Actuaries typically work for insurance companies to help them design their policies and set the premiums. They work on behalf of the company, carefully analyzing each policy to ensure profitability while maintaining competitiveness. It’s common for Actuaries to specialize in one area, such as health insurance, life insurance or property and casualty insurance. Some Actuaries may work for consulting firms, government entities or pension companies handling their property, life, casualty and health insurance policies.
O que faz um Actuary?
An Actuary, or Actuarial Analyst, assesses the financial impact of potential risks using statistics, financial theories and mathematics. Their duties include estimating probabilities of the success of certain business decisions, projecting the probability and costs of potential negative events, such as natural disasters or accidents, and designing insurance policies or business strategies to reduce a company’s financial risks.
Responsabilidades
Um Actuary deve ser capaz de cumprir vários deveres e responsabilidades. A seguir apresentam-se alguns deveres e responsabilidades que um Actuary deve ser capaz de desempenhar:
Studying statistical data to create an analysis
Creating estimates of probability and likely costs for a given event, such as death, natural disaster or sickness
Calculating how insurance policies for different types of coverage are likely to pay out
Collaborating with other financial professionals, including economists, accountants and financial advisors
Generating charts, models, tables and other tools to represent their conclusions
Presenting them at meetings and explaining complex information in a way others can understand
Analyzing reports to determine next steps for the company or client
Creating solutions to reduce financial risks
Habilidades necessárias
Um Actuary competitivo terá determinadas competências e qualificações, incluindo:
Knowledge of statistics, probability and calculus
Strong written and verbal communication skills to clearly relay information to others
Analytical skills
Experience with computers and statistical modeling software
Knowledge of business and financial concepts
Organizational skills to keep track of multiple projects
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