Senior P%26C Retail Manager - (M/F) - (Job Number: 2400064V)

Whatever their stage of life, we provide over 108 million customers with the products and services they need to progress. From insurance to personal protection, and savings to wealth management, no matter the need we’re always there for them. And we’re always there for our employees. In 50 countries, we work hard to inspire pride and a sense of belonging in our people. To provide opportunities that challenge them, inspire them, and reward them. And to create a culture that’s open, supportive, and empowering. Because we know that’s the real secret to success – and the best way for us to keep building a better world for both our customers and the talented people who put them first. Your 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. Within the Group, you will join the Group Underwriting Office department (GUO). Your job and daily missions: JOB PURPOSE The purpose of the position is to drive Technical Excellence in Retail UW with entities worldwide, supporting them in driving growth & profit. This position promotes a strong alignment between central functions to streamline review processes and requests. The list of activities can be summarized as follows: Entity responsibility and continuous engagement with a set of monthly KPIs to be able to steer, challenge and support the Entity to detect potential deviations from Budget, supporting profit or premium recovery programs with the use of proper toolkits; Participation in PMP and in Cycle management, both to be deployed into the entities; Support the entity in the implementation of High granularity reports as part of portfolio performance review, leveraging on existing performance tools; Ad hoc Monitoring and steering portfolio profitability according to Entities’ needs (prodrome to Preliminary Reviews); Improve discount management and sales steering, adding two dimensions: customer and intermediaries at Entity level; Reduce UW leakage and Distribution Coverage Analysis to be deployed at Entity level; State-of-the-art underwriting approach and model, with commercial view embedded in the pricing strategy, enabling fast feedback loops from the market; High use of internal and external data, including innovative technologies. DIMENSIONS Main Figures: 20+ countries / entities as well as 3 regional hubs (EM, AMIH and AMO). €49bn of revenues in scope (49% of the whole AXA Group revenue): €17bn of revenues in P&C Retail & Partnerships. €32bn of revenues in P&C Commercial & Partnerships. 70+ requests for Underwriting non-authorized business per year, representing GWP ~€2bn. KEY ACCOUNTABILITIES The senior leader will receive yearly targets based on the following accountabilities: Implement State-of-the-art underwriting approach and model. Lead In-Depth Reviews (IDR) & Technical Reviews (TR) recommendations within his scope of responsibilities. Participate in PMP development. Provide High granularity reports as part of portfolio performance review, leveraging on existing performance tools. Launch Profit or Premium Recovery programs according to results from monitoring activities. Ad hoc Monitoring and steering portfolio profitability. Improve discount management and sales steering. Reduce UW leakage. High use of internal and external data, including innovative technologies. Analyse and interpret a set of data from different entities in order to help Entities to address specific actions. Work in close contact with cross-functional teams for developing a good understanding of the cycle management. The ideal candidate needs to have a wide experience in the Insurance P&C market, with a good understanding of the underwriting cycles and the major topics involved. Technical skills: Around 8/10 years Underwriting experience in Retail Lines of Business. General knowledge of Retail Lines insurance Products and client segments, incl.: Easy manipulation of complex financial figures (Current Year Combined Ratio, All Years Combined Ratio, attritional LR, GWP, GEP, Economic Capital, Economic Combined Ratio…) connected to insurance activity monitoring. Reinsurance knowledge (Treaties and facultative). Experience working in complex environments. Experience in Project Management is essential. Knowledge of programming (such as SAS, or other AI languages) is not essential but skills in Microsoft tools is crucial. Soft skills: Natural leadership. Able to develop structured argumentation to sell ideas and convince various types of stakeholders (different hierarchy levels and business background). Able to deliver high-level presentation in front of senior management or entities CEOs. Agility to work in a multifaceted P&C world (Local vs Group, Small vs Large entities, worldwide underwriting cultures). Always customer minded while promoting strong Technical excellence in UW. Good negotiation skills. DECISION BODIES AND COMMITTEES Group Lob committees: Provide expertise on Group referrals. Support the Underwriting community fostering profitable growth and technical excellence. P&C Retail committee: Support AXA transformation strategies setup. Support entities in their transformation journey. Why AXA? Every day, we work together for human progress by protecting what matters. A mission that puts a smile on your face and makes you want to get up in the morning! One of the world's leading insurers in the protection of property, people and assets, AXA is 145,000 employees and contributors who are committed to our customers on a daily basis, 51 countries in which we distribute our products and services and more than 90 million customers who place their trust in us worldwide. As a responsible corporate citizen, AXA is committed to social and environmental causes on a daily basis. We are committed to an inclusive policy that recognizes and values individual differences. Do these ambitions speak to you? Then come and change the world with us! The headquarters of the AXA Group is based in Paris - La Défense (Majunga Tower) and brings together the Group's corporate activities. It is distinguished by its strong international culture. You will join: A responsible company, towards people, including its employees and customers, and towards the planet. A company with strong values. A company promoting internal mobility and the training of its employees. A company offering many benefits (learn more here: Reward & Benefits | AXA Group). A flexible company, allowing hybrid work, in the office and from home. The information provided by applicants will be treated as strictly confidential and used for recruitment purposes only. #J-18808-Ljbffr