Chief Insurance Officer

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Paris, Ile-de-France Dalma. Temps plein

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Dalma's ambition is to become the go-to pet insurer in Europe. To get there, we're creating a key position: Chief Insurance Officer (CIO). You'll own Dalma's insurance strategy end to end — from relationships with our risk carriers to product vision, from risk oversight to pricing supervision — with a dedicated team reporting directly to you and a seat on the Executive Committee (ComEx). 🏗️ Organization & management You'll lead a team made up of:
• A senior actuary
• An expert in predictive modeling — notably for our pricing strategy (currently being recruited)
• A team of Data experts, in charge of insurance data and analytical support on pricing and churn projects And work closely with:
• Our Product & Tech teams
• Our founders 🤝 Carrier strategy & external relations
• Lead the relationship and commercial negotiations with our risk carriers
• Anticipate renewals and carrier-dependency risks
• Build the risk-carrying strategy and prepare structural changes ahead 🏗️ Product architecture & market vision
• Own the vision for product evolution — coverage, exclusions, add-ons
• Define the insurance product roadmap in partnership with the Product team
• Lead competitive intelligence across the French and German markets 📊 Pricing & actuarial oversight
• Oversee pricing models, price elasticity, and cohort segmentation
• Validate segmentation assumptions and cohort pricing
• Be the guardian of the Loss Ratio and projection models
• Ensure consistency between pricing decisions and risk exposure 🏛️ Internal governance
• Sit on the ComEx as the lead for insurance strategy
• Be the direct interface with the founders on strategic decisions
•

Experience:
~10 years in insurance, ideally in P&C (IARD) or health/protection with a strong data component
• Insurance expertise: You know insurers from the inside, master the key elements of contracts, and have directly negotiated reinsurance or co-insurance programs
• Quantitative sensibility: You understand and challenge actuarial pricing and elasticity models — without necessarily being an actuary yourself
• Business instinct: You've owned a P&L or a product line, not just a technical function
• Management: You've already led a cross-functional team (actuarial, data, business)
• Builder mindset: You've worked in environments where you had to build, not just operate
• Languages: Fluent English required; French or German a plus
•

Location:
Local contract (Paris, Berlin), or fully remote work is possible (with regular trips to the Paris headquarters—about once a month) Nice-to-haves:
• Experience at an MGA or insurtech at a comparable growth stage
• Knowledge of the European pet insurance market (ideally FR/DE)
• Exposure to embedded/affinity insurance
• Step 1: Initial HR call
• Step 2: Interview with one of our founders — strategic fit and vision
• Step 3: Business case with our founders
• Step 4: Team fit with members of the Insurance team
• Step 5: Reference checks

Chief Insurance Officer

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