Head of Product Development - Consumer / Retail Lines

Intelligent Solutions HR; Dubai; On-site; USD 100,000 - 130,000; Full time

Job summary

A leading insurance service provider is seeking a Head of Product Development in Dubai to drive product life cycles from concept to launch across both insurance and non-insurance products. The role requires 7–10 years in the insurance industry, strong analytical skills, and a customer-centric approach. The successful candidate will work closely with insurers to develop new product propositions aligned with market needs.

Qualifications

• 7–10 years’ experience in the Insurance industry, ideally in product development or propositions management.
• Proven success in delivering market-relevant propositions across Middle East markets.
• Strong understanding of operations focusing on customer experience improvements.

Responsibilities

• Develop and own the product and proposition roadmap.
• Lead the development and enhancement of product propositions.
• Monitor product performance and maintain strong partnerships with insurers.

Skills

Product development

Insurance industry knowledge

Analytical skills

Customer-centric approach

Communication skills

Education

Bachelor’s degree in Business, Insurance, or Actuarial Science

Professional qualifications (e.g., ACII)

Job description

Head of Product Development - Consumer / Retail Lines

Head of Product Development - Consumer / Retail Lines

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General Overview :

Our client, a leading Insurance service provider is looking to hire a Head of Product & Propositions for their team in Dubai, UAE. The successful candidate will drive the end-to-end development and delivery of both Insurance and Non-Insurance product propositions for the business. You will also oversee the product lifecycle from concept to launch, including rate reviews, portfolio management, working cross-functionally to align propositions with customer needs, operational capabilities, regulatory requirements, and partner inputs.

The role plays a pivotal part in helping the organization enhance customer value, streamline operational execution, and scale its market presence across the GCC, driving profitable revenue to meet budget. The Head of Product & Propositions will also act as a key commercial and technical interface across the business and maintain relationships with Insurers and Reinsurers.

Key Responsibilities :

Product & Proposition Management

• Develop and own the product and proposition roadmap in line with operational strategy, business objectives, and budgets.
• Identify emerging customer and distribution partner needs through structured research and internal feedback.
• Lead the development and enhancement of product propositions – from ideation and pricing to operational delivery.
• Maintain and upgrade existing products, ensuring they remain relevant, competitive, and compliant.
• Build custom products and propositions for unique partners, affinity groups or other distribution channels.
• Monitor product performance through MI reporting, claims analysis, and portfolio-level insights.
• Identify trends in loss ratios and recommend or implement actions to improve performance.
• Maintain strong working relationships with Insurance and assistance partners to negotiate and finalize product terms and service delivery standards.
• Serve as the central liaison with Insurers and Reinsurers across markets to ensure feasibility, sustainability, and regulatory adherence.
• Conduct regular partner and broker visits to identify new business opportunities, promote products, and understand evolving partner needs.
• Deliver training to internal teams and external partners to ensure clarity around product features, claims processes, and underwriting guidelines.

Insights, Compliance & Market Monitoring

Analyse product performance metrics, claims ratios, and customer feedback to inform iterative improvements.

Monitor regional market developments, competitor activity, and innovation trends to ensure the organization maintains product leadership.

Ensure all products comply with relevant regulatory frameworks and internal governance standards.

Experience & Qualifications :

7–10 years’ experience in the Insurance industry, ideally with a background in product development, underwriting, or propositions management.

Strong understanding of Insurance product design, pricing, and delivery mechanisms – particularly in the travel, pet, home and lifestyle / consumer segments.

Experience in building gross rating from first principles and working with Reinsurers on pricing and structuring.

Proven success in delivering market-relevant propositions across the Middle East, especially UAE and GCC markets.

Strong understanding of operations, with a focus on enhancing customer experience, improving processes and system integrations.

Bachelor’s degree in Business, Insurance, or Actuarial Science; professional qualifications (e.g., ACII) are advantageous.

Structured thinker with a pragmatic, execution-focused mindset.

Strong engagement skills, with the ability to coordinate across technical, commercial and operational teams.

Excellent analytical skills and ability to interpret performance data.

Strong underwriting knowledge with the ability to build technical rates and support product profitability.

Customer-centric approach with experience in digital and assisted distribution channels.

Effective communicator, fluent in English; Arabic is a plus.

Comfortable working in a dynamic, growth-oriented environment with evolving priorities.

Seniority level

Seniority level

Mid-Senior level

Employment type

Employment type

Full-time

Job function

Job function

Other

Industries

Insurance

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