A actuary who turns uncertainty into decisions.
I'm Jonas Osman — an actuary and risk expert. For over fifteen years I've helped insurers, reinsurers, pension schemes, and corporates understand the risks on their balance sheet and make better decisions about them.
My work sits at the intersection of actuarial technique, business strategy, and regulation. I build reserving and capital models that hold up to audit, design predictive pricing models that improve loss ratios without regulator surprises, and help boards translate risk appetite into decisions they actually make.
Clients typically bring me in when the stakes are high and the answer isn't obvious: a reserve review under time pressure, a capital model that needs to be defensible and useful, a pricing program that has to move fast without losing rigour, or an ERM framework that has to be more than a binder on a shelf.
I work independently and directly. No large project team, no hand-offs to junior consultants — you get the person you hired.
Areas of expertise
- Enterprise Risk Management
- Actuarial Science
- Loss Reserving
- Capital Modeling
- Predictive Modeling
Recent writing
All insights →Enterprise Risk Management, Demystified
ERM isn't a binder on a shelf. It's the operating system a modern insurer or company uses to make decisions under uncertainty. Here's how to think about it.
Loss Reserving Explained
Loss reserving is one of the most consequential numbers on an insurer's balance sheet. This is a practical tour of how it's done and where the judgement calls hide.
Predictive Modeling in Insurance
Predictive modeling has quietly reshaped insurance pricing. Here's what actually works, what to watch out for, and how to keep models explainable to regulators.