Taylor Fry

Michel works primarily with government departments, using data to bolster decision-making and tailor policy design with a rigorous evidence base. She has deep experience in the social sector, undertaking person-centric predictive modelling across welfare systems, justice and veterans.

By modelling the use of government benefits and services, Michel has supported the Australian and New Zealand governments to see a clear picture of people’s service usage, needs and their future lifetime trajectories. This has been used to better design policies and programs, as well as facilitate government operations. She says:

“By breaking down complex insights, actuaries offer our clients those critical pieces of the puzzle that give them the best chance of solving their problems. Being a strong communicator is a powerful skill.”

Michel has a particular interest in bringing actuarial value to climate and sustainability issues. She’s also a keen mentor for young people, with a focus on providing training, coaching and development opportunities.

Michel’s Qualifications
  • Associate of the Actuaries Institute Australia
  • Chartered Enterprise Risk Actuary
  • Bachelor of Commerce (Actuarial Studies, Financial Economics), UNSW

Michel Zhou’s
Areas of Expertise

Michel Zhou’s Areas of Expertise


Measure, model and identify opportunities for better policy and programs

Health and Disability

Make data-driven decisions to improve systems and services

Climate and Sustainability

Identify, measure and manage climate risk, and capture opportunities arising from climate change

Recent Articles

Recent Articles

More articles

James Vincent

Increase in Australians with disability – new ABS survey

New data shows a significant rise in the number of people who report having a disability. We discuss the findings and offer key takeaways

Read Article
Ross Simmonds

Ross Simmonds

Elevated premiums and profits – what’s really going on in New Zealand?

A perfect storm may be brewing as Aotearoa community experience and insurer bottom lines collide. Ross Simmonds unpacks the issues

Read Article