Location
London
Position
Electric & Insurance
Closing Date
06 Feb 2026

About The Role

The Insurance Risk Analyst is responsible for maintaining and developing data around insurance claims and risks, supporting actuarial analysis and processes, and monitoring the wider motor insurance environment.  The role holder can contribute to the development and implementation of MO’s data-driven approach to allocating insurance costs to vehicle leases based on model’s claims performance.

Reporting to the Head of Insurance Risk, the Insurance Risk Analyst is responsible for analysing monthly claims cost data, and delivering key MI metrics for senior colleagues in the Electric & Insurance division, in the Asset Risk division, and in wider MO, including for Exec audiences.  The role holder also works closely with insurance partners to ensure data quality, to understand latest trends, and to track claims cost reduction initiatives.  This is a key role for managing data that supports valuable processes and relationships, including for example monitoring data on large personal injury claims.  The Insurance Risk Analyst also supports the governance forums where business decisions are agreed.

The Motability Scheme is unique in that it provides comprehensive insurance as part of the overall lease costs.  With 870k+ Scheme Customers this is the largest motor fleet policy in the UK, with annual premiums in excess of £1bn.

About You

This role is most suited to someone who has strong analytical skills, and who actively seeks to optimise business processes, meet tight deadlines and deliver analysis that adds value.

Organised, hard-working, conscientious and enthusiastic; a team player who communicates well with colleagues and with third parties.  The successful candidate will be interested in the general insurance industry, and in applying analytical techniques and powerful reporting in support of MO’s insurance proposition, and management of risk and claims costs.

We are keen to recruit someone who has the core aptitudes required to flourish in the role and will seek to support the successful applicant with training opportunities for skills and experience wherever feasible.
 
Minimum criteria:
  • Relevant experience analysing and developing insights on insurance claims data or financial risk in automotive leasing.
  • Excellent Analytical Skills: Ability to assess risks and work with large volumes of data.
  • Communication Skills: Effective communicator with an ability to present technical subjects clearly to non-technical audiences.
  • Technical skills: MS Office with good Excel (and VBA) aptitude.  SQL experience is advantageous.

About The Company

Motability Operations is a unique organisation, virtually one of a kind. We combine a strong sense of purpose with a real commercial edge to ensure we provide the best possible worry-free mobility solutions to over 860,000 customers and their families across the UK. Customers exchange their higher rate mobility allowance to lease a range of affordable vehicles (cars, wheelchair accessible vehicles, scooters, and powered wheelchairs) with insurance, maintenance and breakdown assistance included. We are the largest car fleet operator in the UK (purchasing around 10% of all the new cars sold in the UK) and work with a network of around 5,000 car dealers and all the major manufacturers. We pride ourselves on delivering outstanding customer service, achieving an independently verified customer satisfaction rating of 9.8 out of 10.

Our values are at the heart of everything we do. They represent ambition, and we look for our people to live and breathe them every day:

  • We find solutions
  • We drive change
  • We care

We operate hybrid working across the organisation where we split our time between working on-site at our offices, and at home, remotely within the UK. We believe hybrid working achieves a good work/life balance for our colleagues, allowing us to connect with each other, collaborate on important work, and perform together to deliver for our customers.  It allows us to have the flexibility to work remotely up to 2-days per week whilst also using the great office spaces we have available.

As a Motability Operations team member, you can expect:

  • An annual discretionary bonus
  • 15% non-contributory pension (9% non-contributory pension during probation period)
  • Life assurance at 4 times your basic salary to give you peace of mind that your loved ones will receive some financial help
  • Employee Discount Scheme with a huge number of retailers and an app to save on the go
  • Discounted Electric/Hybrid Car Salary Sacrifice Scheme
  • Access to the Cycle to Work Scheme (we have showers, changing rooms and secure bike sheds on site)

As well as financial benefits, our staff's health and well-being are very important to us, so we also offer:

  • 28 days annual leave with option to purchase and sell days
  • Funded Private Medical Insurance cover
  • Critical illness insurance
  • Free access to healthcare apps, such as Peppy, Unmind, Aviva Digital GP
  • Funded health screening for over 50s
  • 1 day per year to volunteer – Staff can support a local charity or do a sponsored event whilst being paid for it
  • Access to our fully accessible company allotment – Where we grow our own produce for local charitable organisations
  • Access to Prayer room and quiet spaces whilst working in the office

We also understand that not everyone is the same so offer several voluntary benefits that you can select outside the core package, these include;

  • Dental Insurance
  • Health and cancer screenings for you and your partner 
  • Discounted gym memberships
  • Charitable giving

At Motability Operations, we believe in building a diverse workforce, where our people are empowered to attend work as their true selves, and we encourage people from all backgrounds to apply.  We want to sustain a culture that nurtures, where employees are free to flourish and where they’re rewarded equally, regardless of race, nationality or ethnic origin, sexual orientation, age, disability, or gender.

We pride ourselves on being an inclusive employer and as such, all our offices provide first rate disability access. With our hybrid working environment, we do our best to accommodate part-time and flexible working requests where possible, building on our culture of trust, empowerment, and flexibility.

Please note, Motability Operations reserves the right to bring forward the closing date of any of its job vacancies if we receive a suitable number of quality applications from which to make a shortlist. Therefore, we recommend that you apply as soon as possible rather than wait until the published closing date. 

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