什么是精算师？精算师做什么？一个人如何成为精算师？
All very valid questions and we’ve got your answers!
Whether you’re a maths whiz, a number cruncher, or just want to find out a little more about the actuarial field, you’ve come to the right place.
看一看！
Meet Shivee
What is an Actuary?
Steps to Becoming an Actuary
Future Outlook
最好的事情和最糟糕的事情
Advice for Aspiring Actuaries
Meet Shivee
Shivee的精算师瑞士REInsurance companyworking in the Corporate Solutions branch. His official title is精算师科索— CorSo like Corporate Solutions. Cool, right?
他去过working at Swiss Re for about 8 monthsnow but has beenworking as an actuary for a little over 10 years!
Statistics seems to be a bit of a buzzword in the actuarial discipline，，，，for Shivee at least, because his education was full of it.
How did you end up in this role?
To get to where he is now, Shivee studied a统计学士学位（荣誉）and then a Masters of Statistics。Afterwards, he went on to complete anAssociate’s degree at the Institute and Faculty of Actuaries in the UK!
What made you want to work in this industry?
Shivee告诉我们，他感到如此吸引到精算师的原因是因为理解数字对他来说是如此自然。
“我最喜欢这个职位的是数字。我喜欢数字。我不喜欢许多艺术主题，因为这些主题对我来说并不自然。Actuaries are number-driven so you can really dig deep into the numbers and tell a story through them- 这一直是我最有趣的部分。” Shivee说。
What is an Actuary?
精算师遗嘱use statistical, mathematical, financial and economic skills to understand and evaluate the opportunity and risk involved in particular companies。This means that an actuary will predict the likelihood of damage and uncertainty by measuring the possible financial impacts.
There are a number of industries where actuaries work! Wherever they are, they’ll almost always be分析数据，管理风险并做出基于数据的决策。
If you’ve gota knack for numbers and data,then becoming an actuary may be the perfect position for you!
角色和责任
As with most jobs and career paths,the tasks that you’ll perform on a day to day basis will change as you progress through the ranks。
Junior actuaries will typically begin as actuarial analysts, assistant actuaries ordata analysts。您可以期望花很多时间在数据，经济学和金融上大量工作。如果您要选择12年级的主题作为一个想成为精算师，那么您可能会考虑服用商业Studies, Mathematics and Economics!
Once you progress to a senior actuary position you canexpect your roles to look a little more advanced and a lot more responsibility-driven.您将做出重大决定，并将涵盖所有不同的精算任务。
在这一点上，您将就像公司的车轮一样。作为业务的承诺一部分，your actuarial decisions will be the main driving force behind the company’s direction, strategy and success.因此，如果您是决定性的并且可以领导团队，那么作为精算师的职位可能只是您的一个。
Shivee told us that, he specifically, willspend a lot of his time ‘reserving’。他告诉保险公司how much money they should set aside in order to pay for costly events将来可能发生。
因此，我所听到的不仅是Shivee是金融狂热的a substantial part of his role is also dedicated to predicting the future!
Shivee told us a little bit more about the reserving he does,“我们出售给公司的保险将阻止他们承受地震或洪水的损失。If we are covering such companies and such an event happens, then it’s our job to keep in mind how much insurance we’ll need to pay in the future.透明
可以在哪些行业找到哪些行业？
For the most part, actuaries work in fields like:
- Insurance (like Shivee)
- Investment
- Superannuation
- Banking
- Health financing
- Data analytics
- Energy and environment resources
- 财富管理
您会在几乎所有涉及财务和数据的行业中找到精算师。它们在整个劳动力中至关重要，以衡量风险的财务影响。
特征和素质
根据JobOutlook，，，，the top skills and knowledge that actuaries should possess include:
- 数学
- 阅读理解
- 批判性思考
- 计算机技能
- English Language
- Administration and Management
- 写作
- Oral Expression
The defining characteristic of an actuarial position is数学和数值信心。An actuary’s tasks will typically revolve around solving complex financial complications such asissues relating to annuities, superannuation, pensions, funds, dividends and insurance premiums.
作为精算师，你会将数值分析应用于数据，计算和特定趋势across a business!
由于您还将处理评估风险和其他金融领域的书面政策，因此oral expression and English language skills将是必要的。因此，尽管精算师的工作在很大程度上取决于理解数字和公式，但proficient writing skillsare equally as important!
What skills are required as an actuary?
Let’s make one thing clear now —to be an actuary, you don’t need to possess all of these skills right now.You’ll be developing them as you study and as you begin your professional work.
So don’t fret if you want to be an actuary but don’t think you have all of these skills —you’ll learn through practice!
Shivee told us that knowledge instatistics, finance, economics, data manipulation and codingare becoming more and more important as an actuary.
“Actuarial skills are typically developed in two ways. Either通过专业经验或大学教育等精算科学学科。So once you start studying or working, you’ll start getting those skills,” Shivee said.
Steps to Becoming an Actuary
For Shivee, the steps involved in becoming an actuary were twofold:大学教育和工作经验。
At university, he studied a统计学士学位（荣誉）然后继续学习Master of Statisticsbefore finalising his tertiary studies with anAssociate’s degree at the Institute and Faculty of Actuaries in the UK.
“最初，我开始研究只是为了测试水域，以查看我是否要胜任它以及是否适合我。I did pretty well in my exams. During my studies, I found I was really enjoying the subject and it came really naturally to me,” Shivee told us.
What should you study?
Similar to Shivee,诸如数学，统计学或精算科学等学科的学士学位是您从UNI获得的唯一资格。However, according toJobOutlook，，，，it’s common among actuaries for postgraduate studies to be completed.
然后，您可以通过遵循精算师研究所的认可精算师Education Program。The program is a 3-part course that involves aFoundation Program, an Actuary Program and a Fellowship Program.
麦格理大学提供Bachelor of Actuarial Studiescourse对于获得ATAR 97的高性能学生。It’s a 3 year course that includes a work experience unit and is accredited by the Actuaries Institute.
如果您完成精算研究或相关学科的学士学位，则可以申请豁免精算师研究所的基础级考试。
检查这些大学的精算研究：
成为精算师需要多长时间？
总的来说，您会看在成为一名实践精算师之前，有7多年的研究。It’s a tough job! But it’s something that will be totally worth it if you put in the work.
Industry Knowledge
作为精算师，您的工作将大量围绕计算机技能so there’s quite a lot of software that you’ll be needing to get your head around.
Shivee told us that有特定的软件卖给了保险公司。他使用的一些包括：
- Microsoft Excel
- R Project
- Igloo
- ReMetrica
将来这个职业会是什么样？
精算行业将most likely continue to be in high-demanddespite expected technological changes in the future. Luckily for actuaries, risk is always going to be there.
Even when AI and robotics become the new norm, companies will still need to protect themselves from losses.Shivee even told us that he thinks the industry will grow in the future!
“Nowadays, industries that have risks are developing even more.The demand is higher due to new kinds of risks being involved in new technologies like cyber risk, pandemics and automatic cars.如此众多的新技术正在带来更多的风险，需要更多的精算师。” Shivee说。
He also thinks thatcoding will become more important than ever随着未来机器人技术的发展。
Are there opportunities to grow or specialise?
Shivee told us that actuaries haveplenty of opportunities to grow in their company.他从大三的精算师开始made his way up to a senior actuaryand has since hadopportunities to work directly with the CEO!
“The sky is the limit. As an actuary,您真的可以从总体角度了解公司的运作方式。You’re in a better position to know what works and you can use that to develop,” Shivee said.
薪水
| Annual Salary | Future Growth | Skill Level Rating |
|---|---|---|
| $ 107,000+ | 在接下来的五年中很强 | Very high skill |
最好的事情和最糟糕的事情
您最喜欢这项工作吗？
Shivee told us that his favourite part of being an actuary is能够直接影响公司。
“我喜欢知道我的工作可以产生的影响，并知道其责任。The work that I have produced affects what the company looks like and how the company’s future looks so it’s a big responsibility and I like to take responsibility,” he said.
What do you feel is the worst part of this job?
Shivee has made it pretty clear that他喜欢他的工作,这是适合他的发展r.After a bit of deliberation, he said that his least favourite part of being an actuary was他刚开始时必须完成的任务。
He said that one timehe had to create user manuals for an actuarial pool。“Although it was quite burdensome, it still ended up being useful because it helped me learn,” Shivee added.
Advice for Aspiring Actuaries
Why should people consider taking on this career?
“I would say, first of all, that being an actuary isn’t easy.It’s a complex career so you will have to undergo internships and training to see if it would be right for you.In your first year, you’ll see whether you like it or not. It is a demanding career but once you are through with the first few years and you’ve developed a liking for it, and you have the exams out of the way, then there is no stopping you,” Shivee advised.
Shivee’s main tips for an up and coming actuary is to尽可能多地进行实习，与其他精算师交谈并在线学习职业。
What do you wish you had known before you started working in this career?
The two main things that Shivee wished he had known were to利用实习并获得考试有限公司mpleted sooner rather than later。Take note, student actuaries!
“I’d recommend using your first years to get those exams out of the way. Because一旦您加入公司并全职工作，完成考试就变得越来越困难，透明Shivee said.
“其次，在您的大学课程中，如果您可以看到这个世界的全部内容，请获得实习，“ 他加了。
Shivee said thathe had a colleague who hadn’t done an internship before and got onto the team only to realise that he wasn’t so keen毕竟在位置。
What is the workplace culture and job flexibility like?
Shivee said that the company he works for does its best to提供灵活和支持的环境for its employees.“In the global company that I work for, they call it‘owning the way you work’，，，，so as long as the work is getting done, no one really pressures you,” he said.
“You can work at your own pace and from home,“ 他加了。
由于Shivee为全世界工作的公司都有分支机构，因此他说sometimes he’ll have to be on call during out of work hours。But for Shivee, this isn’t a problem.
“I’m quite flexible which I think is another important skill if you’re wanting to work for a global company.But that doesn’t mean I’m working all day. I could start at 12 and then work until 8 or 9,” he explained.
如果您正在考虑从事精算师的职业，我们希望本文能帮助您获得更加清晰度！
Check out the Top 5 universities for Actuarial Studies in Australiahere!
Gemma Billingtonis a Content Writer at Art of Smart and an undergraduate student at the University of Technology Sydney. While studying Journalism and Social and Political Sciences, Gemma enjoys spending her time at the gym or reading about Britain’s medieval monarchy – ideally not at the same time. She currently creates and administers social media posts for Central News and writes for the student publication, The Comma. After completing her undergraduate degree, she hopes to study a Masters of Medieval History and is very excited about the prospect!
