Management of Resources
Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
Take appropriate disciplinary measures as required
Facilitate induction of new staff within one month of joining the organization
Ability to lead and motivate cross-functional teams, ensuring effective collaboration toward product objectives
Capacity to influence and drive change across the organization

Product Development & Strategy:
Develop, design, and launch non-life insurance products, such as health, motor, property, liability, travel insurance, and other, based on market research and customer insights.
Manage the product impact on the system offering processes, front end processes, sales conversation and account management.
Perform competitor analysis to understand market positioning and identify product opportunities.
Responsible for the end-to-end product offer process.
Apply critical thinking in cross-functional process analysis and problem resolution for new and existing products
Monitor ongoing operational product performance i.e. customer impact, systems, offers, sales, risk, staff perception to identify business challenges and opportunities and drive solutions to addresses/capitalise on them.
Manage the legal documentation received by customers (pre-agreements, information letters, terms and conditions etc.) by coordinating across functions of Legal; IT; Compliance; Retail operations.

Market and Customer Insight
Create and maintain productive relationships with internal and external clients by providing advice and assistance.
Create understanding of the ‘real’ versus ‘perceived’ need through, experience and expertise while complying with company policies, legislation and regulations.
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
Always build a positive image by exceeding client expectations
Treat internal and external customers fairly

Cross-functional Collaboration
Ability to work effectively with diverse teams (underwriting, claims, sales, marketing, legal, etc.) to drive product success.
Strong interpersonal and communication skills to facilitate collaboration and align stakeholders with product goals.
Leadership in guiding internal teams through the product development and launch process.
Work across partnerships, vendors, cell captives and other external parties representing insurance at the most senior level.

Strategic Thinking & Business Acumen
Ability to align product development with company strategy and market opportunities.
Understanding of financial performance metrics, profitability analysis, and cost control.
Strong strategic planning skills, with the ability to manage the entire product lifecycle.

Project Management & Execution
Proven ability to manage multiple projects simultaneously, ensuring deadlines are met.
Competency in product development methodologies (e.g., Agile, Waterfall).
Strong organizational skills, including the ability to prioritize and allocate resources effectively.

Regulatory & Compliance Knowledge
Expertise in understanding and implementing regulatory frameworks and compliance standards relevant to non-life insurance.
Ability to monitor and adapt products to changing local and international regulations.
Experience in liaising with regulatory bodies to ensure timely approvals.

Financial Management & Profitability Focus
Ability to assess the financial performance of insurance products, including profitability and loss ratios.
Skills in budgeting, forecasting, and cost management for product development.
Understanding of pricing models and their impact on profitability and market competitiveness.