Provide end-to-end stewardship of the travel insurance portfolio across Claims, Portfolio, Pricing, Product, and Partners, ensuring strong underwriting performance, timely identification of risk and opportunity, and effective execution of portfolio actions.

The role is accountable for portfolio profitability and margin outcomes, early warning indicators, insurer and partner performance management, and translating insights into pricing, underwriting, and product decisions across a multi-brand, multi-partner portfolio.

The role is reporting to the Chief Insurance Officer and will work closely with Lead Actuaries and Head of Product.

KEY RESPONSIBILITIES

Portfolio Performance & Early Warning

- Lead the portfolio performance rhythm, including weekly monitoring, monthly deep dives, and quarterly reviews, maintaining loss ratio and contribution margin within target bands by product, partner, and segment.
- Design and operate an early warning indicator framework across frequency, severity, channel, geography, and product features, enabling timely signal to inform decision-making.
- Diagnose portfolio deterioration and performance shifts, with documented action plans and tracked outcomes.

Pricing, Underwriting & Product Alignment

- Partner with Pricing and Actuarial teams to translate portfolio insights into pricing and underwriting actions (rates, relativities, rules, eligibility), reducing signal to decision cycle time.
- Support GLM insights, testing priorities, and postimplementation reviews to confirm expected performance impacts.
- Work closely with Product to align benefit design, product configuration, and distribution controls to underwriting intent, risk appetite, and TMDs.

Claims, Risk & Regulatory Alignment

- Collaborate with Claims to identify drivers of frequency, severity, leakage, and recovery performance, agreeing targeted remediation actions.
- Ensure portfolio actions remain aligned with PDS and TMD determinations, with clear rationale and documentation supporting regulatory expectations.
- Monitor industry, regulatory,



and legislative developments impacting underwriting and portfolio risk.
- Prepare and present quarterly insurer performance packs, including portfolio outlook, remediation actions, and performance narratives, maintaining strong insurer confidence and engagement.
- Manage ongoing performance discussions with external underwriters and EA Group counterparts.
- Deliver partner scorecards and plan on a page summary quarterly, reducing reactive escalations and supporting constructive partner relationships.

Stakeholder & Commercial Engagement

- Foster strong working relationships with external distribution partners, underwriters, and internal stakeholders across Pricing, Claims, Product, Commercial, Operations, Legal, and Compliance.
- Lead regular performance reporting and insight discussions with partners to optimise product distribution and performance.
- Contribute portfolio insight to recent business tenders and partner opportunities, including underwriting guardrails and performance modelling.
- Maintain portfolio playbooks covering levers, thresholds, decision rights, and escalation paths.
- Track and report portfolio KPIs, risks, and actions through relevant forums and committees.
- Identify opportunities to improve portfolio monitoring, reporting, and performance management processes.

ROLE REQUIREMENTS

- 8+ years' experience in portfolio management, underwriting, or pricing within general or specialty insurance (travel insurance highly regarded).
- Strong actuarial or analytical grounding with the ability to translate technical insights into commercial actions.
- Proven experience working in multi-partner and insurer led environments.
- Advanced Excel skills; familiarity with SQL, Python, or R desirable.
- Strong data storytelling capability and confidence presenting to senior leadership, insurers, and partners.
- Tertiary qualification in Actuarial Science, Statistics, Finance, or related discipline; part qualified or qualified actuary advantageous.
- Behaviours aligned to WeCare values, including accountability, collaboration, sound judgement, and clear communication.

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📌 Portfolio Manager (Brisbane)
🏢 Europ Assistance Australia and New Zealand
📍 Brisbane