Job Description
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 chance, and effective execution of portfolio actions.
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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.
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The role is reporting to the Chief Insurance Officer and will work closely with Lead Actuaries and Head of Product.
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KEY RESPONSIBILITIES
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Portfolio Performance & Early Warning
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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.
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Design and operate an early warning indicator framework across frequency, severity, channel, geography, and product features, enabling timely signal to inform decision-making.
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Diagnose portfolio deterioration and performance shifts, with documented action plans and tracked outcomes.
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Pricing, Underwriting & Product Alignment
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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.
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Support GLM insights, testing priorities, and postimplementation reviews to confirm expected performance impacts.
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Work closely with Product to align benefit design, product configuration, and distribution controls to underwriting intent, risk appetite, and TMDs.
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Claims, Risk & Regulatory Alignment
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Collaborate with Claims to identify drivers of frequency, severity, leakage, and recovery performance, agreeing targeted remediation actions.
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Ensure portfolio actions remain aligned with PDS and TMD determinations, with clear rationale and documentation supporting regulatory expectations.
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Monitor industry, regulatory, and legislative developments impacting underwriting and portfolio risk.
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Prepare and present quarterly insurer performance packs, including portfolio outlook, remediation actions, and performance narratives, maintaining strong insurer confidence and engagement.
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Manage ongoing performance discussions with external underwriters and EA Group counterparts.
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Deliver partner scorecards and plan on a page summary quarterly, reducing reactive escalations and supporting constructive partner relationships.
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Stakeholder & Commercial Engagement
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Foster strong working relationships with external distribution partners, underwriters, and internal stakeholders across Pricing,



Claims, Product, Commercial, Operations, Legal, and Compliance.
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Lead regular performance reporting and insight discussions with partners to optimise product distribution and performance.
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Contribute portfolio insight to new business tenders and partner opportunities, including underwriting guardrails and performance modelling.
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Maintain portfolio playbooks covering levers, thresholds, decision rights, and escalation paths.
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Track and report portfolio KPIs, risks, and actions through relevant forums and committees.
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Identify opportunities to improve portfolio monitoring, reporting, and performance management processes.
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ROLE REQUIREMENTS
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8+ years' experience in portfolio management, underwriting, or pricing within general or specialty insurance (travel insurance highly regarded).
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Strong actuarial or analytical grounding with the ability to translate technical insights into commercial actions.
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Proven experience working in multi-partner and insurer led environments.
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Advanced Excel skills; familiarity with SQL, Python, or R desirable.
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Strong data storytelling capability and confidence presenting to senior leadership, insurers, and partners.
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Tertiary qualification in Actuarial Science, Statistics, Finance, or related discipline; part qualified or qualified actuary advantageous.
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Behaviours aligned to WeCare values, including accountability, collaboration, sound judgement, and clear communication.
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📌 Portfolio Manager (Queensland)
🏢 Europ Assistance Australia and New Zealand
📍 Queensland