Consultancy & Micro ISV for Insurance & Financial Services

Consultancy in data engineering, modelling, platform integration, architecture and pricing, building lightweight, dependable software and data services.

We partner with your development and pricing teams — setting direction, guardrails and delivery cadence — then coach and unblock execution.

Assurance by design

  • • Full auditability of pricing & rating decisions
  • • Partner-specific controls & governance (CAB)
  • • Secure ingestion, validation & lineage on all data
  • • SLA-driven reporting across direct & partner channels

Trusted in insurance & financial services

Insurers & MGAsFinancial institutionsDistribution partnersTechnology providers

Products & services for insurers, MGAs & partners

We work alongside your development and pricing teams — setting direction, guardrails and delivery cadence — and undertake targeted builds only where they add leverage. The result is improved pricing cadence, visibility and control without unnecessary re-platforming.

Pricing Ops Toolkit

Rate pipelines, pricing-engine integrations, versioning & rollback, and controlled MTAs.

MI & Outcomes

Automated MI for direct & partners; variance analysis, elasticity and outcome tracking.

Integration Hub

Lightweight APIs, secure ETL, data quality & lineage, streamlined partner onboarding.

Controls & Governance

Change approvals, audit trails and SLA monitoring built in from day one.

At a glance

Sectors
Insurance & financial services
What we do
Pricing, data, integrations
Engagements
Build, operate & support; BOT
Footprint
UK-based, hybrid/remote

15+ years shipping production software for regulated environments. Small team, senior engineers, fast cycles.

Consultancy services

We partner with your development and pricing teams — setting direction, guardrails and delivery cadence — then coach and unblock execution. We undertake targeted build/integration only where it adds leverage, leaving durable capability in your team.

Data Engineering

  • • Unified data contracts for policy/quotes/claims
  • • ETL pipelines with quality rules & lineage
  • • Warehouse/semantic models for MI & analytics
  • • Secure partner onboarding and data exchange

Tooling: SQL Server/SSIS/SSAS, Power BI.

Modelling & Analytics

  • • Pricing/demand frameworks and elasticity tracking
  • • Loss-ratio analysis, reserving & forecasting support
  • • AB testing design and outcome monitoring
  • • Consumer Duty MI and fair-value evidence packs

Tooling: Earnix, Python, Power BI.

Platform Integration

  • • Lightweight APIs & message-queue ingestion
  • • Partner feeds (JSON/CSV/SFTP) & validation
  • • Role-based portals for MI & extracts
  • • CI/CD, environments, versioning & rollback

Tooling: .NET, FastAPI/ASP.NET, Azure/AWS, GitHub Actions.

Pricing Operations

  • • Rate pipelines and controlled MTAs
  • • Engine integrations and governance (CAB)
  • • Monitoring, exception management & audit trails
  • • Partner-specific rules & rollout management

Tooling: Earnix, feature flags, automated testing.

Example deliverables & timelines

  • • Data contract + mapping guide (2–4 weeks)
  • • MI pack & partner scorecard (2–3 weeks)
  • • Pricing deployment pipeline MVP (3–6 weeks)
  • • Integration hub for 1–2 partners (4–8 weeks)

Typical durations; actuals depend on scope and environments.

Measurable outcomes we target

Data Engineering

  • • 99.5–99.9% schema conformance & load success
  • • T+1 MI availability (optionally intraday) with <15 min ingest latency
  • • 80–95% reduction in manual reporting effort

Modelling & Analytics

  • • 2–5pp uplift in quote→bind (where testing permits)
  • • 10–20% improvement in forecast MAPE
  • • 50% faster A/B time-to-decision with guardrails

Platform Integration

  • • Partner onboarding lead-time cut from 6–8 weeks to 2–4 weeks
  • • Change lead-time <24h; daily deploys; rollback <10 mins
  • • Interface uptime ≥99.9%; MTTR <1h

Pricing Operations

  • • Rate rollout cycle reduced from weeks to days/hours
  • • Deployed-rate error rate <0.1% of quotes (caught pre-prod)
  • • FCA fair-value evidence pack in ≤1 business day

Targets are project-dependent; we baseline current performance first and agree realistic goals.

How we work

  • Advisory sprints (1–3 weeks): assess, prioritise, set guardrails and roadmap with your teams.
  • Delivery projects (4–12 weeks): we pair with your development and pricing teams to guide execution; we only build where it adds leverage.
  • Build–Operate–Transfer (3–6 months): we run it briefly, then hand over with runbooks, dashboards and training.
  • Coaching & enablement: code reviews, CI/CD hygiene, CAB clinics and pricing deployment playbooks.
  • • Security, privacy and audit considerations designed-in from day one.

We align to your governance, with clear artefacts and sign-offs at each stage.

Data capability for underwriters, MGAs & brokers

We work hands-on with pricing, underwriting, MGA and broker operations to establish a trusted data foundation for travel insurance — from onboarding partners and cleansing feeds to lineage, reconciliation and MI. While we focus on underwriters’ needs, the same controls and visibility support MGAs and brokers who must deliver timely MI, accurate bordereaux and defensible outcomes.

High-level data lineage (illustrative)

From partner feeds to underwriter/MGA/broker packs with validation, reconciliation and audit at each step.

Partner feeds SFTP / API CSV, JSON Ingestion SSIS jobs validation + checksums Staging idempotent loads schema evolution Curated warehouse policy/claims model DQ + reconciliation Semantic SSAS cubes RLS + audit MI & dashboards Power BI Bordereaux & packs versioned exports Partner portals RBAC + logs

ETL & onboarding

  • • SFTP/API ingestion; SSIS pipelines
  • • Idempotent loads, backfills, replays
  • • File validation & schema evolution

Tooling: SQL Server/SSIS, .NET/Python.

Data quality & reconciliation

  • • Conformance, referential integrity, duplicates
  • • Premium/bank/claims reconciliations
  • • Issue triage with SLA & ownership

Targets: 99.5–99.9% conformance; MTTR <1 day.

Lineage, audit & controls

  • • Column-level lineage & change logs
  • • CAB-aligned approvals for model changes
  • • Role-based access; PII minimisation

Evidence: exportable run logs & diff reports.

MI & analytics

  • • Loss-ratio waterfall; cohort & segment views
  • • Exposure monitors & anomaly alerts
  • • Partner scorecards; elasticity tracking

Tooling: SSAS cubes, Power BI.

Bordereaux & packs

  • • Weekly/monthly bordereaux with versioning
  • • Underwriter/MGA/broker packs & commentary
  • • Consumer Duty & fair-value evidence

Delivery: secure portal or SFTP, with checksum.

Our experience

Insurance platforms

Product configuration, controlled MTAs, partner-specific rules, and evidence for Consumer Duty/fair value.

Pricing operations

Rate pipelines, change governance and fast iteration with rollback and auditability.

Data & analytics

Unified models for policy/claims, automated MI, elasticity and anomaly detection.

Capital-markets engineering

High-availability trading and risk systems background applied to regulated insurance workflows.

Governance

CAB processes, approval workflows, and immutable change logs for rates, rules and data models.

Security & Privacy

Data minimisation, encryption in transit/at rest, role-based access; GDPR/DPIA support. ISO-aligned practices (no certification claims).

Outcomes & Fair Value

Evidence packs for FCA Fair Value & Consumer Duty: lineage, MI, error tracking and remediation controls.

Start a conversation

Tell us about your portfolio, pain points, or partner ambitions. We’ll respond with a short proposal or a capability deck tailored to your objectives.

  • • Discovery workshop (60–90 mins)
  • • Current-state review (pricing, MI, integrations)
  • • Target architecture & quick wins

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