Senior Data Scientist - TPL Insurance

TPL Insurance is seeking a Senior Data Scientist to join their team in Karachi. This role focuses on leveraging data science to drive smarter decision-making and improve customer outcomes within the insurance sector. The successful candidate will design and implement advanced analytics, machine learning, and optimization models to support pricing, risk assessment, underwriting, and portfolio management. Working closely with business owners, underwriting, product teams, and external partners, the Senior Data Scientist will translate complex insurance data into actionable insights that enhance both commercial performance and customer experience. This is a hands-on role that involves end-to-end model development, deployment, and ongoing monitoring.

Key Responsibilities

- Develop insurance models using statistical methods, Generalized Linear Models (GLMs), and machine learning techniques for pricing, risk segmentation, and claims analysis.
- Analyze portfolio performance metrics such as premiums, exposures, claims, loss ratios, and customer segments to identify risks and recommend strategic actions.
- Manage data preparation and quality by sourcing, reconciling, and documenting datasets with clear definitions and controls.
- Rigorously validate models to prevent data leakage, test across different time periods, and clearly communicate assumptions and limitations.
- Deliver models into production through reproducible pipelines, version control, deployment, and continuous performance monitoring.
- Support product and distribution strategies by evaluating metrics like conversion rates, renewals, and customer retention, balancing growth with portfolio health.
- Apply Responsible AI principles to ensure model explainability, fairness, privacy, and compliance with internal review processes.
- Effectively communicate insights to both technical and business audiences, mentor junior team members, and contribute to building organizational data science capabilities.

Required Qualifications

- 5 to 7 years of experience in Data Science, Advanced Analytics, Statistical Modeling, or Machine Learning, preferably with exposure to insurance analytics.
- Bachelor’s or Master’s degree in Data Science, Statistics, Mathematics, Actuarial Science, Computer Science, Economics, or a related quantitative field.
- Proficiency in Python or R and SQL, with strong expertise in statistical modeling, GLMs, predictive and prescriptive analytics, and machine learning.
- Deep understanding of insurance data including policy, premium, exposure, and claims, with the ability to translate portfolio insights into actionable business recommendations.
- Experience in developing, validating, and deploying analytical models with reproducible coding practices and performance monitoring.
- Strong communication skills to clearly articulate complex insights and collaborate effectively with actuarial, underwriting, product, engineering, and business teams.

Preferred Qualifications and Benefits

TPL Insurance is an AA-rated insurer and a leading InsurTech company in Pakistan, known for combining digital innovation with a broad retail, dealership, B2B, and B2B2C network. The company offers a diverse portfolio including Motor, Health, Property, Travel, Marine, and other general insurance products. TPL Insurance is committed to challenging traditional insurance models by delivering customer-centric products through technology and strategic partnerships.

Being part of the JazzWorld ecosystem, TPL Insurance provides its teams with the opportunity to create innovative insurance solutions that reach millions of customers at scale. The company fosters an agile, collaborative, and growth-oriented culture where employees are encouraged to take ownership, contribute new ideas, and make a meaningful impact.

Applications are invited until 14th October 2026.