Chief Product Officer

### Role Summary The Chief Product Officer (CPO) leads the end-to-end product strategy, design, and lifecycle management of the organization's insurance portfolio. This role drives innovation, profitability, and customer-centric product development across life, health, and/or property & casualty lines, ensuring alignment with regulatory frameworks and market dynamics. ### Key Responsibilities ### 1\. Product Strategy & Vision Define and execute the enterprise-wide insurance product strategy Identify market opportunities, customer needs, and competitive positioning Drive innovation across traditional and digital insurance offerings 2\. Product Development & Lifecycle Management Oversee design, development, launch, and optimization of insurance products Ensure strong collaboration with underwriting, actuarial, distribution, and technology teams Manage the full product lifecycle (concept launch growth retirement) ### 3\. Pricing & Profitability Partner with actuarial teams on pricing models and assumptions Ensure product profitability, loss ratio targets, and portfolio performance Optimize product mix and segmentation strategies ### 4\. Regulatory & Compliance Ensure all products comply with regulatory requirements and approvals Align with frameworks such as IFRS 17 and local insurance regulations Work closely with legal, compliance, and regulatory bodies ### 5\. Customer & Market Insights Leverage data analytics to understand customer behavior and preferences Drive customer-centric product design and digital experience enhancements Monitor market trends and competitor offerings ### 6\. Distribution & Go-to-Market Collaborate with sales and distribution channels (agency, bancassurance, digital) Define go-to-market strategies and product positioning Support channel enablement and product training ### 7\. Digital & Innovation Lead digital product transformation (embedded insurance, insurtech partnerships) Integrate AI, analytics, and automation into product design and delivery Foster a culture of innovation and agile product development ### Qualifications & Experience Bachelor's degree in Business, Finance, Actuarial Science, or related field (MBA preferred) 15–20+ years of experience in insurance product management or underwriting Strong understanding of life, health, and/or P&C insurance products Proven track record in product innovation, profitability, and portfolio management Experience working with actuarial, risk, and regulatory frameworks ### Key Competencies ### Strategic thinking and product vision ### Strong commercial and financial acumen ### Customer-centric mindset Leadership and cross-functional collaboration Innovation and digital transformation capability Originally posted on [Himalayas](https://himalayas.app)