Insurance Underwriter / Product Innovation Specialist

The Company Cover Genius is a Series E insurtech that protects the global customers of the world’s largest digital companies including Booking Holdings, Intuit, Uber, Hopper, Ryanair, Turkish Airlines, and many others. Our partners integrate with XCover, our award-winning insurance distribution platform, to embed protection for millions of customers worldwide each year. Our team and products have been recognised with numerous awards, including by the Financial Times which ranked Cover Genius as the #1 fastest-growing company in APAC in 2020.

As an Insurance Underwriter / Product Innovation Specialist for the EMEA region, you will own the insurance product innovation roadmap. You are the primary resource for coverage analysis, innovation, and pricing, leading customer‑centric designs that maximise value while achieving business objectives. You will manage all aspects of new protection product design and collaborate across partnership and vertical teams to ensure successful market entry.

To drive success in this role, you will have a clear understanding of product design and proposition and a proven track record in developing insurance products. You will be responsible for leading and managing all aspects of new insurance and protection product design within our operations, leading customer‑centric product designs to maximise value delivered to customers while achieving our business objectives.

Regular collaboration with the partnership team, the partner service team and vertical teams will be key in ensuring successful product innovations are achieved.

What will your day look like?

• Handle the development of customer‑centric insurance solutions across various business verticals to support regional growth.
• Partner with Go‑To‑Market and vertical teams to design product solutions, prepare proposals and conduct financial modelling for new and existing partnerships.
• Own the go‑live execution and technical launch of new insurance solutions from an operational perspective.
• Execute the strategic product roadmap by collaborating with internal teams to enhance customer experience and meet partner goals.
• Drive continuous improvement of key product metrics, including NPS, operational costs and loss ratios.
• Standardise insurance products by creating repeatable templates and portfolios to accelerate regional speed‑to‑market.
• Maintain deep subject matter expertise in specific product lines, including coverage innovations, pricing trends and regulatory developments.

To Help Us Level Up, You’ll Ideally Have

• A minimum of 6 years’ experience in insurance product design; having pricing or actuarial background is a plus.
• Track record in developing innovative protection products.
• Experience working cross‑functionally to deliver large and complex projects.
• Bachelor’s degree in a relevant field; a postgraduate degree and/or record of academic achievement is also desirable.
• Ability to adapt quickly to a start‑up pace environment and culture.

Why Cover Genius?

• Flexible Work Environment - Our teams are hybrid, working from home on Wednesdays and Thursdays and attending the office on other weekdays with flexibility around start/finish times.
• Employee Stock Options - We reward our people with ownership for their contribution in creating a world‑class company.
• Work with like‑minded people who are passionate about both the work we’re doing and giving back.
• Our CG Gives programs enable us all to become philanthropists through our peer recognition and rewards system.

Cover Genius promotes diversity and inclusivity. We don’t tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status.