Head of Long Tail Underwriting Commercial Lines - (M / F)

AXA; Puteaux; Sur place; EUR 85 000 - 110 000; Plein temps

Résumé du poste

Une société de services financiers recherche un Responsable de la Souscription Long Terme au sein de son bureau de souscription. Ce poste exige une connaissance approfondie des opérations P&C, une solide expérience en leadership et la capacité d'assurer une croissance rentable. Le candidat idéal devra manager des équipes transversales et collaborer efficacement avec de multiples parties prenantes. Des compétences en réassurance et en gestion des risques sont également nécessaires.

Qualifications

• Expérience significative dans les opérations P&C, y compris la souscription et la tarification.
• Compétences organisationnelles solides pour gérer plusieurs aspects.
• Capacité à orienter la stratégie P&C au niveau Groupe.

Responsabilités

• Définir les directives de souscription pour le secteur commercial Long Terme.
• Contribuer aux normes du Groupe et aux politiques de solvabilité.
• Assurer la supervision des lignes Long Terme au sein du Groupe.

Connaissances

Connaissance approfondie du secteur P&C

Compétences en gestion d'équipe

Expertise en réassurance

Capacité à gérer des interactions avec de multiples parties prenantes

Description du poste

Overview

Travailler pour AXA, c’est faire partie d’une grande famille et aussi l’opportunité de rejoindre un des leaders de l’assurance et de la gestion d’actifs dans le monde.

Nous aidons nos 94 millions de clients à traverser les petites et grandes difficultés de la vie. Chaque jour, nous agissons ensemble pour inventer la meilleure manière de les protéger et voulons donner à chacun les moyens de vivre une vie meilleure.

Un challenge qui donne le sourire et envie de se lever le matin !

Our Commitment to People

Chez AXA, nous sommes persuadés que pour bien prendre soin de nos clients, nous devons commencer par bien prendre soin de nos collaborateurs. C’est pour cette raison que nous menons une politique RH engagée qui favorise ladiversité, qui préserve l’équilibre vie privée-vie professionnelle et accélère le développement des compétences et des carrières.

Work Environment

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.

Role Summary

Within the Group, you will join the Group Underwriting Office as Head of Long Tail Underwriting – Commercial Lines. The newly created Group 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 the following focus areas:

• 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

Key Business Focus

The P&C business line is in the core of the organizational structure of the AXA Group and operates in 20+ territories, with a wide mix of operating models, market shares and stages of development.

To maintain alignment within the organization, the Group Head of Long Tail Underwriting for P&C Commercial lines is responsible for ensuring a sustainable and profitable growth of AXA P&C commercial lines long tails activities worldwide, promoting technical excellence. This encompasses underwriting, PAP (Product approval Process), PMP (Portfolio Management Process), and requires strong and tight cooperation with claims management, reserving, cat modeling and reinsurance cover.

Structuring the 1st line of defense organization and missions by developing, facilitating, and monitoring an effective P&C Commercial Lines Underwriting framework for Long Tail lines of business.

Primary Areas of Responsibility

• Premises and operations liability
• Products and completed operations liability
• Motor
• Workers’ compensation and employers’ liability
• Management liability
• Professional liability
• Marine liability
• Aircraft liability
• Environmental liability

Group Casualty exposures amount to ~€15,000 Billion and ~€6 Billion GWP.

The P&C Group Head of Long Tail Commercial Lines is responsible for Cyber Insurance line of Business, both for retail and commercial client segments Group Cyber affirmative exposures amount to ~€2,000 billion.

Your Job and Daily Missions

• Define the Group Underwriting guidance for Long tail business and promote technical excellence via information and training to entities / region and professional families.
• Contribute to the P&C AXA Group Standards and P&C Solvency 2 policies.
• Define the P&C commercial Long Tail Underwriting guidelines.
• Contribute to the Gross Underwriting Limits (GUL) for Group and local entities or regions / markets (setting and usage).
• Participate in underwriting decisions for cases referred to Group (Group ARCC).
• Participate in Technical working groups with other Group functions, entities & markets.
• Ensure the global supervision of the Long Tail lines and step-up entities’ expertise to contribute to business development through underwriting, supporting Group and entities’ growth ambition while maintaining strong profitability focus.
• Develop the Group’s technical practices and culture together with GUO other functions, notably Pricing / PMP, Claims & Reinsurance and local Technical professional families.
• Contribute to improving accumulation models accuracy, in notably bridging the technical modelling capabilities, the underwriting expertise and the entities’ exposure footprint across geographies.
• Identify needs, develop, and propose relevant trainings to support attainment of required technical skills.
• Identify best practices and organize sharing / training sessions with the different entities’ business families.
• Ensure that the development of products is sustainable and profitable via the Product Approval Process (PAP) and provide support to entities when needed.
• Develop and propose trainings to upgrade portfolio and products monitoring processes.
• Control entities / region through regular technical audits (e.g., In-Depth Reviews, Technical Reviews, Preliminary Reviews).
• Ensure understanding and alignment of the P&C entities’ governance with the Group Standard, Solvency II policies and Underwriting guidelines.
• Control and measure entities’ underwriting maturity (expertise, discipline, controls).
• Challenge the Underwriting Strategic thinking to support a sustainable profitable growth within entities.
• Participate upon request on Reserves Review Process to feed the Group Reserving team with Long Tail Lines of Business elements of context regarding Cycle, UW historical vision vs UW future developments and portfolio mix evolution that could influence to reserves development but not yet observed in Claims triangles.
• Drive the transformation of systemic risks management by improving the monitoring of the Group's exposures as part of the CLEAR project.
• Identify key systemic risk factors and propose transformation strategies to ensure robust Underwriting discipline and risk appetite compliance.
• Support entities to identify and set their transformation plans and operational transformation journey.
• Conduct technical capabilities assessment projects with internal and external providers to identify and propose technical tools to support entities in their transformation journey through digitalization and automation of contracts review.
• Contribute to Mergers & Acquisitions operations related to P&C Commercial Lines business.

Our Commitment to Diversity and Inclusion

Nous menons une politique inclusive engagée pour reconnaître et valoriser les différences individuelles.

Additional Information

Le siège du Groupe AXA est basé à La Défense (Tour Majunga) et regroupe les activités corporate du Groupe. Il se distingue par une forte culture internationale.

What You’ll Need to Succeed

• In-depth comprehensive knowledge and experience of P&C business operations, including Underwriting, Pricing, Claims, Reserves and Reinsurance.
• Advanced knowledge in P&C actuarial and underwriting fields.
• Good understanding of processes to efficiently manage the decision to be taken in the different committees or boards.
• Solid interpersonal and organizational skills as it is essential to successfully manage multiple aspects and interactions with numerous internal and external stakeholders.
• Persuasive opinion to challenge and orient the P&C strategy and operations at Group or Entity level.

Technical and Professional Skills

• Deep knowledge of various liability insurances, policy wordings, pricing and modeling approach (including accumulation control).
• Strong management skills.
• Easy manipulation of complex financial figures connected to insurance activity monitoring.
• Reinsurance knowledge (treaties and facultative).
• Recognized Expertise in loss prevention and risk engineering.

Soft Skills

• Natural leadership.
• Able to develop structured argumentation to sell ideas and convince various types of stakeholders.
• Able to deliver high-level presentations in front of senior management or entities CEOs.
• Agility to work in a multifaceted P&C world.
• Capacity to motivate and lead transversal teams, building collaborative working relationships, effective communicator, flexible.

Legal and Inclusion Statements

AXA is an equal opportunity employer. We encourage applications from individuals of all backgrounds and are committed to fostering a diverse and inclusive workplace.