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.

Job purpose

Review, monitor and control of risks related to Health and Protection business underwritten by AXA’s entities. Provide 2nd Opinion on Health PAP and GUC. Provide adequate risk monitoring framework (Risk Appetite). Validate the modeling and the calculation of Solvency Required Capital for Health and Protection risks (Disability, Medical Expenses), participate to review of entities (In-Depth Review) with respect to Health and Protection business, and review the 2nd Opinion on Reserves (Flash Process).

Context & Major Challenges

As a risk manager, the Health and Protection analyst is both an active controller of local teams’ activities and a business partner.

The position requires both strong modeling capacities to correctly measure the risk (profitability, reserves, required capital) but also good business knowledge to provide valuable business 2nd Opinion on underwriting processes (PAP, GUC).

Key accountabilities

• Internal Model (STEC):
  • Maintain and Improve the Internal Model for health and protection risks.
  • Contribute to auditors (internal and external) and regulators’ exchanges on health and protection risks.
  • Validate yearly Solvency 2 Internal Model figures computations for medical expenses and disability risks (2 risks x 12 entities), including local calibrations, STEC clearance meetings, analyzing and validating the results and contributing to the Group validation report and Group ORSA process.
  • Define, produce and analyze the Long-Term Care and Critical Illness Risk Appetite Framework and ensure that both the Management and the Board have a clear and consistent view of the risk and its status versus the risk limit.
•  Product approval Process and Group Underwriting Committee for health products
  • Participate to the health PAP and GUC processes and ensure their consistency with the Group risk management strategy (Customer focus, decrease the share of financial STEC, increase the share of profitability coming from technical or expense margins…).
  • Consider the impact of new regulations on the health PAP and GUC.
  • Support the entities to implement the Group risk management requirements.
  • Ensure the health PAP and GUC processes are well respected.
  • Give a second opinion on the health products failing to meet group requirements.
• Risk monitoring
  • Review the local 2nd Opinion on Health and Protection reserving through the Flash Process and In-Depth reviews.
  • Provide a 2nd Opinion on Health Reinsurance deals.
  • Participate to the 2nd Opinion on Health Strat Plan.

Vous rejoignez une entreprise :

-    Responsable, vis-à-vis des personnes, y compris ses employés et ses clients, et de la planète. -    Aux valeurs fortes-    Qui encourage la mobilité interne, et la formation de ses employés-    Qui vous offre de nombreux avantages (en savoir plus ici : Reward & Benefits - french | AXA Group)-    Flexible, qui permet le travail hybride, au bureau et à la maison.

Les informations fournies par les candidat(e)s seront traitées de manière strictement confidentielle et utilisées uniquement à des fins de recrutement.

Technical and professional skills

• Statistical, actuarial and modeling skills.
• Good knowledge of Asset and Liability Management techniques for Insurance Companies.
• Knowledge of SII framework.
• IT skills include R, VBA.
• Fluent written and spoken English, another language (Spanish, German…) is a plus.

Soft skills and competencies

• Ability to work with a team in a multicultural environment.
• Ability to lead working groups and projects, work in project mode.
• Ability to communicate with various stakeholders (Management Committee, Life CROs, actuarial experts, ACPR, internal/external auditors), and write reports destined to AXA Group and AXA entities’ Top Management.
• Demonstrate accuracy, quality and timeliness of deliverables.
• Be organized, autonomous, have a sense of responsibilities.
• Be innovative and flexible, show ability to listen and pragmatism.

Background and experience

• Major in statistics, actuarial sciences, finance, Master (BAC+5) or PhD, university or “Ecole”, data science.