head of product and pricing

AboutLuko was born from a simple vision: we aim to build the most intuitive and transparent online experience, designed to empower policyholders to understand and manage their insurance. A New Generation of Insurance:Sign up in less than 2 minutes, access an advisor in under 100 seconds, file a claim in just 5 minutes.In just 6 years, over 400,000 users have placed their trust in us. Thanks to intelligent use of technology, we've revolutionized home insurance online, putting customer satisfaction and operational efficiency at the heart of our approach.A Significant Impact:In 2022, 1 in 4 home insurance contracts sold online in France was a Luko policy, and nearly half of our new customers joined us through a recommendation from a friend or family member.February 2024:Luko joined Allianz Direct, the European digital subsidiary of the Allianz Group. Together, we aim to become the undisputed leader in direct home insurance in France.What Does This Change?For Luko: Continuing to simplify and bring transparency to the insurance experience.For our customers: Enjoying the same high-quality service, backed by the financial strength of the Allianz Group.And for tomorrow?Luko already offers Allianz Travel insurance, and soon… auto insurance Allianz Direct At a GlanceA subsidiary of the Allianz Group, created in 2019.Present in 5 countries: Germany, Netherlands, Italy, Spain, and France.Diverse offerings: home, auto, motorcycle, pet (Italy), and travel insurance (Germany and Netherlands).At Allianz Direct, as at Luko, we believe in the power of digital and technology to create a virtuous circle centered around customer satisfaction.Job DescriptionYour mission in the team:As theHead of Pricing and Productat Allianz Direct France, you will oversee underwriting activities and ensure alignment with Allianz Direct's strategy and Group requirements. Reporting to the Chief Country Officer, with a matrix reporting line to the Allianz Direct CUO, you will lead a team of product, underwriting, and pricing specialists.Your mission is to underwrite profitable business in P&C Car, Home, and Travel while ensuring our products meet customer needs and remain competitive in the direct market. In particular, in the context of theM&A integration of Luko and Eurofil, you will streamline and harmonize processes, play an active role in platform integration, and deliver positive economic outcomes for both New Business and Renewal portfolios, as per targets.As part of the local leadership team, you will also contribute to the overall business development of the French branch.Key ResponsibilitieProduct & Underwriting ResponsibilitiesEnsure products are fit for market, considering the specificities of the French direct market.Ensure compliance with Allianz Direct and Allianz Group standards and policiesPricing ResponsibilitiesTurn around the Luko and Eurofil portfolios towards profitable growth, while accounting for the specificities of the French direct market.Establish, in close collaboration with Allianz Direct's international tribes, effective and efficient pricing processes.Ensure compliance with Allianz Direct and Allianz Group standards and policies, in particular by leading the French Product and Pricing CommitteeCollaboration and LeadershipBuild and strengthen the local Product and Pricing team by supporting training, upskilling, and full integration within Allianz Direct's matrix organization.Collaborate proactively with international colleagues and Allianz France to share and apply best practices.Actively contribute to steering the overall business as part of the local Leadership TeamTechnical Excellence and DocumentationImplement TEx standards and obtain the necessary qualifications for the French branch.Ensure proper, auditable documentation in line with Group standards, and lead the French Product and Pricing CommitteeInnovation & Continuous ImprovementFoster a culture of continuous improvement, using testing as a driver of innovation.Regularly benchmark the market and direct competitors to identify opportunities for innovation.Collaborate across Allianz Group, build strong networks, and contribute to technical excellenceWhy join us?This is a unique opportunity to join a fast-scaling company, work in a close-knit team, and collaborate with Allianz Direct's European subsidiaries to exchange best practices and address cross-functional challenges. You will also benefit from internal mobility opportunities across the Group in Europe.Growth and Mobility: Join a fast-growing company, collaborate with Allianz Direct's European subsidiaries, and explore career opportunities across Europe.International Team: Be part of a diverse and collaborative team based in our central Paris office (2nd arrondissement).Hybrid Work Model: Benefit from flexibility with remote work options.Continuous Learning: Access professional development and training programs.Meal Vouchers: Swile meal vouchers for a variety of dining options.Comprehensive Health Coverage: Medical, dental, and vision insurance through Alan.Paid Time Off: 28 vacation days plus 9–11 RTT days.Holiday Bonus: Annual holiday bonus paid in May.Pro Bono Days: 6 days per year to volunteer during working hours.Cross-Border Remote Work Policy: Flexibility to work from abroad.Supplementary Pension PlanEmployee Stock Purchase PlanFixed salary of€100K–€115K+20% annual bonusAllianz Direct France x Luko – Who are we?We createdLukowith a simple vision: to reinvent insurance and finally make it customer-centric.50% of consumers don't trust their insurer. Yet, insurance is often mandatory and the only lifeline when something goes wrong at home. We set out to build the most transparent and useful insurance company: one you can trust, thanks to a business model designed for positive impact, and products designed to empower users rather than mislead them.We created the most intuitive, user-obsessed insurance experience possible: subscription in 2 minutes, simple offers, customizable coverages, no hidden fees, policies without long-term commitment, and cancellation in just 3 clicks.In 6 years, we earned the trust of400,000+ customers. By 2022,25% of home insurance policies sold online in France were Luko policies, and nearly half of our new customers joined on the recommendation of friends or family.In February 2024, Luko joinedAllianz Direct, the digital pan-European subsidiary of Allianz Group, with the ambition to become the market leader in direct home insurance in France. Together, thanks to our shared vision and DNA, we will continue to disrupt the market by offering the best value for money, with even more simplicity and transparency.Allianz Direct DNABecoming part of Allianz Direct means embracing our 6 core values:Customer-obsessedCommunicativeData-drivenAgileTeam playerOpen-mindedPreferred ExperienceWhat you'll bring to the teamStrong command of pricing techniques, product analysis, and technical competitor benchmarking (tools, conditions, etc.).Solid understanding of underwriting in relevant lines of business.Proven ability to interpret complex data.Demonstrated success leading a pricing function in French P&C insurance, ideally within direct insurance (5–7 years).Proven leadership experience managing teams of 5+ colleagues (3–5 years).Proven experience working in an international environment (1–3 years).Education/Certification: MSc/MA in applied mathematics, statistics, actuarial science, or a related discipline (relevant certification required).Fluency in French and English (both written and spoken), as you will work daily in an international environmentRecruitment Process1st Interview – HR with Alison, our HRBP (45 min)2nd Interview – Strategic Discussion with our CEO, Fanny (1h)3rd Interview – Technical Deep Dive with our Global Team : Meet with our Global Chapter Lead Product & Pricing and the Head of Product & Pricing in Netherland (1h15)4th Interview – Team Fit : Meet with the Product and Pricing team onsite (45 min)Additional InformationContract Type: Full-TimeStart Date: 02 March 2026Location: ParisEducation Level: Master's DegreeExperience: > 4 yearsOccasional remote authorizedSalary: between 100000€ and 130000€ / year