Directeur(trice) Sélection des Risques et Indemnisations
Qui sommes nous ?
Join the Insurtech that stays ahead of the curve and disrupts the insurance world.
Are you looking to join a fast-growing company specializing in borrower insurance and individual protection insurance? Digital Insure is recruiting a Director of Risk Selection and Claims for its Operational Excellence Department.
Digital Insure is part of the Personal Insurance Division of the Odéalim group, which currently comprises 150 employees and rapidly developing companies (Digital Insure, L’Assureur Crédit, Valorama) that market and manage B2B, B2B2C, and B2C Borrower Insurance and Personal Protection solutions.
The Risk and Claims Department is central to the performance of Digital Insure, a managing broker that also handles memberships and contracts on behalf of 14 different insurers, with a strong commitment to quality and adherence to obligations.
La mission
As Director of Risk Selection and Claims.
- You manage the three teams that constitute the Department: Medical Underwriting, the “Expert Hub” (a team dedicated to analyzing aggravated risks or high-capital cases), and Claims.
- You possess strong technical expertise in medical and financial risk selection for Borrower Insurance and individual Personal Protection (for individuals and self-employed professionals), as well as a strategic vision for each business line.
- You facilitate understanding of Risk Selection challenges within the Group and will provide a technical framework for business development.
- As an essential pillar of operational excellence, you support General Management and other business teams in strategic decisions related to Risk Selection and Claims.
Your Role at a Glance.
Directly reporting to Digital Insure’s Operational Excellence Department, you ensure the effective management of Risk Selection activities and claims processing, in compliance with expected service quality, internal procedures, and the regulatory framework.
You support change and are constantly seeking performance improvement. With the objective of satisfying the end customer and our broker and insurer partners.
Vos principales activités
Department Leadership
- You manage the three teams that constitute the Department, based in two locations, Paris and Lyon (20 people):
- The Medical Underwriting team (including 2 medical advisors),
- The “Expert Hub,” a team dedicated to analyzing aggravated risks or high-capital
cases - Claims.
- You provide a strategic vision and direction
- You challenge processes and tools with a focus on simplicity and pragmatism
- You determine the means and resources required for delivery
- You analyze data to improve decision-making
- On Risk-related topics, you are the primary contact for General Management and partner insurers in their dealings with Digital Insure, particularly during audits or training sessions.
Risk Selection Management
- Direct management of the underwriting team (9 employees – 2 medical advisors – across 2 sites, Lyon and Paris)
- Work in conjunction with the business expert (guarantor of processes – rules and delegations)
- Service Organization
- Performance Monitoring
- Organization of Underwriter Skill Development
- Final level validation for technical decision-making on cases
- Management of the “Expert Hub,” a team dedicated to selecting VIP / high-capital risks,
Aggravated Risks.
Claims Management
- Management of the Claims Manager (claims processing)
- Challenge results, organization, and processes
- Internal auditor role if required
Vos compétences clés / profil
- TECHNICAL experience in both areas: Borrower Insurance and individual Personal Protection, risk management
- Management experience (executive and non-executive staff)
- Customer focus (customer satisfaction), commercial vision of the business lines
- Educational approach and support for related departments and externally, ability to
convey and explain - Adaptability, proactive approach
- Decision-making ability
- Organizational skills
- Process simplification and optimization
- Objective monitoring
(quality – productivity, etc.) - Analytical and synthetic mind, and anticipation
