Job Description

Role Overview

The Product Head will play a critical role in conceptualizing and designing new investment products derived from pre-owned life insurance policies. The ideal candidate will bring actuarial expertise, strong financial modeling skills, and a deep understanding of the life insurance and personal finance landscape to help structure products that can deliver

attractive returns,

making them investable.

Key Responsibilities

Design and structure investment products using pre-owned life insurance portfolios. Develop robust

financial and actuarial models

to project cash flows, returns, and risk profiles. Create complex actuarial models in tools like Excel, Python, or specialized software to perform illustrations, valuations, and financial projections. Analyze policy data to identify opportunities for product innovation and value extraction. Work closely with the leadership team to align product design with regulatory, legal, and investment frameworks. Evaluate persistency, surrender trends, and other key insurance metrics. Collaborate with internal and external stakeholders, including insurers, investment advisors, and legal experts. Prepare product documentation, investor decks, and pricing reports. Support due diligence and stress-testing scenarios for proposed product structures. Performance Analysis: Monitor the performance of life insurance products, analyze sales data, and identify opportunities for product optimization and growth.

Market Research:

Stay abreast of industry trends, competitor offerings, and customer/investor preferences to provide actionable insights for product development and strategy.

Required Qualifications & Skills

Bachelor's degree in Actuarial Science, Statistics, Mathematics, Finance, or a related field. Completion of at least

3 levels of Actuarial Certification

.

3-4 years of experience

in an actuarial role within insurance, consulting, or financial services.

Product Knowledge and Expertise:

Must have a comprehensive understanding of

life insurance products in India

, including various policy structures, riders, coverage options, and underwriting frameworks. Advanced proficiency in

financial modeling, data analysis

, and valuation techniques. Strong working knowledge of reserving, pricing, embedded values,and other common technical actuarial topics. Strong analytical and problem-solving skills with a commercial mindset. Proficiency in Excel and actuarial modeling tools; knowledge of R/Python is a plus. Excellent communication skills and ability to work in cross-functional teams.

What We Offer

Opportunity to build innovative financial products in an emerging asset class. High visibility and strategic impact role. Fast-paced startup environment with learning and growth opportunities. Competitive compensation and benefits package.
?

If you are an actuarial professional passionate about creating investment innovation, we'd love to talk to you.

Job Type: Full-time

Pay: ₹1,200,000.00 - ₹1,500,000.00 per year

Ability to commute/relocate:

Noida H.O, Noida, Uttar Pradesh: Reliably commute or planning to relocate before starting work (Required)
Education:

Bachelor's (Required)
Experience:

Acturial : 2 years (Required) Financial modeling: 2 years (Preferred)
Work Location: In person