Product Analyst

Jobtailor; São Paulo; Presencial; BRL 180 000 - 300 000; Tempo integral

Resumo da oferta

Jobtailor is seeking a seasoned life insurance product leader focused on surrender value. You will drive decision‑making, coordinate with legal, marketing, and operations, and ensure regulatory compliance across CNSP and SUSEP frameworks.

You will develop clear product rules, oversee testing, prepare comprehensive specifications, and guide technology teams through changes. Strong communication and ownership are essential in this high‑impact role.

Qualificações

• Bachelor's degree or higher in related fields and strong exposure to Life Insurance products.
• Experience with Life Insurance with Surrender, including rules, taxation and regulatory aspects.
• Solid knowledge of CNSP/SUSEP regulations and current legislation.
• Excellent MS Excel and PowerPoint skills for executive presentations.
• Clear and assertive communication, analytical mindset and proactive problem solving.
• Experience in multifunctional roles within dynamic environments and strong ownership mindset.

Responsabilidades

• Act as the technical and functional product reference for Life Insurance with Surrender Value.
• Lead implementation of product rules across development, maintenance, redesign or launch.
• Provide consultative interface with internal clients clarifying policy details and business rules.
• Lead system homologations and evaluate technical specifications and regulatory compliance.
• Prepare and validate contractual documents ensuring SUSEP compliance.
• Develop and maintain policy and procedure manuals for governance and efficiency.
• Study new products including profitability, feasibility and regulatory updates.
• Produce executive materials and strategic presentations for governance bodies.

Conhecimentos

Microsoft Office

PowerPoint

Formação académica

Actuarial Science

Law

Business Admin

Economics

Finance

Engineering

Project Management

Ferramentas

Microsoft Office

PowerPoint

Descrição da oferta de emprego

Responsibilities

• Act as the technical and functional product reference within the Life and Credit Product Development management, especially for Life Insurance with Surrender Value, supporting internal areas and leadership in decision-making;
• Lead and ensure the implementation of product rules in development, maintenance, redesign or launch processes, ensuring compliance with current legislation (CNSP, SUSEP, civil and consumer law);
• Provide consultative and strategic interface with internal clients (CVP, Caixa Seguridade and corporate areas), clarifying technical questions about products, contractual clauses, surrender structures, taxation, provisions, eligibility and business rules;
• Lead and validate system homologations (system testing), evaluating technical specifications, complex surrender scenarios, portability, cancellations and system behavior, ensuring regulatory and operational compliance;
• Independently prepare, review and validate General, Special and Particular Conditions, proposals and contractual documents, ensuring clarity for the client and full compliance with SUSEP regulations and other applicable legislation;
• Develop, review and maintain policy, rules and procedure manuals, promoting standardization, governance and efficiency in product, underwriting and operations processes;
• Conduct in-depth studies of new products, including market benchmarking, profitability analysis, technical and system feasibility, surrender structure, portfolio experience and analysis of results submitted to SUSEP;
• Produce executive materials and strategic presentations for committees, board of directors, shareholders and governance bodies, supporting decisions on product launch, continuation or termination;
• Prepare and validate complete functional product specifications, defining detailed business rules to guide technology teams in maintenance, enhancements and new implementations;
• Play a lead role in communications briefings with marketing, training and commercial channels, ensuring correct technical translation for external and internal materials;
• Continuously monitor product lifecycle, analyzing performance, operational feedback, regulatory risks and improvement opportunities;
• Lead and record alignment minutes and multidisciplinary forums, acting as the focal point between product, technology, commercial, legal and operations.

Requirements

• Bachelor's degree in Actuarial Science, Law, Business Administration, Economics, Finance, Engineering, Project Management or related fields;
• Proven solid experience in Life Insurance with Surrender, including eligibility rules, surrenders, taxation, technical provisions and regulatory aspects;
• Substantial experience in the insurance market, with strong knowledge of current legislation (CNSP/SUSEP);
• Proficient in Microsoft Office, with emphasis on:
• Advanced PowerPoint, focused on executive and management presentations;
• Clear and assertive communication skills, including for technical and executive presentations;
• Mature critical judgment, analytical mindset and ability to propose innovative solutions;
• Experience working in multifunctional roles in dynamic, collaborative and high‑complexity environments;
• Strong ownership mindset, responsibility and autonomy for decision‑making;
• Excellent organization, planning and self‑management skills;
• Proactive, resilient and results‑oriented profile;
• Ability to identify complex problems, structure analyses and propose effective solutions;
• Continuous interest in innovation, regulatory updates, new methodologies and market tools.

Core Competencies

Demonstrates expertise in Life Insurance with Surrender, ensuring compliance with CNSP and SUSEP regulations while leading product development and implementation processes. Proficient in preparing functional specifications and conducting market analysis to support strategic decision‑making.