Ensure risk assessment processes through management, strategy development and analysis of insurance proposals to guarantee compliance with the company’s credit and risk policies;
Support the commercial, claims, customer service and sales teams through meetings, training and technical guidance;
Participate in credit committees with executives and the underwriting team to decide on risk acceptance;
Conduct client visits and roadshows to structure new business opportunities;
Propose development of new features in Pottencial’s product system through meetings, technical guidance and validation of automated processes;
Liaise with reinsurers and coinsurers on insurance proposals for facultative placements and special acceptances, and participate in negotiations for reinsurance contract renewals;
Define strategies and performance indicators for automated underwriting models to scale operations and mitigate risks;
Define and approve policies and standard operating procedures;
Ensure compliance and execution of the guarantee issuance process by applying technical standards to meet targets and ensure business profitability;
Manage information on outstanding premiums for the Guarantee and Lease Surety products, with autonomy to make case-by-case decisions and actions to prevent defaults in the portfolio;
Manage and ensure the pricing policy for Guarantee and Lease Surety products for corporate (PJ) and individual (PF) customers, aiming to establish commercial terms for brokers;
Manage the policy cancellation process and premium refunds for all products;
Manage the onboarding/registration process to ensure compliance with technical standards, internal policies and service level agreements (SLAs);
Manage individual underwriting for the Lease Surety product, participating in the development of strategies, policies and risk/credit approval processes to ensure product profitability and lower loss ratios for the company;
Requirements
Bachelor’s degree or equivalent;
Advanced MS Office skills;
People management experience;
Business management skills;
Commercial management experience;
Performance/metrics management;
Preferred – Advanced knowledge of insurance rules and regulations;
Preferred – Advanced knowledge of regulatory bodies;
Benefits
Meal voucher (R$ 997.70 / month);
Food allowance (R$ 771.13 / month);
Bradesco Health Plan (Apartment coverage);
Bradesco Dental Plan;
Profit-sharing (PLR);
Alelo Christmas basket voucher (R$ 771.13);
Life insurance;
Childcare or nanny subsidy (R$ 502.29 for children up to 6 years);
6-month maternity leave and 20-day paternity leave;
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