Turn “what if…?” into a variant you can ship.
Start with a crisp hypothesis: e.g., “+8% base tariff in SME improves net result without breaching target LR.” Lock your success metrics (premium, LR, net pre/post reserves) and guardrails (e.g., max +10% price).
Change one lever at a time: tariff, acquisition, frequency, severity, reserves. Create 2–3 variants next to Base. After running, compare absolute values and % deltas in the chart and matrix to make trade-offs obvious.
A solid audit trail (parameters, user, timestamp) turns results into decisions you can defend. Once you pick a variant, set up monitoring (e.g., LR>target for 2 weeks) and a review checkpoint.
Takeaway: Hypothesis → 2–3 variants → chart + matrix → decision + monitoring. Simple, measurable, repeatable.