions. * · **Additional Information** At the **HDI GROUP**, our daily schedule offers flexible working hours. We promote health and quality of life through medical and dental assistance, Wellhub (Gympass), and other benefits such as transportation allowance or shuttle service, meal vouchers, food vouchers, private pension plan, profit-sharing (PLR), birthday day off, HDI Group product discounts, childcare or nursery allowance, life insurance, and much more!!! So, are you ready? **\#LetsGoTogether?** With a **global presence and over 100 years of history**, HDI GROUP is part of the German **Talanx** Group—one of Europe’s largest insurance conglomerates. We operate in over 175 countries, delivering protection, innovation, and trust to millions of customers worldwide. **In Brazil**, our journey began in **1979**, and since then we have grown steadily. Today, **we are one of the country’s leading insurers**, recognized for our service quality, constant innovation, and people-centric culture. **We believe a truly innovative environment is only possible when every voice is heard.** That’s why we are strongly committed to diversity and inclusion—implementing initiatives that guarantee equitable opportunities and a safe space for everyone. We want to be a place where all individuals can proudly be their authentic selves. **Here, we care personally!** This is our purpose—defining the essence of everything we do and value, both inside and outside our offices. #### **Our values are:** Trust-based Relationships Making Things Happen Moving Forward Together Ambition to Go Beyond Simplifying Solutions **This is how we work!** **Do you identify with us? Join our team and** **\#LetsGoTogether.**
