You will lead Balcia’s group-wide product portfolio across multiple countries, taking ownership of product strategy, pricing, product design, and performance. Your role is to drive profitable growth, ensure better outcomes for customers, and introduce consistent standards and best practices across all markets.
The ambition of the Group Product Manager is to drive profitable growth across markets by shaping strong, consistent product portfolios and turning market complexity into competitive advantage.
Get ready to:
- Lead and grow the Liability insurance product portfolio across the Group, setting the product strategy and development priorities across markets.
- Own the Liability portfolio performance and P&L, setting ambitious targets for growth, profitability, conversion, loss ratio, and combined ratio.
- Build deep market, customer, and competitor insights to identify new segments, coverage opportunities, and growth areas.
- Lead end-to-end product development, including coverages, limits, exclusions, wordings, underwriting rules, eligibility, and pricing, in close partnership with Actuarial, Underwriting, Claims, and Legal teams.
- Define and continuously develop the underwriting appetite and risk selection framework, balancing growth opportunities with sustainable profitability.
- Prepare business cases and go-to-market plans for new products, coverages, segments, and market opportunities.
- Oversee portfolio performance by monitoring claims frequency and severity, average premiums, loss ratios, exposure, and key trends across segments, channels, and markets, and drive corrective actions when needed.
- Strengthen distribution channels and digital journeys, making Liability products easy to understand, quote, and sell for customers, brokers, and partners.
- Drive the Liability domain across countries, ensuring local teams work in sync, follow common principles, and have the right capabilities and expertise to successfully develop and manage the portfolio.
- Coordinate reinsurance requirements and structures, ensuring alignment with product strategy, underwriting appetite, and risk capacity.
- Identify emerging Liability risks and market developments, translating them into product opportunities, portfolio actions, or changes in underwriting approach.
- Ensure regulatory compliance and establish consistent product frameworks, standards, and governance across countries.
- Manage relevant external partners and vendors, ensuring they effectively support product and portfolio development.
About you:
Complex challenges energize you and keep you motivated every day.
You bring energy, passion, and ownership into everything you do.
you are collaborative, supportive, and thrive when taking responsibility.
you learn fast, are detail-oriented, and handle sensitive information with care.
you are results-driven and enjoy finding creative solutions to complex problems.
