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Retail Underwriting Operations Specialist
Il y a 3 mois
At AXA, we are dedicated to providing over 108 million customers with the essential products and services they require to thrive at every stage of their lives. Our offerings range from insurance and personal protection to savings and wealth management. We prioritize our employees just as much as our customers, fostering a culture that is open, supportive, and empowering across 50 countries.
Your Work Environment:
At the heart of AXA Group (GIE AXA), our headquarters unites our corporate functions, providing guidance and support to subsidiaries globally. This ensures the alignment and execution of the Group's overarching strategy, adherence to standards, and the sharing of best practices. Our headquarters is home to approximately 1000 employees, characterized by a vibrant international culture with 45 nationalities, making it a dynamic workplace.
Join the Group Underwriting Office Department (GUO)
The newly established Global Chief Underwriting Office is responsible for driving profitability and growth through strategic product underwriting, portfolio design, and technical underwriting excellence in collaboration with AXA entities for both Commercial and Retail sectors. Key functions include:
- Steering portfolio design
- Formulating underwriting product strategies and profitability assessments
- Providing technical underwriting guidance
- Developing pricing models, platforms, and analytics
- Implementing risk appetite strategies
- Designing and purchasing ceded reinsurance strategies
Your Job and Daily Responsibilities:
Job Purpose
The P&C Retail Operations Underwriting Specialist focuses on the operational aspects of underwriting within retail operations. Key responsibilities include:
- Overseeing operational underwriting activities within retail entities, ensuring compliance with underwriting guidelines and best practices.
- Collaborating with entities to optimize operational underwriting processes and requests, enhancing alignment between central functions for improved efficiency.
- Assisting entities in developing detailed reports and operational underwriting procedures as part of portfolio performance evaluations, utilizing existing performance tools.
- Monitoring and managing portfolio profitability based on operational needs, emphasizing operational underwriting performance metrics.
- Enhancing discount management and sales strategies at the operational level, incorporating customer and intermediary insights to boost underwriting effectiveness.
- Minimizing underwriting leakage and conducting distribution coverage analyses at the operational level to drive improvements.
- Implementing advanced operational underwriting methodologies and models, integrating commercial perspectives into pricing strategies for rapid market feedback.
- Leveraging internal and external data, including innovative technologies, for operational underwriting within retail operations.
Main Figures:
- Engagement with 20+ countries/entities and 3 regional hubs (EM, AMIH, and AMO).
- Oversight of €49bn in revenues (49% of total AXA Group revenue):
- €17bn from P&C Retail & Partnerships.
- €32bn from P&C Commercial & Partnerships.
- Management of 70+ requests for underwriting non-authorized business annually, representing GWP ~€2bn.
The P&C Retail sector is a crucial component of the Group, contributing significantly to both Underlying Earnings (>33% of total) and customer base (20m+). While each market presents unique dynamics, regulations, and challenges, the fundamental requirements for retail business remain consistent, primarily encompassing motor, home, and travel insurance.
Currently, motor insurance serves as the 'anchor' product within the industry. In the mid-term, potential commoditization and technological advancements (e.g., electric vehicles, autonomous cars) may lead to a contraction in the private motor market, possibly affecting profitability.
Furthermore, the customer experience is often overly complex, with P&C insurers facing challenges in cultivating long-term, meaningful relationships with customers due to factors such as low interaction frequency, lack of differentiation, increasing commoditization, and price pressures. Consequently, a significant portion of the P&C Retail business stands at a strategic crossroads, exacerbated by evolving supply and demand trends that necessitate the integration of existing value chains to address specific customer needs, leading to the emergence of ecosystems.
Additionally, external challenges such as claims inflation, climate change developments, and shifts in customer behavior are impacting the profitability of this business segment.
Key Accountabilities
As an Operational Underwriting Specialist for P&C Retail, your primary responsibility is to ensure technical excellence in retail underwriting across global entities, supporting their growth and profitability. This involves actively engaging with monthly KPIs to guide, challenge, and assist entities in identifying potential budget deviations. Your key activities will include:
- Implementing a cutting-edge underwriting approach and model.
- Participating in In-Depth Reviews (IDR) & Technical Reviews (TR) relevant to your responsibilities.
- Providing detailed reports for portfolio performance evaluations, leveraging existing performance tools.
- Launching profit or premium recovery initiatives based on monitoring outcomes.
- Overseeing and managing portfolio profitability.
- Enhancing discount management and sales strategies at the entity level.
- Reducing underwriting leakage.
- Utilizing internal and external data, including innovative technologies, and analyzing data from various entities to inform specific actions.
- Collaborating closely with cross-functional teams to develop a comprehensive understanding of cycle management.
Main Competencies and Experiences
To be successful in this role, you should possess a solid understanding of underwriting cycles and related topics, including tariff calculations, technical pricing, discounting rules, and risk appetite definitions. Experience in customer and distributor management is also essential.
The ideal candidate will have approximately 5 years of underwriting experience in retail lines of business, along with a general knowledge of retail insurance products and client segments. Experience in reinsurance, project management, and navigating complex environments is advantageous. Required soft skills include structured argumentation to effectively communicate ideas, high-level presentation skills for senior management, agility in a multifaceted P&C landscape, a customer-centric approach, and strong negotiation abilities.
Decision Bodies and Committees
- Group Lob committees:
- Provide expertise on Group referrals.
- Support the underwriting community in fostering profitable growth and technical excellence.
- P&C Retail committee:
- Assist in the establishment of AXA transformation strategies.
- Support entities in their transformation journeys.
By joining AXA, you become part of a company that is:
- Responsible towards individuals, including employees and clients, as well as the planet.
- Guided by strong values.
- Committed to internal mobility and employee development.
- Offering numerous benefits.
- Flexible, allowing for hybrid work arrangements.
The information provided by candidates will be treated with the utmost confidentiality and used solely for recruitment purposes.
Your Work Environment
At AXA, our mission is to act together every day for human progress by protecting what matters. This mission inspires us and motivates us to come to work each day.
As a global leader in insurance, AXA is dedicated to protecting assets, individuals, and properties. With a presence in 51 countries and over 90 million clients worldwide, our employees and contributors are committed to serving our customers. AXA is a responsible corporate citizen, actively engaging in societal and environmental causes. We uphold an inclusive policy that recognizes and values individual differences. If these ambitions resonate with you, we invite you to join us in making a difference.
