Head of Product & Propositions

Decision Management Consultants LLC; Dubai; On-site; AED 200,000 - 300,000; Full time

Job summary

A pioneering technology company in Dubai is seeking a Head of Product & Propositions to lead product development in the insurance sector. The role involves driving product life cycles, enhancing customer experiences, and ensuring compliance with regulatory standards. Ideal candidates will have 7-10 years of insurance experience and a solid understanding of product design and delivery. Competitive salary and benefits are offered as per UAE labour law.

Benefits

Competitive Salary

Employee Benefits as per the UAE Labour Law

Qualifications

• 7–10 years of experience in the insurance industry, ideally in product development.
• Strong understanding of insurance product design and pricing.
• Proven success in delivering market-relevant propositions in the UAE.

Responsibilities

• Develop and own the product and proposition roadmap.
• Monitor product performance and identify trends in loss ratios.
• Maintain strong working relationships with insurance partners.

Skills

Product development

Insurance industry knowledge

Customer experience enhancement

Process improvement

Market analysis

Education

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

Professional qualifications (e.g., ACII)

Job description

We're recruiting a 'Head of Product & Propositions' for our client to join an insurance solutions provider in Dubai.

About Our Client :

Our client is a pioneering technology company based in Dubai, committed to transforming the insurance industry through innovation. They have developed a cutting-edge technology platform designed to deliver real-time, data-driven insurance solutions that streamline processes, enhance customer experience, and enable rapid decision-making.

Key Responsibilities :

The Head of Product & Propositions is responsible for the end-to-end development and delivery of both insurance and non-insurance product propositions for the company. This role drives the product lifecycle from concept to launch, including rate reviews and portfolio management, while working cross-functionally to align propositions with customer needs, operational capabilities, regulatory requirements, and partner inputs.

The role plays a pivotal part in enhancing customer value, streamlining operational execution, and scaling the company’s market presence across the GCC — all while driving profitable revenue to meet budgetary goals.

The Head of Product & Propositions will act as a key commercial and technical interface across the business and will maintain relationships with insurers and reinsurers.

Product & Proposition Management :

• Develop and own the product and proposition roadmap in line with operational strategy, business objectives, and budget
• 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 tailored to unique partners, affinity groups, or other distribution channels

Portfolio Management :

Monitor product performance through MI reporting, claims analysis, and portfolio-level insights

Identify trends in loss ratios and recommend or implement corrective actions to improve performance

Partner & Market Engagement :

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 product 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 on product features, claims processes, and underwriting guidelines

Insights, Compliance & Market Monitoring :

Analyse product performance metrics, claims ratios, and customer feedback to support ongoing product improvements

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

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

Requirements

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

7–10 years of 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 rates from first principles and collaborating with reinsurers on pricing and structuring

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

Solid understanding of insurance operations, with a focus on enhancing customer experience, improving processes, and integrating systems

Benefits

Competitive Salary

Employee Benefits as per the UAE Labour Law