Data Scientist – Insurance Claims & Fraud Analytics

About the role

We are looking for a Data Scientist to join our claims and fraud analytics team in Zagreb. You will work closely with pricing, underwriting, product and sales functions to turn claims data into actionable insights that drive profitability.

Key responsibilities

• Build and maintain severity tracking models by peril across exposure years and development months.
• Monitor loss ratio drivers and quantify the impact of claims steering measures on P&L.
• Design and refine fraud clustering models by peril, channel and pattern type.
• Support fraud savings growth targets through analytical detection.
• Analyse recovery potential and track recovery savings performance.
• Develop partner outcome scoring models (quality, pricing compliance, VoC, leakage).
• Create monthly partner performance dashboards with consequence‑triggering thresholds.
• Detect and flag sales steering patterns through data analysis.
• Translate claims signals into structured inputs for pricing, underwriting, product and sales.
• Maintain live dashboards linking claims performance to business outcomes.
• Automate manual reporting processes and build management dashboards.
• Conduct competitive benchmarking analyses and track programme KPIs.

Required profile

• Master's degree in Mathematics, Statistics, Computer Science, Actuarial Science or a related field.
• 3–5 years of experience in data science, business intelligence or analytical roles, preferably in insurance claims, pricing or risk.
• Strong communication skills with the ability to present findings to non‑technical stakeholders and senior leadership.
• Experience working cross‑functionally with pricing, underwriting or finance teams.
• Insurance or financial services experience is strongly preferred.
• Interest in AI tools and modern AI‑enhanced work environments.

Required skills

• SQL / pSQL
• Data visualization and dashboarding tools such as Power BI or Tableau
• Machine learning frameworks for fraud detection, anomaly detection and predictive modelling

What we offer

• Opportunities for professional growth in an international environment
• Permanent employment contract with Allianz benefits
• Hybrid work model – a mix of office and remote work
• Digital learning programs available anytime
• Additional health insurance
• Access to Multisport/Passport benefits