Get ready to:

• Lead the execution of the personal lines insurance product portfolio at branch level in line with the strategy set by the Group Product Manager.
• Make underwriting decisions within your authority and manage referrals when limits are exceeded.
• Assist the Group Product Manager (Personal Lines) in product development.
• Support product design, updates, and reviews by contributing underwriting and market expertise.
• Track competitor activity and market trends to help keep the product competitive and relevant.
• Identify and flag legislative or regulatory changes affecting personal lines products.
• Prepare training materials and deliver product and underwriting training to internal teams and partners.
• Work closely with underwriting, claims, sales, and other teams to ensure smooth product execution and continuous improvement.

About you:

• You have solid experience in insurance and feel confident making underwriting decisions that balance risk and business goals.
• You enjoy collaborating across teams and acting as a link between product strategy and execution.
• You communicate clearly and can explain complex topics in a practical, down-to-earth way.
• You’re detail-oriented, well-organized, and take ownership of your responsibilities.
• You stay calm under pressure and adapt easily in a changing environment.

You’ll fit right in if you have:

• Solid insurance experience (at least 5 years) with a strong underwriting background (3+ years), ideally within personal lines.
• A degree in Business, Finance, or a related field; education or experience in a medical field is an advantage.
• A sharp analytical mind and strong strategic decision-making skills.
• A good understanding of regulatory requirements and market dynamics in personal lines insurance.
• Excellent Latvian and solid English (both written and spoken).

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 Riga city centre with hybrid work opportunities and occasional access to Balcia offices across Tallinn, Warsaw, 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.