Product Consultant à Émirats arabes unis

We are recruiting a Head of Product & Propositions to join an insurance solutions provider in Dubai.

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.

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.

• 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

• 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

• 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

• 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

• 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

• Competitive salary
• Employee benefits as per the UAE Labour Law