<h3>Role Summary</h3><p>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 &amp; casualty lines, ensuring alignment with regulatory frameworks and market dynamics.</p><h3>Key Responsibilities</h3><h3>1. Product Strategy &amp; Vision</h3><p>Define and execute the enterprise-wide insurance product strategy</p><p>Identify market opportunities, customer needs, and competitive positioning</p><p>Drive innovation across traditional and digital insurance offerings</p><p>2. Product Development &amp; Lifecycle Management</p><p>Oversee design, development, launch, and optimization of insurance products</p><p>Ensure strong collaboration with underwriting, actuarial, distribution, and technology teams</p><p>Manage the full product lifecycle (concept launch growth retirement)</p><h3>3. Pricing &amp; Profitability</h3><p>Partner with actuarial teams on pricing models and assumptions</p><p>Ensure product profitability, loss ratio targets, and portfolio performance</p><p>Optimize product mix and segmentation strategies</p><h3>4. Regulatory &amp; Compliance</h3><p>Ensure all products comply with regulatory requirements and approvals</p><p>Align with frameworks such as IFRS 17 and local insurance regulations</p><p>Work closely with legal, compliance, and regulatory bodies</p><h3>5. Customer &amp; Market Insights</h3><p>Leverage data analytics to understand customer behavior and preferences</p><p>Drive customer-centric product design and digital experience enhancements</p><p>Monitor market trends and competitor offerings</p><h3>6. Distribution &amp; Go-to-Market</h3><p>Collaborate with sales and distribution channels (agency, bancassurance, digital)</p><p>Define go-to-market strategies and product positioning</p><p>Support channel enablement and product training</p><h3>7. Digital &amp; Innovation</h3><p>Lead digital product transformation (embedded insurance, insurtech partnerships)</p><p>Integrate AI, analytics, and automation into product design and delivery</p><p>Foster a culture of innovation and agile product development</p><h3>Qualifications &amp; Experience</h3><p>Bachelor's degree in Business, Finance, Actuarial Science, or related field (MBA preferred)</p><p>15–20+ years of experience in insurance product management or underwriting</p><p>Strong understanding of life, health, and/or P&amp;C insurance products</p><p>Proven track record in product innovation, profitability, and portfolio management</p><p>Experience working with actuarial, risk, and regulatory frameworks</p><h3>Key Competencies</h3><h3>Strategic thinking and product vision</h3><h3>Strong commercial and financial acumen</h3><h3>Customer-centric mindset</h3><p>Leadership and cross-functional collaboration</p><p>Innovation and digital transformation capability</p><p>Originally pos