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We're a tech-driven insurance company with Latvian roots, causing waves in industry with our fresh approach. Our secret? Placing people's lifestyles at the heart of our products and leveraging the power of automation. The result is an insurance experience that's as hassle-free as it gets. No need to buy and cancel policies anymore - just a simple, convenient subscription service that smoothly integrates insurance into your everyday life. Today, we are sprinkled across Latvia, Lithuania, Poland, France, Germany, Italy, and Estonia. We're all over the place, and we're just getting started. We are on a mission to redefine the way you think about insurance.

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Którym ubezpieczeniem Balcia jesteś?
background Denis Nikolajev
Denis Nikolajev
Dyrektor Generalny oddziału w Estonii
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As the Personal lines Product Manager at Balcia, you will have the opportunity to oversee our innovative portfolio of Accidence and Travel insurance products and services. Your role will be crucial in ensuring that our products meet the ever-changing needs of our customers while aligning with our company's strategic goals.

You will:

  • design, launch and daily manage the products in collaboration with cross-functional teams such as underwriting, legal, marketing, and IT
  • develop and execute strategy and roadmaps for the products
  • develop underwriting and analytical processes
  • develop products’ supporting documentation (e.g. insurance conditions, UW and sales guidelines, etc).
  • perform case–by-case underwriting following procedures and methodology
  • conduct market research and competitiveness analysis to identify market trends, opportunities, and threats
  • work closely with the sales team to develop and execute effective sales strategies and product training materials
  • ensure the profitability of the products
  • analyse product performance metrics and make data-driven decisions to optimize product offerings and pricing
  • stay up-to-date with industry trends, regulations, and emerging technologies to identify new product opportunities and enhance existing products

What we expect

  • If you have experience in high-quality insurance products’ development and management
  • If you are able to manage activities and cooperation aimed at introducing products in the market and meeting products objectives
  • If you are able to analyze market information, develop and implement strategies and tactics for underwriting products
  • If you can and are willing to work in dynamic conditions and are used to thinking outside the box

then we are "on the same page", and it is definitely worth talking to us.


  • Knowledge of the insurance market and Personal lines insurance products;
  • 3+ years of experience in a similar position;
  • Strong Estonian and English language skills
  • Creativity, commitment, and independence of action;
  • Communication skills and ability to work in a team;
  • Attention to detail and analytical skills, proven numeracy and statistical skills
  • Good knowledge of MS Office programmes, in particular MS Excel.
  • Excellent verbal and written communication skills and strong negotiation skills
  • Bachelor’s degree in business administration, actuarial science, finance, business law or accounting.

What we offer

You will be working at a modern office in Valukoja 10, Tallinn 11415 in a friendly, fast-paced, and teamwork-oriented international culture with high ethics. You will have an opportunity to work also remotely.

No two days are the same. You will be working closely with an amazing team and learning from the best in a constantly changing environment. We will provide you with the necessary training, guidance, and onboarding.

Competitive monthly salary (depending on your level of experience and competence),  access to Stebby wellness marketplace from the first day, additional paid days off, discounts on Balcia products, gifts on special occasions, and much more.



Nr 1
Elastyczny system pracy. Ograny frazes, prawda?

Co to u nas znaczy? Dni wolne, praca z domu lub za granicą, indywidualne godziny pracy? Ok, mamy to!

Hybrid work model
Flexible hours
Employee loyalty & personal leave
Summer shortened Fridays
Opportunity to work abroad
Nr 2
Szklany sufit?

W Balcii nie ograniczamy Twojego rozwoju! Pracuj dla nas i stań się najlepszą wersją siebie.

External training & conferences support
Dynamic work environment
Unlimited career growth opportunities
Nr 3
Bonusy czy pop-up parties? A może jedno i drugie!

Jeśli ciężko pracujesz, rozdajemy premie i organizujemy imprezy, aby to uczcić. Jak często? Patrzymy na nasze kwartalne wyniki, a następnie poddajemy je pod głosowanie.

Quarterly bonuses
50% discount on Balcia products
Pop-up events
Health insurance from day1
Free parking
Shared electric scooters

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Balcia Insurance