Transforming Data into Better Decisions
I specialise in applying actuarial science, statistical modelling and business analytics to solve complex business problems and support evidence-based decision-making.
My expertise spans insurance pricing, claims reserving, predictive modelling, risk analytics and business intelligence. I enjoy transforming complex datasets into clear, actionable insights that help organisations improve performance, manage risk and make informed strategic decisions.
Alongside my analytical background, my experience as a mathematics educator has strengthened my ability to communicate technical concepts clearly to both technical and non-technical audiences.
I believe the best analytics does more than explain the past—it provides confidence for better decisions about the future.
- Insurance Pricing
- Claims Reserving
- Risk Analytics
- Predictive Modelling
- Business Intelligence
- KPI Reporting
- Dashboard Development
- Decision Support
- Statistical Modelling
- Data Cleaning
- Exploratory Data Analysis
- Data Visualisation
Programming
Python • SQL • R
Analytics & BI
Power BI • Excel
Development
Git • GitHub
The repositories below represent my current flagship analytics projects and reflect the Anthony Utulu Analytics Standard for professional documentation, business interpretation and technical implementation.
Python | Frequency–Severity Modelling | Monte Carlo Simulation | Tail Risk | Capital Analytics
Developed a one-year general insurance capital model combining claim frequency, heavy-tailed severity and aggregate-loss simulation to quantify unexpected insurance risk.
- Modelled policy-level claim frequency using Poisson and Negative Binomial approaches.
- Applied Lognormal and Generalised Pareto modelling to capture body and large-loss severity.
- Estimated £64.68m expected annual loss and £82.63m 99.5% VaR, implying £17.94m unexpected loss.
- Stress-tested frequency and severity deterioration, with combined +10% stress increasing 99.5% VaR to £98.97m.
- Identified large-loss tail claims as 96.23% of standalone unexpected-loss capital.
End-to-end insurance portfolio analytics using SQL Server and Power BI to evaluate profitability, claims performance, exposure and underwriting risk, and translate the findings into management decisions.
- 354K policy-year records analysed
- £105M premium and £74M incurred claims evaluated
- Loss Ratio, Claim Frequency and Claim Severity analysis
- Policy Type, Vehicle Age and Business Type segmentation
- SQL-based Data Quality, Cleaning and Analytics Views
- Interactive Power BI Management Dashboards
- Maintain / Monitor / Review management framework
- Executive Documentation
🔗 Repository
https://github.com/Utulu1/Insurance-Portfolio-Analytics
End-to-end actuarial pricing analytics using Poisson Generalized Linear Models to model motor insurance claim frequency and support evidence-based pricing decisions.
- Business-focused analytics workflow
- Real-world insurance dataset
- Exploratory Data Analysis
- Feature Engineering
- Poisson GLM
- Model Validation
- Business Insights
- Executive Documentation
🔗 Repository
https://github.com/Utulu1/Motor-Insurance-Pricing-Analytics
End-to-end actuarial reserving analysis using deterministic and stochastic reserving techniques to estimate outstanding claims liabilities and support reserving decisions.
- Chain Ladder
- Mack Chain Ladder
- Reserve Uncertainty
- Model Interpretation
- Business Reporting
- Executive Documentation
🔗 Repository
https://github.com/Utulu1/Actuarial-Claims-Reserving-Workflow
I am continuing to develop a portfolio of consulting-quality actuarial and business analytics case studies, guided by practical industry relevance and professional development.
- General Insurance ALM & Reinsurance Analytics
- IFRS 17 Insurance Liability Modelling
- Pension Valuation Analytics
- Life Insurance Pricing Analytics
- Predictive Claims Modelling
- Executive Business Analytics & Decision Intelligence
Projects are published only when they meet the Anthony Utulu Analytics Standard for technical quality, business relevance, reproducibility and professional documentation.
To help organisations transform complex data into confident business decisions by combining actuarial thinking, analytics and clear communication.
https://www.linkedin.com/in/utulu-an
🌍 GitHub