友邦保险
Associate Director/ Senior Manager, Actuarial Services - Pricing
Associate Director/ Senior Manager, Actuarial Services - Pricing
发布于 1 天前中层管理(经理/总监)
Shanghai Hongkou, CN - AIA Group Office
高级经验
仅现场办公
学历未注明
其它
AI 估算 · 50k–80k
外资保险高级管理岗位，精算专业稀缺，薪资具竞争力，月薪50k-80k，全年13薪。
职位详情
关于这个职位
该职位是友邦保险上海精算定价团队负责人，聚焦产品线的可持续盈利增长
您将领导研究与开发、制定定价策略、协同多部门推动产品创新，并确保财务指标与监管合规
适合资深精算师向高层管理发展的职业路径
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
- 友邦为亚洲领先保险集团，平台大、资源丰富，精算团队专业度高，能接触到前沿的产品与监管动态（如IFRS 17）
- 职位为高级管理层，直接参与公司核心定价决策，影响产品方向，职业成就感强
- 薪资优厚，福利完善（五险一金、补充商业保险、年终奖等），并有海外培训与交流机会
- 适合拥有丰富精算定价经验、渴望领导团队并深度影响业务的高阶精算人才
缺点 / 挑战
- 工作强度较高，需同时管理团队、推进项目并应对监管变化，需较强抗压能力
- 精算技术迭代快（新会计准则、风险资本要求），需持续学习保持专业领先
角色解读
- 可晋升为业务单元定价负责人（Head of Pricing），覆盖更广产品线与区域，参与集团战略决策
- 向首席精算师（Chief Actuary）或首席风险官（CRO）发展，负责公司整体精算与风险管理
- 横向转型至产品开发、投资策略或综合管理岗位，积累更多业务领导力经验
- 领导上海精算定价团队，负责产品线的定价策略制定与执行，确保新业务可持续盈利增长
- 主导研究与开发，优化产品竞争力及财务指标（如EV/IFRS 17/HKRBC），推动资产负债匹配和风险管理
- 与产品、渠道、投资等多部门协作，加速产品上市流程，应对市场变化
- 精算师资格（Fellow Actuary）及10年以上寿险、再保险或咨询经验，精通产品线定价
- 深度掌握假设设定、现金流建模、ALM、投资与资本管理，熟悉IFRS 17/HKRBC
- 优秀的影响力与谈判能力，能够跨部门建立高效合作关系，并对内外部商业环境有敏锐洞察
申请策略
- 表达对友邦‘更健康、更可持续未来’愿景的认同，在面试中展示客户导向思维
- 突出精算资格（如FSA, FIA, CAA等）和10+年相关经验，列举主导过的重大定价项目成果
- 展示对IFRS 17、HKRBC等新准则的落地经验，以及资产负债管理、投资策略的参与案例
- 强调团队管理、跨部门协作及影响力，附带具体业绩数据（如新业务价值增长、市场份额提升）
- 若对某些产品线（如医疗、退休）不够熟悉，可提前学习友邦现有产品文档
- 提升对内地监管环境（银保监会新规）的理解，准备相关分析报告
面试指南
- 用STAR法则（情境-任务-行动-结果）结构化回答行为类问题，突出你的领导力和量化成效
- 对于技术问题，展示对精算原则的深刻理解，并联系公司具体产品线举例
- 请分享你主导的一个定价项目，如何平衡盈利性与市场份额？
- 面对IFRS 17过渡，你建议采取哪些定价调整策略？
- 描述一次你成功推动跨部门合作的经验，具体如何克服阻力？
- 如何看待当前中国寿险市场利率下行对产品定价的挑战？
- 复习友邦最新财报及产品策略，了解其市场定位与竞争优势
- 准备2-3个你独立牵头并产生重大影响的定价案例，包含财务指标改善
职位点评
72
综合评分
外资保险高级精算管理岗，薪酬优厚、技术前沿，但工作强度大且无远程弹性。
更适合这类人
适合重视高薪资、专业成长和领导机会，能接受较高工作强度的求职者。
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50
使命价值75
薪资福利
85较高
职位为高级管理岗，外资保险薪资水平较高，福利完善，但具体数字需面议，总体补偿性较强。
薪资信号面议 (50K-80K/月)
成长发展
80较高
职位涉及前沿精算技术（IFRS 17、HKRBC）和领导力培养，有明确的成长空间，但JD未明确提及晋升路径。
技术前沿主流现代技术
技术栈IFRS 17、HKRBC、ALM、EV、Asset Liability Modeling
业务类型profit_center
工作生活
50较低
工作地点为上海虹口办公室，未提及远程办公，高级管理岗可能面临较高强度，WLB信号较弱。
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
75中等
公司使命强调健康与可持续，但JD中客户导向与社区贡献较突出，社会影响力中等偏高。
行业发展稳定成熟行业
社会影响中性/一般
使命信号create a healthier, more sustainable future
创新程度积极采用新技术
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