The headquarters of the AXA Group (GIE AXA) brings together our corporate activities. It provides guidance and support to subsidiaries around the world, to ensure the coordination and monitoring of the Group's global strategy, the application of its standards, the consistency of commercial approaches and the sharing of best practices. The headquarters gathers approximately 1000 employees and is distinguished by its strong international culture (45 nationalities), which makes it a rich and stimulating place to work.

Within the Group, you will join the Group Underwriting Office. 

The newly created Global Chief Underwriting Office is accountable for establishing, enabling, and driving profit and growth through Product Underwriting Strategy, Portfolio Design and Technical Underwriting Excellence in partnership with the AXA Entities, for both Commercial and Retail, through:

• Portfolio Design Steering 
• Underwriting Product Strategy and Profitability Measurement
• Technical Underwriting Guidance
• Pricing Models, Platforms and Analytics
• Risk Appetite deployment
• Ceded Reinsurance strategy design and purchasing

Within this Department, you will be part of the P&C Retail Underwriting team.

Your job and daily mission:

The Senior Retail UW Solutions Manager is responsible for leading and managing retail underwriting operations, finding innovative solutions, leveraging advanced methods, data and technology to drive efficiency and effectiveness through projects and market scouting, actively engaging with industry stakeholders to address new challenges in underwriting.

• Role: The major challenges for the UW Solutions Manager include proactively identifying and addressing problems raised by entities, focusing on driving market feedbacks, piloting initiatives and innovative projects and creating performance management through the building of a technical library for codifying best practices at Group level on the most relevant UW topics. Additionally, staying abreast of industry trends, collaborating with insurance-related start-ups, and identifying technical excellence levers according to the market "state of the art" are essential in this role.

• Context and Major Challenges: The major challenges for the Senior Retail UW Solutions Manager include market-cycle management and continuous engagement with the entities. Keep raising the bar in technical excellence is the main scope for this unit.  

• Key Accountabilities: The key accountabilities of the Senior Retail UW Operations Manager include project identification and problem-solving, extensive use of internal and external data and technology, industry engagement and networking, underwriting innovation using data and AI, cascading pilots' results throughout the organization, creating detailed dashboards for monitoring purposes and developing toolkits for market insights. 

• Main Competencies and Experience: The ideal candidate for this role should possess strong competencies in project management, data analysis, technological innovation, market insight and performance management. Experience in retail underwriting operations, collaboration with industry stakeholders, and leveraging data and AI for underwriting innovation is essential.

 Dimension and Key Figures:

• 20+ countries / entities as well as 3 regional hubs (EM, AMIH and AMO).
• €49bn of revenues in scope (49% of the whole AXA Group revenue):
• €17bn of revenues in P&C Retail & Partnerships.
• €32bn of revenues in P&C Commercial & Partnerships.
• 70+ requests for Underwriting non-authorized business per year, representing GWP ~€2bn.

Context and Major Challenges:

The P&C Retail business is a core pillar of the Group in terms of both Underlying Earnings (>33% of total) and customer base (20m+). Although each market AXA operates in has its own dynamics, regulations and challenges, the fundamental requirements and propositions for the retail business are similar, covering at large motor, home and travel insurance. 

As of today, Motor insurance remains the ‘anchor’ product of the industry. In the mid-term, along potential further commoditization or technology advancements (i.e. electric vehicles, autonomous cars, …), the private Motor market is assumed to get materially smaller (and potentially less profitable). 

Moreover, the customer experience is still overly complex and P&C insurers struggle to build long-term and relevant customer relationships, driven by 1) low frequency of interaction, 2) a lack of differentiation, 3) increasing commoditization and 4) increasing price pressure. Thus, a large portion of the P&C Retail business stands at a strategic crossroad, intensified by changing supply and demand side trends which drive the integration of existing value chains to solve specific customer problems, giving rise to ecosystems.

In addition to all this, a lot of additional external challenges are impacting the profitability level of this business segment: claims inflation in first place, climate changes development and customer behaviour modification.

Key Accountabilities:

1/ Driving projects and innovation 

• Finding projects to tackle problems raised by Entities
• Using advanced methods for quick market feedback
• Making extensive use of internal and external data and technology
• Actively engaging in conferences and insurance-related start-ups
• Addressing new challenges in Underwriting using Data and AI
• Creating appropriate pilots in entities for back-testing
• Cascading pilots results down

2/ Driving Technical excellence 

• Identification of Technical excellence levers according to market “state of the art”
• Working with other departments to create detailed dashboards for monitoring purposes
• Creating toolkits to “scrape” the market and have a “best in class” market insight
• Creating performance management processes and cycle management

Vous rejoignez une entreprise :

-    Responsable, vis-à-vis des personnes, y compris ses employés et ses clients, et de la planète. -    Aux valeurs fortes-    Qui encourage la mobilité interne, et la formation de ses employés-    Qui vous offre de nombreux avantages (en savoir plus ici : Reward & Benefits - french | AXA Group)-    Flexible, qui permet le travail hybride, au bureau et à la maison.

Les informations fournies par les candidat(e)s seront traitées de manière strictement confidentielle et utilisées uniquement à des fins de recrutement.

Main Competencies and Experiences :

• Knowledge of P&C business operations enabling to have a thorough understanding of business insurance rationale, processes and profitability and any potential P&C risk.
• Knowledge in P&C actuarial fields to efficiently handle the Insurance metrics proposed

Technical skills:

• Around 8/10 years Underwriting experience in Retail Lines of Business
• General knowledge of Retail Lines insurance products and client segments
• Experience in Project Management is essential
• Experience working in complex environments
• Knowledge of programming, SAS, or other AI languages + Microsoft tools

Soft skills:

• Natural leadership
• Able to develop structured argumentation to sell ideas and convince various types of stakeholders (different hierarchy levels and business background);
• Able to deliver high-level presentation in front of senior management or entities CEOs
• Agility to work in a multifaceted P&C world (Local vs Group, Small vs Large entities, worldwide underwriting cultures)
• Always customer minded while promoting strong Technical excellence in UW