Insurance Product Developer / Underwriter (f/m/d)

About us

We believe that insurance was born to protect people’s interests is a wonderful cause!
But the insurance empire is broken and it’s time to strike back at its legacy infrastructure, organizational design and products built for broker intermediaries rather than around customer.

Coya offers a new hope, by redesigning and extending the insurance value chain, working backwards from the customer’s real life needs. Coya will offer scalable protection at the point of need with an AI risk guardian and simple, transparent and personalized insurance cover. Designed from the ground up to manage life’s risks and join our customer’s journey.

What it is all about.

As the master of insurance products, you know our user needs, our competitors' products and our Coya T&C by heart. You're willing to challenge the industry's status quo and create the most understandable products for our users with the best product-market-channel fit.
You will be the one building and optimizing Coya's insurance products for the German market. Internally, you're the "go-to" person for any question about coverages, processes, and value-adding services for those products.

You will notably:
  • Create and optimize insurance products for the German market in line with our vision around the home: households, homeowners / building, mortgage / rental income guarantee, pet, bike, liability
  • Be involved in the perfect mastery of our products (customer-oriented easy to understand coverages and T&Cs, optimize to meet specific ratings and distribution channel demands, optimize underwriting profitability e.g. adding limitations that do not influence ratings, but reduce risks)
  • Constant benchmarking to ensure our products are (a) as fair, as simple, and as transparent as possible (b) competitively positioned in comparison portals (both aggregators and with broker pools) - hereby also support the development of tools to track the positioning and pricing against competitors
  • Contribute to our customer-centric client by spreading your technical knowledge across Coya and make sure our products are fully mastered by claims managers, customer services agents, and all other Coya teams (ensure technical support and training)
  • Help building the pricing model
  • Work hand in hand with product and designer to build and display our product in a transparent and simple way, to help our clients understand what they are buying
  • Support the partnerships team in discussions of insurance product designs with potential external partners or third-party product providers (e.g. for legal insurance)
  • Identification of risks related to the product itself, the subscription flow, the legal feasibility

Our offer to you.

Sustainability. Insurance is our expertise, climate protection is our passion. And that's why our employees are given additional Green Leave days to do volunteer work. Furthermore, our office is climate-neutral, our electricity is green, the Christmas tree is replanted and we are always looking for new ways to improve.

Diversity. An international team with experienced colleagues from more than 25 nations. We continue to work hard on ourselves to make our team even more diverse - because we are convinced that only different perspectives can lead to a really good result.

Flexibility - Yes, please. Your job takes up a large part of your time. So you should also decide where and when exactly you work. We enable flexible working time models and generous home office arrangements even after the Corona pandemic.

Moving? No problem. We offer you visa support and financial assistance for relocation - for a facilitated start in Germany.

Stay healthy. With a discounted Urban Sports Club membership and the Humanoo App we help you to stay physically and mentally fit.

Worth cash money. We will make a 20% additional payment to your company pension scheme.

The classics. Ergonomic chairs and height-adjustable tables, a modern office in beautiful Berlin-Kreuzberg, team events, cultural lunches and a fridge full of cold soft drinks are just some of the classically meaningful benefits we offer.

What you bring along.

  • Solid experience in multi-risk insurance product management/development, either as an underwriter, insurance specialist, claims management or a similar role
  • Confident with contract writing (General Conditions, Particular Conditions etc)
  • In-depth home insurance knowledge, some experience within claims would be a huge advantage 
  • Content writing skills, supporting with marketing or CS material
  • Comfortable working in an international, fast-paced environment
  • Customer-centric mindset, hands-on, autonomous, proactive and can-do attitude
  • A willingness to contribute in other areas; supporting CS, claims and be the owner of contract drafting etc
  • Highly organised and resourceful, used to working to a tight deadline

  • Fluent in German and English, French would be a plus
Nice to have:
  • Experience working as a claims manager or within a claims related role 
  • Experience in insurance law