About Us: The world around us is changing rapidly, and so is the insurance sector. Now is the right time to take a bold step and shape the future of insurance: this is Allianz Direct As a pan-European online insurer of the Allianz Group, launched in 2019, Allianz Direct is on its mission to become "digitally unbeatable" and the most efficient insurer in the market. Allianz Direct is truly changing the face of insurance, both in customer experience and in technology, processes, people, and culture. An international team of business experts and engineers who live and breathe an agile way of working, we aim to improve and transform the way insurance is done. Driven by a customer-oriented approach and a love for data, Allianz Direct strives to deliver an exceptional experience with a personal touch. What makes Allianz Direct so unique? We believe in the power of simplicity and convenience, and with this, we have set new standards for online insurance. As part of the Pricing, Product & UW team, and in your role as a specialist, you will contribute to leading the Underwriting strategy of Allianz Direct Spain. Key Responsibilities: • Definition and monitoring of target segments, expansion methodologies to new segments, risk appetite, analysis of relevant KPIs. • Constant optimization of underwriting processes: external data sources, Quote & Buy, risk verification, product recommendations, renewals, vehicle replacement, add-ons, etc. • Continuous implementation and monitoring of underwriting rules, definition of risk selection criteria, portfolio cleaning, cohort strategies, fall-off ratio analysis, etc. • Techniques, methodologies, and processes for Underwriting Fraud, identifying new processes to enable fraud detection. • Ongoing coordination with the Pricing, Marketing & Sales, and Analytics teams to define, implement, and continuously monitor optimal growth strategies by channel and segment. • Collaboration in the definition and implementation of campaigns for target segments. Underwriting strategy by channels: · Support for the Contact Center in sales and underwriting processes: training on underwriting rules, products, processes, fraud, sales criteria, and risk selection, etc. · Collaboration in defining the strategy for Aggregators and in driving traffic to our website. • Continuous tracking of underwriting metrics: technical indicators for new business and portfolio, forward-looking KPIs, backtesting, etc. Promoting improvements in processes and criteria based on technical KPIs. Data • Identification of external data sources for the automation and improvement of underwriting processes and risk selection criteria. • Managing interactions with suppliers and searching for new data sources that allow for more precise and sophisticated underwriting and fraud management processes. Support in defining Allianz Direct Spain's product offering. • Ongoing market and customer research to adapt the product offering to target segments, making it attractive for digital and direct channels. • Continuous product innovation: configuration of Allianz Direct Spain's specific offering – basic packages, modular coverage, add-ons, limits, benefits, exclusions, deductibles, etc. • Support in launching new Allianz Direct products into the Spanish market. Skills for the Position: • Bachelor's degree in Business Administration, Economics, Actuarial Science, Mathematics, or Statistics. • Minimum of 5 years' experience in technical underwriting functions in non-life insurance, ideally in Auto, Motorcycle, and Home products. • High level of English required (at least B2-C1). • IT skills, experience in data processing: · Previous experience with BI tools and user-level visualization: Power BI, Tableau, Databricks. · Ideally, basic/intermediate knowledge of SQL. · Advanced knowledge of Microsoft Office. • Previous experience working in an Agile environment and methodologies is desirable. • Strong analytical skills. Creative thinking and business acumen. • Dynamic spirit, teamwork, and the ability to work under pressure at certain times. • Strong communication skills, especially in translating abstract model results into business reality. • Experience working in international environments. • Curiosity, innovation, passion for the insurance business, and commitment to continuous learning. Additional Information: We offer: Professional development programs, WorkwellAllianz, flexible working arrangements. Please submit your applications only through our online tool. The Allianz Group is one of the most reliable insurance and asset management companies in the world. Our care for our employees, their ambitions, dreams, and challenges, is what makes us a unique employer. Together, we can build an environment where everyone feels empowered and confident to explore, grow, and shape a better future for our customers and the world around us. At Allianz, we believe in a diverse and inclusive workforce, and we are proud to be a company that offers equal opportunities. We encourage you to bring all of who you are to work, no matter where you come from, how you look, who you love, or what you believe in, as we accept applications regardless of your ethnic or cultural background, age, gender, nationality, religion, disability, or sexual orientation. We're excited to have you on board. Let's take care of tomorrow. Note: Diversity of minds is an integral part of Allianz's corporate culture. One way to achieve diverse teams is through the periodic rotation of Allianz Executive employees between functions, Allianz entities, and geographies. Therefore, the company expects its employees to have an open mindset and a strong motivation to regularly change positions and accumulate experiences across the Allianz Group.