Home Trading Lead

Job Introduction

** Remote/home working allowed with occasional visits to the Folkestone, Kent office so this role will suit candidates in a commutable distance **

With visits to the Folkestone office required so the role would suit those that are Kent and East Sussex based.

At Saga we believe in exceptional experiences everyday whilst being a driver for positive change in our markets and communities. Our values are precision pace, empathy, curiosity, collaboration. If this resonates with you then it’s time to do the best work of your life!

…And right now, we are looking for a Home Trading Lead to work in our Insurance part of the business at an exciting time in Saga’s history. As a Group, Saga is taking to the seas in our brand new, luxury cruise ships, leading the market with innovative insurance and financial products.  

You will be responsible for driving the trading performance of the Home Insurance products, you will play a key part in delivering Saga Services’ Home Insurance profit and volume targets. 

The role will involve forensically reviewing trading results and trends to understand performance, investigating material deviations to plan, and identifying opportunities to support volume growth and drive P&L performance as well as use and utilise both new and existing MI, customer insight and market trends to continuously test, develop and enhance the trading performance whilst ensuring that we deliver exceptional experiences for our customers. 

 You will bring strong data and analytical capabilities coupled with excellent stakeholder management skills to ensure we maintain strong and healthy relationships with our internal stakeholders. 

And in return, you can look forward to all the responsibility and involvement of an integral role, providing you with a rewarding and fast-paced career with an excellent benefits package. 

If this is of interest to you then we would be keen to hear from you!

Role Responsibility

Your top 6 responsibilities are: 

• To monitor and Analyse day to day trading performance for the Saga Home Insurance Product, closely monitoring product performance against plan targets – identifying root cause of any variance to plan from underlying drivers of performance and assessing the volume/P&L impact. 
• Plan, undertake and present product performance analysis with appropriate recommendations to improve product performance and customer satisfaction. 
• Assess and Analyse market and competitor information to provide valuable insights to help inform tactical and strategic decision making. 
• Identify, quantify, and execute creative new initiatives which will result in increased volume and/or value for the Motor Insurance P&L.  
• Collaborate with the Pricing and Commercial Teams to ensure that the panel pricing and revenue strategies support the development of compelling, competitive, and profitable propositions.  
• Work closely with Marketing Teams to develop customer volume plan and accompanying CPAs targets for both direct and PCW acquisition. 

The Ideal Candidate

Capability, Knowledge and Experience: 

• Previous P&L responsibility in a Financial Services Organisation or General Insurer would be advantageous. 
• Highly analytical and numerate – with the ability to identify and evaluate options to drive commercial benefit.  
• Good knowledge of general insurance products and practices. 
• Expert project manager – able to lead and manage multiple projects simultaneously including product development process, TCF process & product lifecycle. 
• Excellent personal communication and presentation skills - good interpersonal skills, particularly across departments. 
• Dedicated team management skills with the ability to work collaboratively across functions. 
• Ability to work under pressure and to tight deadlines. 
• Customer centric approach and methodology. 
• Dependable and reliable. 
• Team Player. 
• Advanced in Excel. 
• Experience in working with Tableau and/or similar software. 
• Experience of programming languages such as SQL, VBA, and R. 
• Familiarity with the general insurance market. 

Education and Qualifications: 

•   Graduate calibre, with demonstrable and relevant educational background or relevant professional qualification(s).   
• CIMA or MBA would be desirable but not essential.  

  Personal Characteristics: 

• Consistently challenges and raises the bar on business and employee performance. 
• Commercially minded, with a strong result led focus.  
• Strong decision maker with ability to exercise excellent judgement.  
• Demands a passion for the customer and instils a customer centric methodology throughout the organisation.  
• Clear customer brand focus that informs priorities and planning. 
• Passionate about delivering an incredible customer experience at every touch point. 

Our values are:

• Precision Pace - Always owning and making things happen
• Empathy – Always aware of others
• Curiosity – Always asking why
• Collaboration – Always one team, the Saga team!

Package Description

The standard benefits when you join Saga include: 

• Remote working available where possible

• The choice to buy a further 5 days annual leave per year 

• Free private medical insurance after 1 years' service 

• Workplace Pension 

• AXA Be Supported 

• A range of reductions and offers from leading retailers, travel groups and entertainment companies

About the Company

Having spent our first 30 years focused on travel, Saga launched Saga Magazine and developed home and motor insurance and financial services in the 1980s. Private medical and pet insurance followed in the 1990s, along with the launch of our own cruise ship operation. The strength of the Saga brand provides the Group with the ability to develop in-house or partner with suppliers to offer our customers and members highly differentiated, competitively priced products which meet their evolving needs.

Saga exists to help our customers and members lead the life they want to lead. To succeed in this, we know that the most important thing to do is to listen to our customers and members. At the heart of our business model is our drive to know more about our customers’ wants and needs so we are best placed to serve them.

Applying this approach over the past 70 years has enabled us to become the UK's specialist provider of products and services to people aged over 50 in the UK. The Saga brand has become one of the most recognised and trusted brands amongst UK consumers in this demographic and is recognised for its high quality products and exceptional standards of service. These include cruises and holidays, insurance, personal finance and the Saga Magazine.

When you join Saga you will see that we are committed to treating all employees fairly and to offering equal opportunities in all aspects of employment and advancement.

We value diversity not just because it is the right thing to do, but because diverse teams perform better. Creating a culture in which everyone feels welcome and offering equal opportunities in all aspects of employment and advancement is incredibly important to us. Fair consideration is given to applications from all applicants, including those with disabilities and those over who are over 50 as we are champions of age inclusivity.

We are an official Disability Confident Committed employer and ensure that our recruitment process is inclusive and accessible and we will make reasonable adjustments as required.

We are a member of the 30% Club and partner with Women Ahead which offers us a fantastic opportunity to take part in a leading, global, cross-company, leadership mentoring scheme to champion female talent.

We are a signatory of the Armed Services Covenant and have received a Silver Award from the Employer Recognition Scheme. 

To all recruitment agencies: Saga does not accept agency CVs unless specifically engaged on the role by the HR Recruitment Team. Please do not forward CVs to our recruiters, employees or any other company location. Saga is not responsible for any fees related to unsolicited CVs.

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