崗位職責(zé)是什么
精算師是保險(xiǎn)、金融和其他相關(guān)行業(yè)的專(zhuān)業(yè)顧問(wèn)，他們運(yùn)用數(shù)學(xué)、統(tǒng)計(jì)學(xué)和經(jīng)濟(jì)學(xué)知識(shí)，評(píng)估風(fēng)險(xiǎn)和財(cái)務(wù)不確定性，為公司制定策略和決策提供科學(xué)依據(jù)。
崗位職責(zé)要求
1. 深厚的數(shù)學(xué)基礎(chǔ)：精算師需精通概率論、統(tǒng)計(jì)學(xué)和微積分，以進(jìn)行復(fù)雜的風(fēng)險(xiǎn)分析。
2. 金融知識(shí)：掌握財(cái)務(wù)報(bào)告、投資理論和保險(xiǎn)原理，理解市場(chǎng)動(dòng)態(tài)和經(jīng)濟(jì)環(huán)境。
3. 計(jì)算技能：熟練使用精算軟件和編程語(yǔ)言，如r、python，進(jìn)行數(shù)據(jù)分析和建模。
4. 法規(guī)理解：了解相關(guān)行業(yè)法規(guī)，確保業(yè)務(wù)合規(guī)性。
5. 溝通能力：能夠清晰地向非專(zhuān)業(yè)人士解釋復(fù)雜的精算概念和結(jié)果。
6. 創(chuàng)新思維：不斷探索新的分析方法和技術(shù)，以適應(yīng)不斷變化的市場(chǎng)環(huán)境。
崗位職責(zé)描述
精算師的工作日常涉及以下幾方面：
1. 風(fēng)險(xiǎn)評(píng)估：計(jì)算潛在損失的可能性和規(guī)模，為保險(xiǎn)公司設(shè)定保費(fèi)和儲(chǔ)備金。
2. 產(chǎn)品開(kāi)發(fā)：參與設(shè)計(jì)保險(xiǎn)產(chǎn)品，預(yù)測(cè)其成本和盈利能力。
3. 投資分析：評(píng)估投資組合的風(fēng)險(xiǎn)和回報(bào)，為公司資產(chǎn)配置提供建議。
4. 財(cái)務(wù)報(bào)告：協(xié)助準(zhǔn)備和審核財(cái)務(wù)報(bào)表，確保數(shù)據(jù)準(zhǔn)確無(wú)誤。
5. 管理咨詢(xún)：為公司管理層提供關(guān)于業(yè)務(wù)策略和決策的精算建議。
6. 監(jiān)管合規(guī)：確保公司的精算實(shí)踐符合行業(yè)標(biāo)準(zhǔn)和法規(guī)要求。
有哪些內(nèi)容
1. 數(shù)據(jù)收集與分析：收集歷史損失數(shù)據(jù)，分析趨勢(shì)，預(yù)測(cè)未來(lái)可能的賠付情況。
2. 建立模型：構(gòu)建統(tǒng)計(jì)模型，模擬各種風(fēng)險(xiǎn)場(chǎng)景，如死亡率、疾病發(fā)生率、利率變動(dòng)等。
3. 項(xiàng)目管理：協(xié)調(diào)跨部門(mén)合作，確保精算項(xiàng)目的順利進(jìn)行。
4. 定價(jià)策略：基于風(fēng)險(xiǎn)評(píng)估，制定保險(xiǎn)產(chǎn)品的定價(jià)策略。
5. 內(nèi)部審計(jì)：定期審查公司的精算假設(shè)和方法，確保其合理性和準(zhǔn)確性。
6. 法規(guī)遵循：關(guān)注政策變化，更新精算模型以適應(yīng)新的監(jiān)管要求。
7. 培訓(xùn)與指導(dǎo)：為同事和管理層提供精算知識(shí)培訓(xùn)，提高整個(gè)組織的風(fēng)險(xiǎn)管理能力。
精算師的角色不僅限于數(shù)學(xué)計(jì)算，更在于將復(fù)雜的精算原理轉(zhuǎn)化為實(shí)際的業(yè)務(wù)解決方案，為公司的穩(wěn)健運(yùn)營(yíng)提供關(guān)鍵支持。他們的工作成果直接影響到公司的財(cái)務(wù)穩(wěn)定性和市場(chǎng)競(jìng)爭(zhēng)力。
精算師崗位職責(zé)范文
第1篇 財(cái)務(wù)精算師崗位職責(zé)
崗位職責(zé):
1、負(fù)責(zé)新產(chǎn)品的開(kāi)發(fā)和責(zé)任準(zhǔn)備金核算等工作
2、負(fù)責(zé)利源分析及動(dòng)態(tài)償付能力測(cè)試等工作
3、負(fù)責(zé)商業(yè)計(jì)劃的測(cè)算和編制等工作
4、負(fù)責(zé)公司負(fù)債評(píng)估、償付能力的計(jì)算
5、負(fù)責(zé)精算報(bào)表、精算報(bào)告的編制與報(bào)送
6、負(fù)責(zé)分保詢(xún)價(jià)與分保協(xié)議的簽訂
7、負(fù)責(zé)保險(xiǎn)基本法測(cè)算
任職資格:
1、本科及以上學(xué)歷,精算、金融、保險(xiǎn)、數(shù)學(xué)、統(tǒng)計(jì)等相關(guān)專(zhuān)業(yè)
2、1年以上銷(xiāo)售管理經(jīng)驗(yàn),熟悉行業(yè)知識(shí)
3、具有2年以上產(chǎn)品開(kāi)發(fā)工作經(jīng)驗(yàn)、1年以上精算評(píng)估工作經(jīng)驗(yàn)
4、具有國(guó)家認(rèn)可的精算師資格認(rèn)證者優(yōu)先
5、具有一定的團(tuán)隊(duì)管理能力、團(tuán)隊(duì)合作精神強(qiáng)
6、具有有較好的語(yǔ)言組織能力,善于與人溝通
7、具有良好的學(xué)習(xí)、適應(yīng)能力,能承受一定的工作壓力
第2篇 保險(xiǎn)精算師崗位職責(zé)
保險(xiǎn)精算師 亞?wèn)|星恒信息技術(shù)有限公司 亞?wèn)|星恒信息技術(shù)有限公司 職責(zé)描述:
1、負(fù)責(zé)壽險(xiǎn)產(chǎn)品風(fēng)險(xiǎn)評(píng)估和定價(jià)建模及精算相關(guān)報(bào)告;
2、深入了解需求和保險(xiǎn)產(chǎn)品設(shè)計(jì);
3、負(fù)責(zé)風(fēng)險(xiǎn)管理流程和標(biāo)準(zhǔn)化。
任職要求:
1、數(shù)學(xué),統(tǒng)計(jì),保險(xiǎn)等專(zhuān)業(yè)本科及以上學(xué)歷;
2、3-5年以上相關(guān)工作經(jīng)驗(yàn),精算師優(yōu)先,壽險(xiǎn)行業(yè)優(yōu)先;
3、統(tǒng)計(jì)分析能力強(qiáng),熟悉sql、r、sas;
4、具有高度的責(zé)任心,良好的溝通協(xié)調(diào)能力和團(tuán)隊(duì)合作精神。
第3篇 精算師崗位職責(zé)
精算師 軒宇汽車(chē) 保定軒宇汽車(chē)集團(tuán)有限公司,軒宇汽車(chē),軒宇 職責(zé)描述:
1、分析研究公司、行業(yè)數(shù)據(jù),根據(jù)公司發(fā)展戰(zhàn)略和市場(chǎng)需求,負(fù)責(zé)進(jìn)行公司產(chǎn)品的業(yè)務(wù)定位和經(jīng)營(yíng)策略等工作;
2、為相關(guān)部門(mén)提供精算技術(shù)支持,建立并完善精算管理體系、制度、流程;
3、定期輸出分析報(bào)告,包括業(yè)績(jī)分析、市場(chǎng)研究、活動(dòng)效果評(píng)估等,為公司營(yíng)銷(xiāo)策略、產(chǎn)品方向、運(yùn)作支持等方面提供決策建議;
4、根據(jù)業(yè)務(wù)部門(mén)需求,充分利用過(guò)去和現(xiàn)有數(shù)據(jù)資源,進(jìn)行數(shù)據(jù)提取、整理和挖掘,建立合適的分析模型評(píng)估整體業(yè)務(wù)的發(fā)展趨勢(shì);
5、對(duì)公司各層面運(yùn)營(yíng)工作提供數(shù)據(jù)分析,形成報(bào)表,為公司的商業(yè)計(jì)劃、預(yù)算管理、財(cái)務(wù)報(bào)告、投資決策、償付能力、價(jià)值評(píng)估等提供專(zhuān)業(yè)技術(shù)支持。
任職要求:
1.本科及以上學(xué)歷,金融,保險(xiǎn)精算數(shù)理統(tǒng)計(jì)等相關(guān)專(zhuān)業(yè) ;
2.2年以上金融行業(yè)精算或數(shù)據(jù)分析的經(jīng)驗(yàn),有精算師資格證書(shū)者優(yōu)先;
3.具有良好的邏輯分析能力,較強(qiáng)的分析能力和溝通能力
4.工作積極主動(dòng),踏實(shí),有很強(qiáng)的責(zé)任心,具有良好的團(tuán)隊(duì)協(xié)作精神
第4篇 金融精算師崗位職責(zé)
高級(jí)金融精算師 中國(guó)平安人壽保險(xiǎn)股份有限公司廣州市珠江支公司 中國(guó)平安人壽保險(xiǎn)股份有限公司廣州市珠江支公司,中國(guó)平安 任職要求:
(1)年齡:25-35周歲;
(2)學(xué)歷:高中及以上學(xué)歷;
(3)工作經(jīng)驗(yàn)不限,歡迎應(yīng)屆畢業(yè)生的加入;
(4)性格外向,具有較強(qiáng)的人際交往與溝通能力;
(5)有良好的心理素質(zhì)和工作習(xí)慣,自律性好,有責(zé)任心;
(6)有信用卡、證券、貸款等服務(wù)業(yè)及房產(chǎn)中介、汽車(chē)4s店、酒店服務(wù)、物業(yè)公司等相關(guān)行業(yè)工作經(jīng)驗(yàn)
者優(yōu)先;
(7)無(wú)不良嗜好,無(wú)違法犯罪記錄。
第5篇 助理精算師崗位職責(zé)
保險(xiǎn)精算經(jīng)理助理精算師(某美資公司) actuarial assistant manager/ manager
esponsibilities:
- develop, maintain and control of actuarial model - promise model;
- assist the management of actuarial support center;
- coach juniors and lead the team to complete bus support tasks or actuarial projects;
- perform actuarial model development, ensure actuarial model design and control standards are met;
- prepare financial and statistical reports.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics;
- attained associateship in a recognized actuarial association;
- at least 4 years’ relevant working e_perience;
- solid actuarial modeling skills;
- e_cellent communication skills, proficient in written/spoken english;
- a good team player.
actuarial assistant / senior actuarial associate
responsibilities:
- be familiar with prophet system, support promise actuarial model activities.
- receive guidance from locals and ca on all technical matters and infrastructure related matters.
- handle assignments from ca and deliver quality output within deadlines.
- perform change control and production runs, maintenance of the model.
- documentation of the development.
- assist financial and statistical reports preparation.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics.
- associate or close to associate of actuarial body (e.g. asa).
- good problem solving and analytical skills.
- good communication skills, proficient in written/spoken english.
- a good team player. 申請(qǐng)此職位候選人必須英語(yǔ)口語(yǔ)流利,有報(bào)考精算師(包括國(guó)外或中國(guó)精算師證)證書(shū)經(jīng)歷,并通過(guò)l四門(mén)以上科目,有在金融機(jī)構(gòu)或在大學(xué)做過(guò)金融產(chǎn)品精算項(xiàng)目實(shí)習(xí),也可申請(qǐng)此職位! actuarial assistant manager/ manager
esponsibilities:
- develop, maintain and control of actuarial model - promise model;
- assist the management of actuarial support center;
- coach juniors and lead the team to complete bus support tasks or actuarial projects;
- perform actuarial model development, ensure actuarial model design and control standards are met;
- prepare financial and statistical reports.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics;
- attained associateship in a recognized actuarial association;
- at least 4 years’ relevant working e_perience;
- solid actuarial modeling skills;
- e_cellent communication skills, proficient in written/spoken english;
- a good team player.
actuarial assistant / senior actuarial associate
responsibilities:
- be familiar with prophet system, support promise actuarial model activities.
- receive guidance from locals and ca on all technical matters and infrastructure related matters.
- handle assignments from ca and deliver quality output within deadlines.
- perform change control and production runs, maintenance of the model.
- documentation of the development.
- assist financial and statistical reports preparation.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics.
- associate or close to associate of actuarial body (e.g. asa).
- good problem solving and analytical skills.
- good communication skills, proficient in written/spoken english.
- a good team player.
第6篇 精算師助理崗位職責(zé)
保險(xiǎn)精算經(jīng)理助理精算師(某美資公司) actuarial assistant manager/ manager
esponsibilities:
- develop, maintain and control of actuarial model - promise model;
- assist the management of actuarial support center;
- coach juniors and lead the team to complete bus support tasks or actuarial projects;
- perform actuarial model development, ensure actuarial model design and control standards are met;
- prepare financial and statistical reports.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics;
- attained associateship in a recognized actuarial association;
- at least 4 years’ relevant working e_perience;
- solid actuarial modeling skills;
- e_cellent communication skills, proficient in written/spoken english;
- a good team player.
actuarial assistant / senior actuarial associate
responsibilities:
- be familiar with prophet system, support promise actuarial model activities.
- receive guidance from locals and ca on all technical matters and infrastructure related matters.
- handle assignments from ca and deliver quality output within deadlines.
- perform change control and production runs, maintenance of the model.
- documentation of the development.
- assist financial and statistical reports preparation.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics.
- associate or close to associate of actuarial body (e.g. asa).
- good problem solving and analytical skills.
- good communication skills, proficient in written/spoken english.
- a good team player. 申請(qǐng)此職位候選人必須英語(yǔ)口語(yǔ)流利,有報(bào)考精算師(包括國(guó)外或中國(guó)精算師證)證書(shū)經(jīng)歷,并通過(guò)l四門(mén)以上科目,有在金融機(jī)構(gòu)或在大學(xué)做過(guò)金融產(chǎn)品精算項(xiàng)目實(shí)習(xí),也可申請(qǐng)此職位! actuarial assistant manager/ manager
esponsibilities:
- develop, maintain and control of actuarial model - promise model;
- assist the management of actuarial support center;
- coach juniors and lead the team to complete bus support tasks or actuarial projects;
- perform actuarial model development, ensure actuarial model design and control standards are met;
- prepare financial and statistical reports.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics;
- attained associateship in a recognized actuarial association;
- at least 4 years’ relevant working e_perience;
- solid actuarial modeling skills;
- e_cellent communication skills, proficient in written/spoken english;
- a good team player.
actuarial assistant / senior actuarial associate
responsibilities:
- be familiar with prophet system, support promise actuarial model activities.
- receive guidance from locals and ca on all technical matters and infrastructure related matters.
- handle assignments from ca and deliver quality output within deadlines.
- perform change control and production runs, maintenance of the model.
- documentation of the development.
- assist financial and statistical reports preparation.
requirements:
- university graduate with a major in actuarial science, mathematics or statistics.
- associate or close to associate of actuarial body (e.g. asa).
- good problem solving and analytical skills.
- good communication skills, proficient in written/spoken english.
- a good team player.
