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Surety Pricing ActuaryCompany: Munich Re Risk Solutions IrelandLocation: Madrid, SpainAt Munich Re Specialty – Global Markets (MRS-GM), it is our ambition to become the leading Primary Specialty Insurance provider, underpinned by an effective and adaptable strategy, superior products, and industry leaders working in a supportive environment.At the heart of our success is a strong culture where people are encouraged to be present, bold, and curious, allowing them to achieve their individual goals.We are currently looking for a Surety Pricing Actuary to be based in Madrid on a full-time basis, reporting into the Head of MGA Performance.This individual will provide full provision of actuarial pricing and performance management support to our newly launched Surety business under MRS-GM.In addition to the day-to-day tasks, the successful candidate will contribute to activities linked to the development and implementation of the strategy of Surety primary insurance.This role will work closely with the underwriting team supporting the Chief Underwriting Officer, Surety, as well as Heads of, Underwriters, and both the London and Munich Finance teams.Responsibilities:<ul><li>Responsible for designing and developing a world-class pricing tool for Surety business working closely with the European underwriting team.</li><li>Support the development and enhancement of technical and commercial pricing capabilities for the Surety products in Europe, with initial focus in Spain.</li><li>Assist underwriting teams with product design ensuring any changes are correctly priced.</li><li>Track price adequacy and performance and lead profitability exercises using modelling and reserving techniques, as required.</li><li>Conduct technical analyses, investigations (e.g. inflation), and independent deep dive reviews.</li><li>Stay current on market dynamics and actuarial developments, including frequency, severity, and exposure accumulation trends.</li><li>Present results to a variety of stakeholders to provide insight and recommendations on pricing and performance related results for the financial lines product.</li><li>Engage proactively and collaborate with relevant stakeholders, focusing on pricing and performance.</li><li>Conduct actuarial analysis to support the onboarding of additional territories or new MGAs for Surety business.</li><li>Participate in Munich Re Specialty projects and initiatives to improve modelling capabilities and streamline pricing processes.</li><li>Contribute to expanding the breadth of actuarial, modelling, and statistical techniques used across the team.</li></ul>Knowledge and Skills:<ul><li>Expertise in pricing Surety insurance, ideally with pricing knowledge of a range of financial lines.</li><li>Experience in working independently and managing senior stakeholders.</li><li>Proven experience with modelling and data used in credit-related products.</li><li>Good understanding of standard reserving methods for Surety.</li><li>Strong analytical skills and attention to detail, with a proven ability to work collaboratively with underwriters.</li><li>Foundational knowledge and understanding of global macroeconomics and financial markets.</li><li>Excellent written and verbal communication skills, including report writing and presentations.</li><li>Fluency in English is a must; other European languages are also an advantage.</li><li>Strong proficiency in Excel, actuarial pricing software, databases, and tools is indispensable.</li></ul>If you are excited about this role but your experience does not align perfectly with everything outlined, we encourage you to apply anyway.Diversity, Equity & Inclusion:At Munich Re, Diversity, Equity, and Inclusion foster innovation and resilience. We recognize diversity can be multi-dimensional, intersectional, and complex, and we want to build a diverse workforce that includes a wide range of identities and backgrounds.All candidates in consideration for any role can request a reasonable adjustment at any point in our recruitment process.Learning and innovating today, striving for sustainable societies and business tomorrow.At Munich Re Specialty – Global Markets, our approach to ESG is underpinned by our desire to seize business opportunities and nurture a stimulating and inclusive work environment.Apply now!

The Actuarial Function Holder (AFH) has a pivotal role within an insurance company. The Actuarial Function at Allianz Seguros must ensure the set-up of an appropriate control framework in line with the Allianz Integrated Risk and Control System for the validation of the key work products used for disclosure purposes. The AFH plays a critical role in reserving oversight, coordination of the calculation of technical reserves, pricing, and profitability oversight for Life/Health & non-Life portfolios.What you do<ul><li>Reserving Oversight: Provide leadership and direction for the reserving function, ensuring the integrity and reliability of reserve estimates for insurance liabilities. Develop and implement robust reserving methodologies, assumptions, and controls in accordance with regulatory requirements and best practices.</li><li>Opinion on Underwriting, Pricing and Product Development: The Actuarial Function forms an opinion about the adequacy and appropriateness of the pricing and underwriting policy.</li><li>Opinion on the Reinsurance Policy and Program: The Actuarial Function forms an opinion about the compatibility of the reinsurance process with the risk profile of the company, the adequacy and effectiveness under stress of the reinsurance program.</li><li>Contribution to Risk Management: The Actuarial Function contributes to the design, methodology, parameter, and assumptions of models used to determine the technical insurance risks component.</li><li>Actuarial Function Report (AFR): The Actuarial Function is obliged to provide a report on an annual basis, the Actuarial Function Report (‘AFR’). AFR addresses explicitly potential shortcomings that may have been identified in the relevant topics, including data quality and internal processes, and gives recommendations to solve them.</li></ul>What you bring<ul><li>Qualified Actuary with significant experience in reserving/pricing roles within the insurance or reinsurance industry, preferably at a senior level.</li><li>Extensive knowledge of actuarial principles, reserving/pricing techniques, and regulatory requirements applicable to insurance liabilities.</li><li>Strong leadership and communication skills, with the ability to effectively engage and influence stakeholders at all levels of the organization.</li><li>Proven ability to lead and develop high-performing teams, foster collaboration, and drive results in a dynamic and fast-paced environment.</li><li>Advanced proficiency in actuarial modeling, statistical analysis, and data manipulation using software tools such as Excel, SAS, R, or Python.</li><li>Strategic thinking and problem-solving abilities, with a focus on delivering innovative solutions to complex reserving challenges.</li><li>Commitment to professionalism, integrity, and ethical conduct in all aspects of actuarial work.</li></ul>The Actuarial Function Holder plays a critical role in ensuring the accuracy, adequacy, and compliance of reserve estimation processes. They provide strategic leadership and guidance to support the organization's financial stability and risk management objectives. The Actuarial Function Holder at Allianz Seguros will be reporting to the Chief Actuary of the company.

About the Role:In this role, you will work with colleagues in diverse functions including underwriting, risk management, reserving, portfolio management, credit portfolio analytics, and other Specialty pricing actuaries. You will contribute to activities linked to the elaboration and implementation of the strategy of Global Credit & Surety Reinsurance.You will be part of the C&S Product Centre Team and have ownership for Actuarial Themes in C&S Re, closely cooperating with Specialty Actuarial representatives, Actuarial support teams, and Credit Portfolio Analytics within Risk Management. In addition, you'll be responsible for:Actuarial business review<ul><li>Use actuarial and data science techniques to develop insights and trends that can be used for risk selection, differentiation, and costing improvements.</li><li>Conduct quarterly profitability reviews and LR projections, taking an independent view on current pricing and loss adequacy.</li><li>Stay current on market dynamics and actuarial developments, including frequency, severity, and exposure accumulations trends, and determine how such trends should be accounted for in costings.</li><li>Prepare and present detailed reports to senior management and underwriting teams.</li><li>Consultation or peer review of strategically important and complex transactions.</li></ul>Costing methodologies and parameters<ul><li>Regular assessment of costing methodologies, loss models, and costing parameters in accordance with Swiss Re Group standards and business needs.</li><li>Collaborate with team members to develop best estimate views and develop compelling recommendations.</li><li>Provide and maintain costing memos which document the best practices regarding the costing methodologies of various treaty types and coverages.</li></ul>Data and tool development<ul><li>Actively influence and contribute to underwriting tool development.</li><li>Oversee data collection, data procurement, and data curation for underwriting (e.g. exposure accumulation, ESG).</li></ul>About the teamThe C&S Product Centre ensures underwriting excellence across our business. We help steer the business according to strategic priorities, drive transformation of our tools and processes, and extensively advise the global team.We strive to enable the underwriters to strike the right balance between risk taking and gate keeping, with the client needs firmly in sight.About You:You're independent and accountable, adept at prioritizing tasks and consistently producing quality results on time. You help drive the team's success, proactively take actions, and are known for your openness and reliability, demonstrating good teamwork and intercultural capabilities.Your skills in promoting team cooperation, exchanging expert knowledge, and advocating collective endeavors are essential. You effectively convey your responsibilities, adjusting your methods to various situations and confidently explain and defend your contributions.Moreover, you excel at turning complex data into impactful visualizations for clear communication.Additional requirements:<ul><li>Seeking candidates with a Master's/Bachelor's degree or equivalent in actuarial science or related fields such as mathematics or physics.</li><li>3-5 years or more experience in (re)insurance pricing or related actuarial role.</li><li>Foundational knowledge and understanding of global macroeconomics and financial markets. Experience and knowledge of credit-related products will be preferred.</li><li>Strong analytical and quantitative skills, familiarity with statistical models, data science techniques, and programming (e.g., R, Python) is a bonus.</li><li>Fluency in English is a must; other languages like German, Spanish, or Portuguese are a plus.</li><li>Strong proficiency in Excel, actuarial pricing software, databases, and tools is indispensable.</li></ul>About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance, and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally.If you are an experienced professional returning to the workforce after a career break, we encourage you to apply for open positions that match your skills and experience.

Life Pricing ActuaryCompany: Munich ReLocation: Madrid, SpainThe Risk and Pricing regional department based in Madrid is responsible for providing Munich Re's businesses in the markets of Southern Europe (Spain, Portugal, Italy, and Malta) and Latin America with best-in-class actuarial and risk management services.We are looking for an Actuary to join the Pricing team, under the regional Head of Risk and Pricing, supporting the region in underwriting and pricing of life and health reinsurance business, with experience in pricing, product development, and risk management. In this role, the actuary will work closely with the client managers and the other business origination units in the development and implementation of a strategic business plan in reinsurance solutions, and various projects of the department.As a member of the regional Pricing team, the actuary will join a community of Life and Health actuarial experts across Europe and Latin America, and from a business perspective will report to the Actuarial Pricing Manager.Your Job<ul><li>Provision of technical services to clients with a focus on Latin America, including the Brazilian market, in coordination with the local staff, particularly for the acquisition of new business and the maintenance of existing business, with specific support to Client Management, Business Development, and Financial Reinsurance teams</li><li>Support in the derivation of the best estimate bases and their timely updating</li><li>Support for product development initiatives, in close cooperation with MR experts in Madrid, Munich, and London</li><li>Support in the monitoring and valuation of existing and new business</li><li>Execution of risk management processes, especially with high-risk business</li><li>Preservation, acquisition, and promotion of expertise and technical coordination, with a focus on international exchange</li><li>The position will be based in Madrid</li></ul>Your Profile<ul><li>University degree in statistics, mathematics, or actuarial science, ideally a fellow member of an internationally recognized Actuarial Association</li><li>Experience in life (re)insurance pricing, including life contingencies, probabilities, and reserving, ideally in different markets or products</li><li>Experience in modeling with the use of actuarial tools is a must, and knowledge of programming tools such as Visual Basic, R, Matlab, etc.</li><li>Fluent in Spanish and very good business English. Portuguese would be a plus</li><li>The candidate should demonstrate a high degree of:
 <ul><li>Independence and ability to set priorities</li><li>Motivation to work in teams and spread knowledge</li><li>Communication skills</li><li>Analytical skills</li><li>Personal responsibility and ownership</li><li>Ability to work under time pressure</li></ul></li></ul>About usAs the world's leading reinsurance company with more than 11,000 employees at over 50 locations, Munich Re introduces a paradigm shift in the way you think about insurance. By turning uncertainty into manageable risk, we enable fundamental change. Join us working on topics today that will concern society tomorrow, whether that be climate change, major construction projects, medical risk assessment, or even space travel.Together we embrace a culture where multiskilled teams dare to think big. We create the new and the different for our clients and cultivate innovation.Sounds like you? Push boundaries with us and be part of Munich Re.Unlock your potential<ul><li>Diversity, Equity & Inclusion: we embrace the power of differences and are convinced that diversity fosters innovation and resilience and enables us to act braver and better.</li><li>Continuous Learning: we believe that continuous learning is a key differentiator and critical for building new skills and accelerating growth.</li><li>Career Mobility: we actively support career mobility, and our strong global and regional presence offers a wealth of career growth opportunities for you.</li></ul>Rewards & Recognition<ul><li>Competitive salary: appropriate compensation for your high level of commitment.</li><li>Retirement provision: state-of-the-art in-house pension solutions.</li><li>Work-life balance: promoting the compatibility of family and work in addition to overall work-life balance.</li><li>Hybrid working: living the best of both worlds – we offer you a very flexible approach.</li></ul>If you are excited about this role but your experience does not align perfectly with everything outlined, or you don’t meet every requirement, we encourage you to apply anyway. You might just be the candidate we are looking for!

About the RoleThe Actuarial Science Intern must be able to provide support to our team and be interested in the reinsurance market, especially in the Life and Health department. As an Actuarial Science Intern, reporting to the L&amp;H Client Managers, you will support technical and actuarial aspects of the relationship with clients in our Iberian market.Together with our team you will:<ul><li>Support the maintenance of our pricing/costing basis.</li><li>Support build and develop models and tools to assist with costing processes.</li><li>Assist the pricing process, modelling new products and scenarios and helping prepare auditable documentation.</li><li>Support other actuarial related tasks within the team.</li></ul>About You<ul><li>Team player, with a high level of integrity.</li><li>Analytical and results-oriented working style.</li><li>Good collaboration and communication skills.</li><li>Mature and proactive; showing a high degree of own initiative.</li><li>Have a clear interest in, and understanding of, the re/insurance market (in particular Life and Health).</li></ul>Essentials:<ul><li>To be enrolled on a field related undergrad or master's degree – that allows you to apply for a part/full time internship (signed agreement with University / Business School).</li><li>High proficiency with common IT applications, especially MS Excel.</li><li>Spanish speaker with excellent level of business English as all our communications are in English.</li></ul>If you are a committed, organized, and positive standout colleague who enjoys working in a fast-paced environment with several deadlines and commitments, we will be happy to get to know you.About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property &amp; Casualty and Life &amp; Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work and their passion for sustainability.

Are you a critical thinker who likes to analyze complex topics and provide insights on risks? Do you enjoy working in a diverse team that employs innovative techniques and tools? Join us at Group Internal Audit and help us to advance Swiss Re's resilience.About the RoleAs a Senior Auditor with a focus on P&amp;C Actuarial topics in Group Internal Audit (GIA), you will have the opportunity to leverage your actuarial knowledge across end-to-end value chain while participating in a variety of audit activities. You will engage with senior management and heads of actuarial functions on a regular basis across multiple lines of business. At the same time, you will be challenged to learn more about risk management, claims, technical accounting, and regulatory environments.This role is an opportunity to deal with themes that have organizational impact and drive the risk culture of Swiss Re.Key Responsibilities<ul><li>Participate in a variety of audits, with a focus on actuarial functions, from beginning to end, owning your audit tasks within the agile audit team, and positively impacting the audit delivery.</li><li>Build and maintain relationships with senior management and engage with various stakeholders across the business.</li><li>Apply your expertise to contribute to the GIA audit plan.</li><li>Coach other members of the audit team on actuarial topics.</li><li>Challenge the audit teams to excel by acting as a role model.</li></ul>About the TeamGroup Internal Audit is an international team of auditors. Our vision is 'Advancing Swiss Re's Resilience'. We are problem solvers who lead from every seat, challenge the status quo, understand risk, and demonstrate that we are responsive to risk.We apply innovative and risk-focused techniques to ensure that our audit effort is proportionate to risk, and we continuously extend the use of data analytics and automation within our audit processes.About YouWe are looking for an inspiring person that is curious, a critical thinker, delivery-oriented and a team-player. You can communicate effectively in English and deliver in ambiguous situations. You are passionate about innovation and transformation.Essentials:<ul><li>5 or more years of experience in insurance and/or reinsurance industry.</li><li>Nearly qualified or qualified Property &amp; Casualty actuary</li><li>Experience in P&amp;C reserving and/or costing methodology for P&amp;C lines of business.</li><li>Understanding of IFRS 17 and/or US GAAP governance, processes, and controls.</li><li>Proficiency in English, written and spoken.</li></ul>Nice to Haves<ul><li>Prior experience with internal or external reviews and/or audits.</li></ul>About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work and their passion for sustainability.

This cross-functional expert position will interact with the individuals within the Continental Europe &amp; LATAM Business Performance teams as well as with the Finance and Markets teams and will be the integration bridge between all these teams to ensure coordination and seamless communication.The context of the market and the Forward 2026 strategic plan requires a good track of new business opportunities, some of them quite different from the traditional core nature of our portfolio as well as an excellent business in-force management.The follow up and monitoring of those is critical. To make a state-of-the-art local BA&amp;TA is key to assure that Forward 2026 strategic plan is met.Effective cross-functional coordination is essential for seamless collaboration among the different teams within the organization (closing, FP&amp;A, reserving…) to avoid duplication of effort and to ensure that all team members are working towards a common goal.ResponsibilitiesReporting to the Head of Business Performance Continental Europe &amp; LATAM, your responsibilities will be cross-functional:Closing coordination &amp; integration<ul><li>Support markets in their closing reviews and analysis by liaising with the Closing and Reserving teams to ensure adequate coordination.</li><li>Research and convey to the Finance team technical accounting issues, deviations that are identified during the closing reviews performed by Continental Europe &amp; LATAM teams.</li><li>Actively participate to the definition of the various activities to be performed to ensure the accuracy of the Continental Europe &amp; LATAM teams figures.</li><li>Create financial analysis / reports to validate actual earnings. Perform analysis to identify main drivers of variances to prior periods and to expected results.</li></ul>Plan coordination &amp; integration<ul><li>On a quarterly basis, produce figures summary with appropriate commentary on the key sources of deviation against plan for each market to support the EMEA FP&amp;A team.</li><li>Coordinate with Continental Europe &amp; LATAM and EMEA FP&amp;A teams the information needed to ensure accurate and timely delivery of the business plan figures.</li></ul>Business follow-up<ul><li>Facilitate analytical review of operational processing and output focusing on fluctuations in financial activity and operating standards.</li><li>Identify and research issues, draw conclusions, make recommendations, communicate, and summarize issues of significance.</li><li>Analyse and check technical provisions using the tools provided, share, and communicate with EMEA reserving team to ensure the plausibility (if needed).</li><li>Manage and resolve complex financial business issues and problems through research and interaction with internal departments.</li><li>Participate in ongoing process improvement efforts, identify opportunities to increase operational efficiency.</li></ul>Reporting stream<ul><li>Produce ad hoc analysis and reporting on defined perimeter for business follow-up &amp; performance. Consolidation of data and reports.</li><li>Develop a toolkit to easily produce any required split of various financials from these markets.</li></ul>Retrocession stream<ul><li>Ensure the management and accounting of specific external retrocession.</li></ul>IFRS17<ul><li>IFRS17 – Translation and explanation of the impacts of the projection modifications.</li><li>Quarterly follow-up of the IFRS17 KPI’s.</li></ul>Auditors<ul><li>Help defining the control framework for audit purposes and serves as liaison for internal and external audits requests for these markets.</li><li>Assists with internal and external audit requests as needed in a timely manner.</li></ul>Other duties<ul><li>Support the Head of Business Performance WELA with the timely communication on regular BAU activities (including ad-hoc business analysis), transformation activities as well as in the development of remaining IFRS17 solution.</li><li>Support transversal projects across the teams</li><li>Participate to ad hoc projects or workstreams as needed.</li></ul>QualificationsExperience and competencies<ul><li>From 3 to 5 years' experience in reinsurance (ideally insurance)</li><li>Strong accounting analysis and financial systems skills</li><li>Ability to identify, quantify and analyse problems, be able to relate them to the big picture: draw conclusions, recommend, and implement viable, measurables solutions.</li><li>Ability to handle priorities / projects concurrently.</li><li>Proficient PC skills in a Windows environment, including Excel, Access, Word &amp; Power Point</li><li>Have an extensive knowledge in Microsoft Office, Power BI and Business Object or SAP Web Intelligence.</li></ul>Personal competencies:<ul><li>Committed to meeting deadlines and delivering accurate results.</li><li>Attention to detail.</li><li>Excellent verbal and written communication skills; proven success communicating effectively at all levels of the organization.</li><li>Team spirit: be willing to work with other people</li><li>To be responsible, helpful, methodical, and multi-purposed.</li></ul>Required Education<ul><li>Actuarial degree</li><li>IFRS17 deep knowledge</li><li>Specialisation in data analysis would be appreciated.</li></ul>About usSCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art &amp; Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – from Life &amp; Health and Property &amp; Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

The Actuarial Function Holder (AFH) has a pivotal role within an insurance company. The Actuarial Function at Allianz Seguros must ensure the set-up of an appropriate control framework in line with the Allianz Integrated Risk and Control System for the validation of the key work products used for disclosure purposes and an appropriate control framework for other external and regulatory reporting. The AFH plays a critical role in reserving oversight, coordination of the calculation of technical reserves, pricing and profitability oversight for Life/Health & non-Life portfolios.What you do<ul><li>Reserving Oversight: Provide leadership and direction for the reserving function, ensuring the integrity and reliability of reserve estimates for insurance liabilities. Develop and implement robust reserving methodologies, assumptions, and controls in accordance with regulatory requirements and best practices.</li><li>Opinion on Underwriting, Pricing and Product Development: The Actuarial Function forms an opinion about the adequacy and appropriateness of the pricing and underwriting policy.</li><li>Opinion on the Reinsurance Policy and Program: The Actuarial Function forms an opinion about the compatibility of the reinsurance process with the risk profile of the company, the adequacy and effectiveness under stress of the reinsurance program.</li><li>Contribution to Risk Management: The Actuarial Function is contributing to the design, methodology, parameter and assumptions of models used to determine the technical insurance risks component.</li><li>Actuarial Function Report (AFR): The Actuarial Function is obliged to provide a report on an annual basis, the Actuarial Function Report (‘AFR’). AFR addresses explicitly potential shortcomings that may have been identified in the relevant topics, including data quality and internal processes, and gives recommendations to solve them.</li></ul>What you bring<ul><li>Qualified Actuary with significant experience in reserving/pricing roles within the insurance or reinsurance industry, preferably at a senior level.</li><li>Extensive knowledge of actuarial principles, reserving/pricing techniques, and regulatory requirements applicable to insurance liabilities.</li><li>Strong leadership and communication skills, with the ability to effectively engage and influence stakeholders at all levels of the organization.</li><li>Proven ability to lead and develop high-performing teams, foster collaboration, and drive results in a dynamic and fast-paced environment.</li><li>Advanced proficiency in actuarial modeling, statistical analysis, and data manipulation using software tools such as Excel, SAS, R, or Python.</li><li>Strategic thinking and problem-solving abilities, with a focus on delivering innovative solutions to complex reserving challenges.</li><li>Commitment to professionalism, integrity, and ethical conduct in all aspects of actuarial work.</li></ul>The Actuarial Function Holder plays a critical role in ensuring the accuracy, adequacy, and compliance of reserve estimation processes, while providing strategic leadership and guidance to support the organization's financial stability and risk management objectives. The Actuarial Function Holder at Allianz Seguros will be reporting to the Chief Actuary of the company.

We are looking for a highly motivated and versatile Pricing Analyst to join our Pricing Data Science team in the EO Insurance division of QBE.Pricing Data Science is comprised of a growing team of 30 Pricing and Data Science specialists supporting the pricing of $5 Billion of annual premium and working with Underwriters across the UK, Europe and Lloyd’s and London Markets.Our vision is to be the market leading Pricing Data Science team, working with Underwriters to deliver profitable business, investing in the development of every team member to build expertise in both insurance and data science and providing them with the tools and data that they need to excel in their roles.The Opportunity<ul><li>Work for a world leading insurer alongside experts in pricing, data science, insurance underwriting, claims, and information technology</li><li>Develop and deploy industry leading pricing and machine learning models into a $5 Billion book of business</li><li>Invest in your personal development with support to train and learn new skills</li><li>Utilise high quality data science lab environments including QBE’s Google Cloud Platform</li><li>Exposure to the London Market: the world’s largest and most complex insurance risks, and gain exposure to UK, European insurance, and Reinsurance sectors.</li><li>Competitive compensation, pension, training, and benefits.</li><li>Study support for actuarial exams and other relevant professional qualifications</li><li>Flexible working and no fixed requirement to be London based</li></ul>Your responsibilities for this role may include, but are not limited to:<ul><li>Work with the European Pricing lead and build strong relationships with underwriters across multiple product lines in our regional European offices and European Underwriting Managers</li><li>Be responsible for essential Case Pricing Interlocking with larger projects and planning vision</li><li>Fuse new data science techniques with traditional pricing methods to help form a market leading team of pricing data science professionals</li></ul>Preferred Competencies/Skills<ul><li>Knowledge and experience of working in General Insurance</li><li>Analytical and problem-solving skills</li><li>Excellent communication skills</li><li>Excellent interpersonal skills and client-focused in order to build collaborative relationships with different departments and internally</li><li>Ability to work independently and to adapt to changing priorities and timescales</li><li>Expert in Microsoft Excel</li><li>Based in Spain (Madrid or Barcelona) and willing to travel to regional European offices for business purposes (Germany, Italy &amp; Spain)</li><li>Essential: Fluent English and Spanish</li></ul>Preferred Knowledge<ul><li>Actuarial pricing experience</li><li>Fluent French and Italian speaking ability</li><li>Python, or experience with other programming languages</li><li>Demonstrable interest in modern data science models and techniques</li></ul>Why QBE?We understand that one size doesn’t fit all and that priorities can change depending on your life stage. That is why our blend of wellbeing initiatives and benefits offer flexibility to suit what matters most to you. It’s in the culture of our business, our QBE DNA, to support our people. Everything we do is underpinned by our QBE DNA - because we know it’s not just what we do that matters, it’s how we do it that makes the difference. In addition to this, we also offer flexible parental leave for both parents and have several employee network groups that support and empower our diverse workforce.At QBE, we view our people as our most precious asset. We understand the importance of fostering a work environment that is responsive to the changing needs of today's workforce. QBE aims to build a workplace that is fair and inclusive because we want to attract and retain the best people to do the job, we have adopted flexible working across the company and welcome this conversation.Some of the awards QBE are proud to have won, been a finalist for, and shortlisted for include:5-star Diversity, Equity and inclusion (DEI) awards, 2023 Winner -Insurance Business CanadaEmployer of the Year 2022 Winner– Insurance InsiderBritish Claims Awards 2022 Winner- InsurTech AwardInsurance Times Claims Excellence Awards 2022 Winner -Claims Product Solution of the YearWorking Families Best Practice Awards 2021Finalist for:Best COVID-19 ResponseInsurance Post British Insurance Awards 2022Shortlisted for: Best Customer Care, Diversity &amp; Inclusion Initiative of the Year 2022, Specialist Insurer of the Year (for Construction), General Insurer of the YearWe are proud to have partnerships with organisations such as Stonewall and Working Families, and our commitment to the Women in Finance Charter, the UN Women’s Empowerment Principles and Race at Work charter helps keep us accountable and transparentInclusion of DiversityWe are striving to create a workplace culture where all our people feel included, and we are committed to building a diverse workforce that is reflective of the communities we operate in.We know that diversity of thought, background and experience enables better decision making, improves the quality of our delivery and helps us to meet the needs of our customers.ESG &amp; SustainabilityAt QBE, we believe that integrating sustainability into our business helps us deliver on our purpose of enabling a more resilient future. Our three key focus areas include fostering an orderly and inclusive transition to a net-zero economy, enabling a sustainable and resilient workforce and partnering for growth through innovative, sustainable and impactful solutions. For further information regarding QBE’s sustainability targets, including our net-zero pledges and inclusion of diversity targets, and our award-winning impact investment initiative ‘Premiums4Good’, please visit our Sustainability homepage and read our latest Sustainability Report.About QBEWe can never really predict what’s around the corner, but at QBE we’re asking the right questions to enable a more resilient future – helping those around us build strength and embrace change to their advantage.We’re an international insurer that’s building momentum towards realizing our vision of becoming the most consistent and innovative risk partner.And our people will be at the center of our success. We’re proud to work together, and encourage each other enable resilience for our customers, our environment, our economies and our communities.With more than more than 11,000 people working across 27 countries, we’re big enough to make a real impact, but small enough to provide a friendly workplace, where people are down-to-earth, passionate and kind.We believe this is our moment – what if it was yours too?Your career at QBE — let’s make it happen!To find out more about why you should work for QBE, visit our careers website.What next?If you have a passion to contribute to QBE’s vision of enabling a more resilient future for our customers and the community, we encourage you to apply! Simply click the “apply now” button to submit your CV and other relevant documents, and a member of our friendly Talent Acquisition team will be in contact to discuss your interest further if you meet the requirements of the role.Please make the Talent Acquisition aware should there be any reasonable adjustments that may need to be made for the interview and the remainder of the recruitment process.

Are you an Actuarial Analyst interested in programming languages and Data Science? Are you ready to contribute in one of the most fast-growing digital insurance platform in the market? If yes - then we have an outstanding opportunity for YOU!
About the RoleBe ready to join our engineering team and work side by side with software engineers and business colleagues to transfer insurance solutions into the digital world for our focus markets Germany, Netherlands, Switzerland and UK.Your key responsibilities:<ul><li>Analyse calculation requirements for life&amp;health products</li><li>Transform product specifications into digital product models</li><li>Configure, test, and document new life&amp;health digital insurance product models</li><li>Work side-by-side with engineers, architects, project leaders, and management to resolve problems and suggest alternatives</li></ul>About the TeamOur tech team works with the latest enterprise technology and tools, pushing the boundaries with every new project. We’re the software engineering engine behind a fast-growing risk-tech start-up that helps millions of end users access affordable and easy to buy life insurance.You will join the team that is responsible for the policy management and quote calculation for digital insurance policy. It is an international team distributed between Netherlands, Spain, and Slovakia. The team member are friendly, high-skilled professionals with a strong team-player culture.About youYou are an actuary with strong coding skill or a deep passion to learn programming and you want to explore the world of insurance digitalization. As member of a team with a tight-knit collaboration culture, you are a team-player professional and a confident communicator who can engage with colleagues in person, in writing and online meetings.Also, you have..<ul><li>Relevant education as an actuary with added knowledge about life and pension, or similar</li><li>Good understanding of Life and Health products</li><li>A passion for understanding complex requirements and finding simple solutions</li><li>A genuine interest in coding to be able to learn and effectively use tools and software development techniques as practiced, acquired, or adopted within the team</li><li>Willingness to work in a team. Our joint success is what counts</li><li>Enthusiasm for driving improvement by finding and implementing solutions to new challenges</li></ul>Nice to have<ul><li>Previous experience in coding in Java or any other application development language</li></ul>What we offerWe're a scale-up embedded within an organization known for its high-caliber talent and excellent benefits. So, you get the best of both worlds - a fast paced, bold environment with a genuine work-life balance and more. You’ll contribute to complex, ambitious projects across Europe.Our colleagues are from all over the world - in total there are over 20 nationalities! We offer a competitive salary and excellent secondary benefits such as flexible working hours, a performance-based bonus, company stock options and much more.We provide feedback to all candidates via email. If you have not heard back from us, please check your spam folder.Join us on our mission to transform insurance and deepen your skills!About iptiQAt iptiQ, we partner with established brands around the world to create impactful digital insurance solutions. We make it easier for consumers to buy the insurance they need from the brands they trust. We provide life and non-life insurance through our end-to-end digital platform and build multi-channel customer experiences.What we offer our employees is outstanding. Hybrid working in offices across the world, phenomenal learning &amp; career opportunities and a culture that encourages new perspectives to challenge conventions and come up with innovative solutions. We believe in the power of inclusion. Drawing on our employees' broad range of perspectives, life experiences and backgrounds stimulates creativity and gives us a competitive edge. iptiQ embraces a workplace where everyone has equal opportunities to thrive regardless of their age, gender, gender identity and/or expression, sexual orientation, race, ethnicity, religion, physical or mental ability, or other characteristic and can be their authentic self. Ignite your curiosity to shape digital insurance.iptiQ is part of Swiss Re, one of the world’s leading providers of re/insurance and risk transfer solutions. This means we’re backed by Swiss Re’s capital strength and more than 150 years of risk knowledge. Through our partnerships, we contribute to Swiss Re’s vision to make the world more resilient.During the recruitment process, reasonable accommodations for special needs are available upon request. If contacted for an interview, please inform the Recruiter/HR Professional of the accommodation needed.

The Pricing Actuary performs pricing and experience analysis for Iberia (Spain, Portugal, Andorra) and occasionally to Latin America markets.ResponsibilitiesThe Pricing Actuary is in charge of all activities as defined in the SGL Pricing Process (cf. ICS) which covers all subprocesses of a deal quotation from data collection inc. experience analysis, assumptions setting, model development and analysis, final quote setting to CART reporting.At Local layer the pricing activity is customer-focused, developing and delivering work to enhance SCOR’s ability to write profitable new business, and does usually include (a) client services like product development and experience analysis, and (b) often is extended by corporate actuarial, finance/reporting and business development tasks.Duties to fulfil this role include the following:Market pricing:<ul><li>Performing pricing activities providing timely, reliable and consistent quotes incl. risk assessment and process compliance</li><li>Develop local pricing models and benchmarks and adapt it according to the evolutions of global method assuring local consistency</li><li>Support business function on product development (pricing, risk &amp; profitability)</li><li>Provide support to business activities (client visits, presentations, solutions, technical seminar, training, ...)</li><li>Support of Valuation/ Reserving and Finance &amp; Planning functions.</li><li>Contribute to the innovative/strategic projects that will be carried on within the macromarket and/or the knowledge/ global pricing communities.</li></ul>Experience Analysis:<ul><li>Analyzing the clients’ experience within the quotation processes</li><li>Improve the actuarial assumptions for pricing purposes</li><li>Support projects for the development of data pools and client services based on experience analysis</li><li>Provide ongoing financial performance information to the Head of the Region and Macromarket Management, reflecting historic and planned future performance.</li></ul>Experience<ul><li>At least 5 years work experience in insurance/reinsurance with a focus on actuarial issues, and significant experience in pricing on the Iberia market. Experience on Latin America markets is a plus.</li><li>Experience with statistical and/or actuarial methods and tools (e.g., SAS, Prophet, Moses, …) but mostly Excel, VBA, Alteryx/Power BI/Tableau, Python/R-Project. It is highly valuable experience on data intelligence</li></ul>Personal competencies<ul><li>Very good language skills, fluent in Spanish and English. French and Portuguese knowledge would be appreciated</li><li>Work Standards: Setting high standards of performance for self and others; assuming responsibility and accountability for successfully completing assignments or tasks; self-imposing standards of excellence rather than having standards imposed.</li><li>Communication:Clearly conveying information and ideas through a variety of media to individuals or groups in a manner that engages the audience and helps them understand and retain the message.</li><li>Technical / Professional Knowledge: Having achieved a satisfactory level of technical and professional skill or knowledge in position-related areas; keeping up with current developments and trends in areas of expertise through the continuous learning</li><li>Able to work in a small team and support high peak periods, developing and usingcollaborative relationshipsto facilitate the accomplishment of work goals.</li><li>Adaptability:Maintaining effectiveness when experiencing major changes in work responsibilities or environment; adjusting effectively to work within new work structures, processes, requirements, or cultures.</li><li>Stress Tolerance: Maintaining stable performance under pressure or opposition (such as time pressure or job ambiguity); handling stress in a manner that is acceptable to others and to the organization with strong sense of priorities.</li></ul>Required education<ul><li>University degree in Actuarial Science</li><li>Qualification or equivalency from a recognized actuarial organization required</li></ul>About usSCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art &amp; Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – from Life &amp; Health and Property &amp; Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.In order to provide our clients with a broad range of innovative reinsurance solutions, SCOR pursues an underwriting policy that is founded on profitability and supported by effective risk management strategy and a prudent investment policy. This approach allows us to offer clients an optimum level of security, to create value for shareholders, and to contribute to the welfare and resilience of society by helping to protect insureds against the risks they face.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

About The RoleWe are looking for the special actuary! You will have an outstanding and exciting opportunity to join a diverse and motivated team, committed to delivering value and innovative services together with our clients and partners in the primary insurance space.You will be a member of the product management team where product managers and actuaries are working very close together or are even united in one person. You will be responsible for the pricing development of easy-to-understand insurance products suitable for digitalization for our focus markets Germany, Netherlands, Switzerland, Italy, Spain and Portugal. You will work closely in cross-functional teams evaluating key consumer needs to build a phenomenal customer experience using brand-new technology solutions. While enabling attractive sales journeys, you will ensure robust underwriting, and work together with the claims team to ensure end-to-end automation capabilities. You will report to the Head Product Management DACH.Your Responsibilities Include<ul><li>Generate pricing metrics for profitability management and benchmark analytics as well as partnership with the reserving department</li><li>Create very modular tariffs with focus on motor enabling high flexibility on coverage and object bundles while keeping adverse selection risks under tight control</li><li>Develop innovative and easy to understand P&amp;C products starting from our customers' perspective and in close collaboration with claims</li><li>In case of limited claims data, define technical and commercial tariffs for newly developed products while also performing more sophisticated actuarial analysis (GLM and new methods) for bigger portfolios</li><li>Continuously improve the selection and pricing of risks through the use of leading-edge pricing tools and models incl. predictive analytics</li><li>Monitor market developments, evaluate upcoming consumer needs and perform competitor benchmarking to ensure adequate positioning of our products</li><li>Be responsible for your own market and manage your product portfolio through continuous testing of different bundles, tariffs and sales journeys</li><li>Participate in sales pitches and ideation workshops as part of a cross-functional team to onboard new distribution partners in your market</li></ul>About The TeamWe put the consumers' needs in the centre of what we do, aim to become a digital champion and believe in data-based learning. We use the Swiss Re network to access state of the art technologies and capabilities, combine it with local expertise and an innovative mind-set, constantly questioning current ways of offering insurance. Our aim is to drive the digitalisation of the P&amp;C insurance business in Europe as a white-label insurer working with trusted brands. We combine insurance know-how and e-commerce competencies, as well as the dynamic spirit of a start-up with the backing of Swiss Re.Do you enjoy thinking ahead and identifying new opportunities or anticipate future challenges? Do you like driving sophisticated projects in an agile way? Join us today if you enjoy pushing borders and have a passion for the latest technologies!About You<ul><li>Fully qualified actuary with 2+ years of experience in P&amp;C retail pricing (experience with key software such as Earnix, Emblem is an advantage) in Continental Europe</li><li>Expertise in statistical modelling and data analytics (Proficiency in modelling languages such as R, Python or similar) and comfortable learning and working with new software</li><li>Technology minded with a clear view on how technology can be used for customer friendly underwriting and more attractive insurance products</li><li>Creative and have many ideas how to improve the current market practices and enhancing the customer experience through transparent products</li><li>Hands-on and independent working style embracing cross-functional teams and partnering with distribution partners from different industries and backgrounds</li><li>Ambitious and able to demonstrate commercial competence when partnering with distributors and driving product innovation</li><li>Clear and effective communication with internal and external business leaders</li><li>Proficiency in Spanish and English; proficiency in other EU languages is a plus</li></ul>We provide feedback to all candidates via email. If you have not heard back from us, please check your spam folder.

As an Actuarial Science Intern, reporting to the L&H Client Managers, you will support technical and actuarial aspects of the relationship with clients in our Iberian market.About you<ul><li>Have fluent English/Spanish</li><li>Enrolled on an undergrad or MSc actuarial program – that allows you to apply for a part/full time internship</li><li>Have a clear interest in, and understanding of, the re/insurance market (in particular Life and Health)</li><li>Be proficient in MS Excel</li><li>Possess strong verbal and written communication skills</li><li>Show integrity and team spirit</li></ul>About the Role<ul><li>Support the maintenance of our pricing/costing basis</li><li>Support build and develop models and tools to assist with costing processes</li><li>Assist the pricing process, modelling new products and scenarios and helping prepare auditable documentation</li><li>Support other actuarial related tasks within the team</li></ul>We provide feedback to all candidates via email. If you have not heard back from us, please check your spam folder.Our final offer to you will be set up fairly, considering the skills and experience that you bring to the Swiss Re Group.About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property &amp; Casualty and Life &amp; Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work.

About iptiQ

 

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Become a part of a growing and dynamic entrepreneurial team within the established Swiss Re Group. iptiQ is a start-up unit, established to provide innovative protection solutions directly to consumers. Our mission is to reduce the protection gap by simplifying life insurance and making it more accessible to people. We partner with leading brands across Europe to co-create specific insurance offerings for their customers. Our motto is "now life is easier for everyone"! For us this means making life insurance easier to sell, to buy and to trust.

 
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About the Role

 
Glad you’re interested! The iptiQ Life and Health Pricing team consists of 16 colleagues based across 6 locations in Europe. We have expansion plans and it’s a great time to join our growing team. As a (Senior) Pricing Actuary, based in Madrid and reporting to the Head of Pricing, you will lead technical and actuarial aspects of the relationship with distribution partners in Spain and Portugal. You will become responsible for the pricing, referral and final sign-off for existing and newly developed insurance products. You will prepare customer premium rates and ensure that the agreed rates offer great value for our customers and partners. 
 

It will also be your responsibility to prepare and maintain the pricing assumption basis for our Spanish business. You support the sales team in business performance steering and client management. Working with our tight-knit cross functional teams you will collaborate closely with various experts including Product Development, Underwriting, Claims, Finance, Operations, Valuation and Risk Management. 
 

You will be required to have in-depth knowledge of the Spanish protection market. Including awareness of the legal and regulatory framework. Additional expertise of the Portuguese protection market is an advantage. In addition, you will review and support pricing work performed by other pricing actuaries giving you opportunities to better understanding other markets across EMEA. 
 

Your main responsibilities will be to:

 
•    Deliver pricing, referral and final sign-off of Spanish and Portuguese protection products balancing commercial and customer value 
•    Contribute to product development and design with a strong focus on risk management 
•    Develop and maintain costing tools/models and pricing basis 
•    Specify and test products 
•    Monitor the existing portfolio 
•    Check customer literature and distribution contracts  
 

About You

 

We expect you to be:

 
•    A qualified Actuary with experience in Life &amp; Health pricing in the Spanish market including use of cashflow pricing models (level of experience will determine if the successful candidate is a Senior Pricing Actuary) 
•    Deeply knowledgeable about life insurance and know how to technically implement solutions and products 
•    Client centric with experience working with external clients/distributors 
•    Fluent in English and Spanish with excellent oral and written communication skills (other main European languages especially Portuguese are an advantage) 
•    Proficient in MS Excel 
•    A team player who is passionate about the success of the business 
•    Comfortable in a dynamic and fast-moving environment 
•    Able to present complex topics clearly to a variety of stakeholders 
•    Self-motivated with an ability to work under pressure 

 
You are:

 
•    Able to show integrity and consumer awareness 
•    Enthusiastic about working with international colleagues in a multi-cultural environment 
•    Comfortable balancing multiple projects and with re-prioritisation 
•    Collaborative, engaging and positive 
•    A fast learner able to grasp complex processes and projects 
•    Willing to actively engage in discussions and voice opinions 
•    Committed to quality and accuracy 
 

Programming experience in R and/or VBA is beneficial.  
 

This role is available full or part time. Flexible working is a key part of the iptiQ culture. 
 

We are an equal opportunity employer, and we value diversity at our company. Our aim is to live visible and invisible diversity – diversity of age, race, ethnicity, nationality, gender, gender identity, sexual orientation, religious beliefs, physical abilities, personalities and experiences – at all levels and in all functions and regions. We also collaborate in a flexible working environment, providing you with a compelling degree of autonomy to decide how, when and where to carry out your tasks. 
 

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process and to perform essential job functions. Please contact us to request accommodation. 
 
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Reference Code: 112711 

 
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