Risk & Product Manager
Datafolio

Datafolio

Risk & Product Manager

  • CDI 
  • Paris
  • Télétravail partiel possible
  • > 5 ans

L'entreprise

Datafolio

Datafolio

  • Application mobile, Mobilité, FinTech / InsurTech
  • Entre 15 et 50 salariés

Le poste

Risk & Product Manager

  • CDI 
  • Paris
  • Télétravail partiel possible
  • > 5 ans

Who are they?

Datafolio is an Insurtech founded in early 2020 by Yuri, former Head of Groupama in China and Italy, and Emmanuel, former C-level at AXA Group.

Their combined 50 years of experience in the insurance industry made them realize that the use of data, provided by individuals, especially via their cell phones and their connected devices, would profoundly change the paradigms of this industry.

Therefore they decided to create Datafolio, an application that empowers real-time data collected from cell phones to offer an insurance solution that is 100% pay-as-you-go (the insured only pays for the kilometers actually driven and according to the risk taken), 100% digital (from policy subscription to claim management), and for all types of mobility (car, scooter, bike, scooter, motorcycle,ski, etc.).

By providing in-app services for real-time prevention, fair insurance and individualized assistance, Datafolio puts the protection of people at the heart of the insurance world.

Datafolio
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Job description

You will be in charge of the functional design and of the follow-up of Datafolio’s products and services, i.e. mobility risk management tools for individuals, before, during, and after a trip.
You will use your actuarial and insurance skills to build and price relevant products, your rigor and attention to detail to validate the feasibility and specify needs, and your curiosity to follow and be inspired by market and behavioral evolutions.

• Design of products and services:
o Definition of the functionalities, characteristics and parameters of “individual risk management” mobility products and services: prevention, protection, assistance
o Definition of the requirements: feasibility verification, minimum requirement specification, ensure the implementation in coordination with the managers of the other professional families
• Carrying out a competitive watch:
o Identify actors, initiatives and trends of interest for Datafolio
o Benchmark competitive offerings: value proposition & positioning, business model & sustainability, services & guarantees, (reverse-engineering) pricing & competitiveness, management & digitalization, data & technology, etc.
• Act as Product Manager during sprints:
o Instruct the writing and validate the detailed specifications of the products and services features, their functionalities and their management
o Perform functional testing of the application development
• Conduct or lead risk assessment studies:
o Co-construct pricing models for protection products with the Data team
o Carry out actuarial studies (analysis and projection of technical results, relevance and sustainability of rate segmentation, risk evolution, etc.) and ad hoc studies (analysis and reverse engineering of traditional offers)
o Prepare all elements necessary for relations with insurers or risk holders (due diligence, technical committee, risk management committee)

Preferred experience

You have:
• Good knowledge of the insurance ecosystem, ideally in the different European geographies
• A Concrete actuarial experience (pricing, reserves, solvency II) on automotive or related lines
• Already been involved in the creation of insurance or assistance offers
• Ideally an experience with a direct or digital player
• A good understanding of the multiple issues of a risk management product (legal, operational, technical, customer experience, marketing, etc.)
• A good management experience

You are:
• A graduate in actuarial science with a passion for risk management and modeling
• Avant-gardist and critical of the imperfections and limitations of industry approaches and practices
• Very autonomous, curious and a force of proposal
• Good communicator with proven skills in popularization
• Imaginative and pragmatic
• Rigorous with attention to detail
• Agile and team player
• Very comfortable in written and spoken English
• Able to be very “hands on” in the first few months before future recruitments

Datafolio

Datafolio

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