Senior Actuarial Analyst
Top Benefits
About the role
At Heartland Mutual Insurance, we’re more than just a company — we’re a community. Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.
Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.
Senior Actuarial Analyst - Waterloo, Ontario What You Will Do...
- Perform comprehensive rate reviews and develop actuarial indications using GLMs and other advanced ratemaking techniques.
- Conduct loss ratio analysis, competitive benchmarking, and calculate premium and rate change impacts across all lines of business.
- Prepare and complete rate filings with provincial regulators, including all required documentation and regulatory liaison.
- Conduct detailed data analyses to support underwriting, claims, product development, and other business segments.
- Identify trends and anomalies through exploratory data analysis to inform strategic decision-making.
- Collaborate with cross-functional teams to interpret data and translate insights into actionable business recommendations.
- Investigate and implement emerging analytics tools and techniques, including predictive modeling, machine learning, and AI.
- Develop, maintain, and enhance actuarial data marts and self-serve reporting tools to support scalable business insights.
- Leverage a strong understanding of Heartland’s policy and claims systems and their data structures to support analytics and reporting needs.
What You Will Bring...
- University degree (Actuarial Science, Mathematics/Statistics or a related discipline).
- Successful completion of 4 to 6 exams from the Casualty Actuarial Society.
- A minimum of 3 years’ experience in an actuarial/data analysis role, preferably with P&C insurance exposure or a significant educational background in a related discipline.
- High Proficiency with SAS, SQL, and Excel.
- A working knowledge of Emblem would be an asset.
- A good understanding of P&C pricing and ratemaking concepts.
- Demonstrated strength in oral, written and presentation communication skills.
- Proven ability to work independently and as part of a team.
If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.
What’s In It For You
- Join a Supportive Team: Be part of a collaborative and high-performing team that values knowledge sharing and celebrating wins together.
- Comprehensive Total Rewards: Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more.
- Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
- Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.
- Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future , we've got you covered.
This job posting is for an existing vacancy within Heartland.
We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure a fair and transparent process.
About Heartland Mutual Insurance
Heartland Farm Mutual Inc. became a legal entity, formed from the merger of North Waterloo Farmers Mutual and Oxford Mutual. These two parent companies brought together long-standing experience in serving Ontario’s insurance needs. In August 2021, Heartland Farm Mutual amalgamated with The Kings Mutual Insurance Company of Berwick, Nova Scotia. The Kings Mutual Insurance Company has been fulfilling the needs of residential, commercial, and agricultural policyholders in Nova Scotia since 1904.
Heartland Farm Mutual is in your community. Whether you're in agriculture, a business owner or a homeowner, more than ever, people like you appreciate the value of the mutual insurance alternative.
Our Vision
To be the leading Mutual dedicated to fulfilling our promise with a personal approach.
Our Mission
Providing tailored insurance solutions through exemplary customer experience-building on our legacy of protecting agribusiness and communities.
Our Values
• Integrity – Our strong moral principles are demonstrated by our commitment to honesty and fairness in all our interactions. • Diversity and Inclusion – We recognize and appreciate diversity and value the contributions of all by fostering an inclusive environment. • Accountability – We deliver on our promises and assume ownership of our actions. • Community & Environment – We contribute positively to improve the quality of life and the sustainability of our communities. • Progressive – We seize value opportunities and embrace change. • Customer Focus – We focus on providing the best customer experience and create outcomes that deliver long term value.
Senior Actuarial Analyst
Top Benefits
About the role
At Heartland Mutual Insurance, we’re more than just a company — we’re a community. Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.
Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.
Senior Actuarial Analyst - Waterloo, Ontario What You Will Do...
- Perform comprehensive rate reviews and develop actuarial indications using GLMs and other advanced ratemaking techniques.
- Conduct loss ratio analysis, competitive benchmarking, and calculate premium and rate change impacts across all lines of business.
- Prepare and complete rate filings with provincial regulators, including all required documentation and regulatory liaison.
- Conduct detailed data analyses to support underwriting, claims, product development, and other business segments.
- Identify trends and anomalies through exploratory data analysis to inform strategic decision-making.
- Collaborate with cross-functional teams to interpret data and translate insights into actionable business recommendations.
- Investigate and implement emerging analytics tools and techniques, including predictive modeling, machine learning, and AI.
- Develop, maintain, and enhance actuarial data marts and self-serve reporting tools to support scalable business insights.
- Leverage a strong understanding of Heartland’s policy and claims systems and their data structures to support analytics and reporting needs.
What You Will Bring...
- University degree (Actuarial Science, Mathematics/Statistics or a related discipline).
- Successful completion of 4 to 6 exams from the Casualty Actuarial Society.
- A minimum of 3 years’ experience in an actuarial/data analysis role, preferably with P&C insurance exposure or a significant educational background in a related discipline.
- High Proficiency with SAS, SQL, and Excel.
- A working knowledge of Emblem would be an asset.
- A good understanding of P&C pricing and ratemaking concepts.
- Demonstrated strength in oral, written and presentation communication skills.
- Proven ability to work independently and as part of a team.
If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.
What’s In It For You
- Join a Supportive Team: Be part of a collaborative and high-performing team that values knowledge sharing and celebrating wins together.
- Comprehensive Total Rewards: Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more.
- Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
- Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.
- Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future , we've got you covered.
This job posting is for an existing vacancy within Heartland.
We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure a fair and transparent process.
About Heartland Mutual Insurance
Heartland Farm Mutual Inc. became a legal entity, formed from the merger of North Waterloo Farmers Mutual and Oxford Mutual. These two parent companies brought together long-standing experience in serving Ontario’s insurance needs. In August 2021, Heartland Farm Mutual amalgamated with The Kings Mutual Insurance Company of Berwick, Nova Scotia. The Kings Mutual Insurance Company has been fulfilling the needs of residential, commercial, and agricultural policyholders in Nova Scotia since 1904.
Heartland Farm Mutual is in your community. Whether you're in agriculture, a business owner or a homeowner, more than ever, people like you appreciate the value of the mutual insurance alternative.
Our Vision
To be the leading Mutual dedicated to fulfilling our promise with a personal approach.
Our Mission
Providing tailored insurance solutions through exemplary customer experience-building on our legacy of protecting agribusiness and communities.
Our Values
• Integrity – Our strong moral principles are demonstrated by our commitment to honesty and fairness in all our interactions. • Diversity and Inclusion – We recognize and appreciate diversity and value the contributions of all by fostering an inclusive environment. • Accountability – We deliver on our promises and assume ownership of our actions. • Community & Environment – We contribute positively to improve the quality of life and the sustainability of our communities. • Progressive – We seize value opportunities and embrace change. • Customer Focus – We focus on providing the best customer experience and create outcomes that deliver long term value.