友邦保险
Associate Director/ Senior Manager, Actuarial Services - Pricing
Associate Director/ Senior Manager, Actuarial Services - Pricing
发布于 大约 2 个月前中层管理(经理/总监)
上海市
高级经验
全职员工
仅现场办公
学历未注明
财务与会计
产品策略
保险产品
团队管理
定价
现金流建模
精算
风险建模
ALM
HKRBC
AI 估算 · 50k–80k
高级精算管理岗，10年经验要求，保险行业巨头上海岗位，薪资有竞争力，月薪5-8万合理。
职位详情
关于这个职位
该职位是友邦保险上海分公司精算服务部门的高级管理层岗位，负责领导产品定价团队，推动新业务的可持续盈利增长
你将主导产品定价策略制定、研发创新、市场监测及跨部门协作，确保产品竞争力与财务稳健
适合有10年以上精算经验、精通各类产品线及建模技术的资深精算师
最低要求
Qualified Actuary with at least 10 years of progressive experience working in direct life insurer, reinsurer, and/or consultancy.
Clear understanding of full range of product lines: Par saving, critical illness, medical, universal life, corporate solution, unit link, pension, retirement products, and protection products, with expertise in some of them.
Deep expertise in the principles and practices in assumption setting, asset/liability cash flow modelling, ALM, investment, capital management, medical business, and valuation.
Good understanding of the interests, perspectives, and needs of the stakeholders that Product Pricing interacts with or has responsibility for, and able to develop effective professional relationships across an organization.
Strong influencing and negotiation skills
Awareness of external factors, e.g. general economy, investment conditions, the commercial environment, regulatory development and public opinion
Proficient command of spoken and written English. Cantonese/Mandarin a plus
You are required to obtain relevant license if your job involves in regulated activities.
工作职责
To take ownership and responsibility of the sustainable profitable growth of BU new business for one/multiple product line(s).
To lead Research and Development, that is relevant to the product line, in collaboration with technical teams to:
Actively exploring levers and tools to improve product competitiveness and/or financial outcomes/resilience through enhancing the profit emergence in EV/IFRS 17/HKRBC, the ALM and investment strategy, and the risk management approach
Keeping abreast of and uncovering the underlying dynamics of the latest claim, policyholder behavior, and expense experience of the product line to identify opportunities and risks and to propose/set assumptions and modelling approaches.
Preparing for changes in the regulatory frameworks and to lead/participate in projects that shape favorable regulatory outcome for the company.
Regularly updating Pricing R&D documents for discussion/ endorsement/approval of assumptions, measurement and management approach to enhance the product pricing outcomes of the product line.
To develop, monitor and evolve product pricing strategy for a product line, in partnering with BU Pricing Head
Formulating the product pricing strategy, with the identification of R&D enablers, suitable new products and management actions to compete for and take advantage of market opportunities.
Monitoring the new business sales and financial performance as well as the market landscape to identify weakness and opportunities to evolve the product pricing strategy.
Collaborating with BU Proposition communities and other functions to develop process and system required to support the product pricing strategy, in particular, the speed to market and agility of the process to react to changing market conditions/landscape.
Influencing the direction of product development discussion, leveraging on the product pricing strategy, to support effective product development.
To support the BU Pricing Head and wider Proposition communities to work collaboratively with channels to develop products, new business campaigns, and product propositions.
To support the BU Pricing Head in the preparation of material for management discussions, PDC and LUSEB meetings, and other responsibilities/duties as assigned.
To provide technical, project and stakeholder management guidance and support to the pricing team heads in their delivery of pricing projects of your product line.
To align the efforts/resources of the product pricing activities to the economic values they generate and the product pricing strategy.
AI 洞察
优缺点分析
优点
- 头部保险公司，平台大，资源丰富，职业发展稳定
- 职位涉及前沿精算技术（IFRS 17、HKRBC），技能积累含金量高
- 作为管理岗，能培养团队领导和跨部门协作能力
- 年经验要求高，竞争激烈，需具备扎实的精算资质和行业背景
- 工作强度较大，需同时管理多个产品线并应对市场变化
- 需要不断学习新法规和模型，保持技术领先
- 适合有丰富精算经验、追求管理岗位、对产品定价有深刻理解并希望在行业领导公司发展的资深精算师
缺点 / 挑战
暂无明显挑战项
角色解读
- 在友邦内部可晋升至定价部门负责人或更高级别的精算管理职位
- 横向可转向产品开发、风险管理或公司战略部门
- 积累亚太区精算经验后，有机会调任其他地区或总部岗位
- 领导产品定价团队，负责制定并执行产品定价策略，推动新业务盈利增长
- 主导研究与开发，优化产品竞争力和财务表现，涉及EV、IFRS 17、HKRBC等框架下的建模与假设设定
- 监测市场动态和业务表现，及时调整策略，并与产品、渠道等部门协作确保快速响应
- 精通精算建模、资产/负债现金流建模、ALM、投资和资本管理
- 具备全面的保险产品知识，包括分红储蓄、重疾、医疗、万能、投连等
- 强大的影响力和谈判能力，能跨部门建立有效合作关系
- 流利的英语沟通能力，普通话或粤语加分
申请策略
- 申请时准备一份关于当前保险市场趋势的分析和对其定价策略的看法
- 关注友邦的企业文化，强调个人价值观与公司使命的契合
- 突出精算资格（如FSA、FIA等）和10年以上相关经验
- 详述在保险产品定价、建模和策略制定方面的具体案例和成果
- 强调团队管理经验及跨部门协作项目，用数据证明对业务增长的贡献
- 展示对IFRS 17、HKRBC等新准则的理解和实施经验
- 可提前了解友邦的产品线和市场定位，准备针对性的策略建议
- 若未掌握中文，建议提升普通话或粤语能力以增强竞争力
面试指南
- STAR法则：描述情境、任务、行动和结果，突出数据和影响
- 体现战略思维：从公司整体利益出发，结合市场环境和监管要求
- 强调协作与领导力：展示如何带领团队并影响利益相关方
- 请谈谈你在产品定价中如何平衡盈利性与市场竞争力的经验
- 你如何处理与其他部门（如产品、渠道）在定价策略上的分歧？
- 请分享一下你对IFRS 17和HKRBC下精算模型变化的看法，以及你如何应对
- 你领导过的最大团队规模？你是如何分配任务和培养下属的？
- 请举例说明你曾经主导的一个成功的产品定价项目，从策略到落地
职位点评
74
综合评分
头部险企高级精算管理岗，薪资优厚，技术前沿，但工作强度大，WLB一般。
更适合这类人
最适合追求高薪和职业发展的资深精算师，对工作生活平衡要求不高。
表现最好
薪资福利
相对薄弱
工作生活
薪资福利85
成长发展80
工作生活60
使命价值70
薪资福利
85较高
该职位为高级管理岗，薪资水平在行业中属较高水平，加上上市公司福利，补偿性动机满足度较好。
薪资信号偏高 (50K-80K/月)
成长发展
80较高
职位涉及前沿精算准则和建模技术，平台提供良好发展机会，但JD未明确提及晋升路径，发展性动机中等偏上。
技术前沿前沿/新兴技术
技术栈IFRS 17、HKRBC、ALM、现金流建模
业务类型profit_center
工作生活
60中等
上海核心地段办公，但未提及远程或弹性工作，且管理岗强度较大，生活化动机满足度一般。
工作模式仅现场办公
办公地点市区核心地段
加班情况未提及（无法判断）
使命价值
70中等
职位强调客户导向和社会责任，行业稳定，但保险精算对社会的直接影响力中等，意义感动机有一定满足。
行业发展稳定成熟行业
社会影响中性/一般
使命信号healthier, longer, better lives、sustainable future
创新程度积极采用新技术
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