Head of Insurance

Context :

Insurance is a strategic priority for Europcar Mobility Group as the Group evolves and adapts to the accelerating shift in mobility. This requires a dynamic and forward-thinking risk strategy that balances long-term objectives with the flexibility to act decisively year on year.

Europcar Mobility Group operates several fleet insurance structures across its footprint, the largest of which is the Europrogram : A Group-managed framework that ensures consistent and optimized fleet insurance across key European markets. This program acts as the cornerstone of our insurance strategy, enabling us to centralize performance, drive efficiency, and maintain continuity of cover across multiple countries. Other regions are supported by stand-alone, locally placed solutions aligned with group principles.

Beyond fleet insurance, the Group is responsible for placing and managing the majority of its corporate insurance policies centrally, including Directors & Officers liability, Cyber, Property & Business Interruption, Environmental Liability, and Travel Assistance. This centralized approach ensures cohesive coverage, leverages scale for cost efficiency, and strengthens the Group's protection against key enterprise risks while supporting regulatory and operational compliance.

Insurance also plays a critical role within the Ancillary Revenue team, partnering with Product and Service Line leaders to develop and validate customer-facing insurance offerings. This ensures insurance propositions are both strategically aligned and commercially optimized, contributing to sustainable revenue growth.

Major area of accountability :

Risk & Insurance Strategy

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Define and execute the Group's insurance and risk strategy in line with evolving mobility trends and business goals.

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Oversee risk financing, retention levels, and program structures, including captives and reinsurance.

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Insurance Program Leadership

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Lead the Europrogram and other fleet insurance structures, ensuring consistent coverage, cost efficiency, and alignment across markets.

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Manage central placement of corporate policies (e.g. D&O, Cyber, Property, Environmental Liability), optimizing global coverage and cost.

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Market & Broker Management

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Negotiate with insurers, reinsurers, and brokers to secure competitive terms and manage strong long-term partnerships.

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Stay ahead of market developments and regulatory changes to adapt the Group's insurance strategy.

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Claims & Performance Oversight

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Ensure effective claims handling and performance tracking across all programs.

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Drive loss control, data transparency, and continuous improvement.

Governance, Reporting & Compliance

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Maintain compliance with regulatory and internal governance standards.

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Deliver clear reporting and insights to senior management and stakeholders.

Cross-Functional Collaboration

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Work with Product/Service Line leaders to design and approve customer-facing insurance products.

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Embed insurance strategy in commercial planning and ancillary revenue development.

Leadership & Vendor Management

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Lead and develop the Group Insurance team.

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Manage broker, insurer, and service provider relationships to support strategic goals.

Internal and External Relationships :

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Internal: Group/local insurance managers; Finance; Legal; Fleet; Operations; Procurement; Commercial (Product, Sales & Marketing); Executive leadership.

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External: Insurers and reinsurers; Brokers; Actuarial advisors; Claims administrators; Risk consultants; Adjusters; Regulators (as needed).

Previous experience : Proven track record at least 8 years of professional experience) in managing insurance programs within a multinational or financial services environment, ideally including fleet or mobility-related risk.

Qualifications :

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Bachelor's degree in Business, Finance, Risk Management, or a related field.

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Professional insurance qualifications such as CIP (Ireland), ACII (UK), Versicherungsfachwirt (IHK) (Germany), or Master Assurance / CII equivalent (France) are highly desirable.

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A relevant Master's degree or equivalent advanced qualification is a strong advantage.

Languages : Fluency in English is essential; proficiency in German or French is a strong advantage.

Skills and Competencies :

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Insurance Mastery: Deep expertise in fleet and corporate insurance structures, with proven program leadership

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Strategic Leadership: Ability to set direction, influence outcomes, and drive alignment across functions and geographies

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Analytical Precision: Advanced data capability to unlock insights, optimize performance, and shape decisions

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Commercial & Negotiation Strength: Skilled at negotiating with insurers, brokers, and partners to secure best-in-class terms

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Execution Excellence: Thrives in complex environments, delivering outcomes with speed, structure, and clarity

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Change & Transformation: Track record of driving improvement, innovation, and adoption across teams and markets