Get ready to:
- Lead and grow Balcia’s Personal Lines portfolio (Travel, Accidents, Junior accidents and Extreme accidents) across multiple markets.
- Own the product strategy end-to-end, setting ambitious targets for growth, conversion, loss ratio, and combined ratio.
- Build deep customer and lifestyle insights, identifying unmet needs and translating them into clear product opportunities.
- Drive end-to-end product design, including coverages and modular structures; wordings and underwriting rules; eligibility criteria and pricing logic in close collaboration with Actuarial and Underwriting teams.
- Prepare business cases and go-to-market plans, ensuring products are both commercially strong and customer-friendly.
- Monitor portfolio performance across markets: frequency, severity, average premium, claims trends; performance by segment, channel, and geography; initiate corrective actions (pricing, underwriting appetite, discounts, product adjustments).
- Strengthen digital journeys and distribution channels, ensuring smooth, intuitive experiences from quote to policy issuance.
- Ensure regulatory compliance while standardizing product frameworks and governance across countries.
- Lead, mentor, and develop cross-country product teams, fostering ownership, accountability, and high performance.
- Manage external partners and vendors, including rating engines and data providers.
- Coordinate closely with reinsurance management.
About you:
- Complex challenges energize you — you enjoy turning ambiguity into clarity.
- You take full ownership, bring energy into your work, and care deeply about outcomes.
- You are collaborative and supportive, yet confident in making decisions.
- You learn fast, pay attention to detail, and handle sensitive information with care.
- You are results-driven, but never at the expense of customer value.
- You enjoy building products that people actually want to use.
Sounds familiar? Then this might be your next move.
To fit in here you’ll need:
- Bachelor’s degree in Business, Economics, Finance, Actuarial Science, Engineering, Statistics, Data Science, or a related field.
- 5+ years of experience as a Product Manager in insurance.
- 3+ years of people management experience (cross-country or international experience is a strong advantage).
- Strong understanding of pricing and segmentation; rating factor governance; deployment via rating engines.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong communication and stakeholder management abilities.
- Very good English (written and spoken).
- Medical background is a plus.
Why you'll love it here
At Balcia, we're building a different kind of insurance company, one that moves fast, challenges the status quo, and puts people at the centre of everything we do. You'll work in a modern office in Warsaw city centre with hybrid work opportunities and occasional access to Balcia offices across Tallinn, Riga, and Vilnius. We believe flexibility helps people do their best work.
Our flat organizational structure means less bureaucracy and more ownership. You'll have the freedom to make decisions, contribute ideas, and create real impact. We trust people to take initiative and own the outcome.
We're also not big fans of "that's how it's always been done." We continuously challenge ourselves to improve, experiment, and find smarter ways of working. We call this Outsmart Yesterday.
At the same time, we believe high performance and humanity go hand in hand. We communicate openly, support one another, celebrate successes, and learn from mistakes together. That's how we stay human and keep it crystal clear.
To help you succeed, we'll provide structured onboarding, the tools you need, and opportunities to keep learning and growing throughout your journey with us.
If you're looking for a place where you can make an impact, grow quickly, and help shape the future of insurance, we'd love to meet you.
