Head of Package FBL H/F

aig; Courbevoie; Sur place; EUR 90 000 - 120 000; Plein temps

Résumé du poste

AIG is looking for a Head of Package for the FBL Cluster involving France, Belgium, and Luxembourg. This role is responsible for developing and executing the multiline P&C product strategy, managing P&L, and fostering broker and client relationships.

Candidates should have over 10 years in the insurance industry with significant experience in P&C solutions, and a focus on delivering digital products. Fluency in French and professional English is essential.

Qualifications

• 10+ years of experience in the insurance industry, with at least 5 in multi-line P&C solutions.
• Proven track record of managing P&L successfully.
• Experience delivering digital products through both internal and external platforms.

Responsabilités

• Develop and execute multiline P&C product strategy in the SME business segment.
• Ensure sustainable profitable growth and maintain underwriting discipline.
• Manage relationships with brokers and clients while achieving financial targets.

Connaissances

Insurance industry experience

P&L management

Commercial acumen

Digital products delivery

Negotiation skills

People management and leadership

Fluency in French and professional English

Description du poste

Make your mark in Underwriting

AIG underwriting teams help find insurance solutions in areas including Financial Lines, Property, Casualty, Specialty Lines, Cyber, Multinational Clients, and High Net Worth individuals. We are reimagining how we help customers manage risk, transforming our operating model, and reshaping our role responsibilities and career pathways. The goal is to unlock the full potential in each colleague – empowering them to grow as insurance professionals and add more value to our customers and AIG.

About The Role

The Head of Package for the FBL Cluster (France, Belgium, Luxembourg) will develop and execute the multiline P&C product line strategy, in the SME business segment, in accordance with the Package Regional product strategy, underwriting framework and pricing guardrails. This role will have overall responsibility for FBL Product P&L.

Delivering sustainable profitable growth results, as well as strong broker & client relationship while continuing to innovate from both product and underwriting standpoint will define your success in this exciting role.

Key Accountabilities

Sustainable Profitable Growth

• Setting and implementing FBL Package Strategy within EMEA regional framework
• Planning & achieving FBL Package budgeted financial performance and growth targets, prioritizing portfolio optimization and margin improvement measured by UW Profit, NPW, AYCR (incl. CAT) and Expense Ratio.
• Ensuring UW discipline as cornerstone of achieving profitable growth & targeted LR through controls, portfolio monitoring, steering, regular actuarial assessment of claims trends and adjusting rates accordingly
• Maintaining risk selection in adherence with product guidelines and for achieving rate, renewal retention and new business goals.
• Portfolio steering towards preferred segments & identifying and developing action plans to address under‑performing segments of the portfolio and/or under‑performing producers / distribution channels
• Conducting referrals within the delegated authority & ensure adherence to all underwriting guidelines and maintaining underwriting excellence.
• Managing the Renewal portfolio in a proactive manner by consolidating and analysing various reports and maintaining budgeted renewal retention for Package

Steering Package CAT Exposure

Developing & managing product & UW rules for various distribution channels e.g. AIG Platform, DUA Partnerships

Identifying white spaces & expansion potential

Recognizing and creating cross selling opportunities for other AIG General Insurance products.

Coordinate with claims department in relation to various loss trends, transactions with claims and implement the required necessary system and product controls to maintain the budgeted loss ratio.

Focusing on managing Package expenses, direct and indirect ones

Ensuring regulatory and legal compliance across the Package business

Identifying future industry trends, understand how they will impact our client’s business and developing new strategies around those trends.

Operational Excellence & Expense Management

• In collaboration with Operations and other Functions continue to harmonize, streamline & automate the Product processes /workflows, enabling data quality & integrity and great customer serving
• Working on flexibility to transact Package business digitally through AIG Portals, APIs, DUAs/MGAs with adequate oversights & booking
• Maintaining and enhancing the online platform products & UW path to ensure fit to market and AIG top and bottom‑up goals

Outstanding Broker and Client Relationship

• Define Package distribution strategy
• Developing & nurturing a sound broker & other distribution partners relationship
• Providing regular broker visits and training regarding Package offerings to increase AIG presence in the marketplace.
• Identifying opportunities to establish trading relationships with new producers and to promote AIG’s Package capability and product suite to external stakeholders in collaboration with Client & Broker Engagement and other profit centers
• Consistently providing excellent underwriting service and ensure quick responses to our brokers/partners.
• Setting & Managing MGA/DUAs collaboration for Package Solutions
• Negotiating effectively to successfully close new opportunities.
• Conducting business ethically, in accordance with the code of conduct, compliance guidelines, underwriting guidelines

Skills & Experience Required

• +10 years in the insurance industry, with experience in multi‑line P&C solutions 5+ years
• Proven track of successfully managing P&L
• Track record of turning around or scaling portfolios
• Market insights on SME P&C segment in FBL
• Commercial Acumen
• Delivering digital products through internal and external platforms
• Working with MGAs/DUAs
• Ability to effectively interact, communicate and build trusting partnerships with all levels of applicable external and/or internal business partners within the scope of responsibility.
• Capable of operating with understanding and influence across other lines of business
• French (native language) – professional English
• Proven ability to successfully negotiate on all levels and develop broker relationships.
• A strong track record of service orientation and teamwork.
• People management and leadership skills
• The ability to work independently and cohesively in a team environment in conjunction with service staff, risk engineering and field marketing claims employees.
• Ability to adapt to changing priorities and thrive in a dynamic and fast‑paced environment.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.

AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to [e-mail].

UW - Underwriting
AIG Europe S.A. (France branch)