Notre client, un cabinet de conseil en assurance, est à la recherche d’un·e Consultant·e Actuariat afin de renforcer l’équipe d’experts qui compose le cabinet. Il·elle sera en charge d’assister et réaliser des études spécifiques pour le compte des clients.
Le·a futur·e Consultant·e Actuariat sera responsable des tâches suivantes :
▪ Produits : Santé & Prévoyance
▪ Intervention sur les normes : S2, IFRS17 ...
▪ Assistance à la production : ORSA, Provisionnement, Tarification, Compte de résultat...
▪ Pilotage technique : calcul de provisions multinormes, suivi de la rentabilité par portefeuille, établissement de compte de résultats/PB
▪ Maitrise de Python

Profil 
▪ Actuaire titré
▪ 2 à 5 ans d’expérience professionnelle en Actuariat
▪ Une première expérience en compagnie ou en cabinet de conseil est nécessaire
▪ Maîtrise du périmètre santé prévoyance
▪ Connaissances en programmation et expertise en analyse de produit et en norme Solvabilité 2 et IFRS17.
▪ Maîtrise de Python
▪ Autonomie, rigueur et bon sens relationnel.
▪ Curieux·se, proactif·ve, le·la candidat·e possède un esprit synthétique.
▪ La connaissance de la langue anglaise est un atout.

• Assess and monitor the Company’s risk profile in relation to its risk appetite;
• Analyze and interpret actuarial models, assumptions, sensitivities, and scenarios in order to understand the long-term impacts;
• Provide Solvency II reporting to the various stakeholders and committees;
• Contribute to the implementation and continuous improvement of a robust and effective risk management framework;
• Participate in the evaluation and monitoring of the business strategy, notably through the analysis of action plans designed to mitigate key risks;
• Formulate independent opinions and recommendations in the context of strategic and operational decisions;
• Actively contribute to the ORSA process (Own Risk and Solvency Assessment);
• Perform ad hoc analyses and provide opinions and advice to management and governance bodies.

Profil

• You have solid, proven experience of at least 10 years in risk management or in an equivalent role (actuarial, finance, ALM, etc.);
• You are comfortable in professional interactions and demonstrate assertiveness, diplomacy, and strong communication skills;
• You have the ability to position yourself as a critical, credible, and constructive business partner;
• You have concrete experience in coordinating cross-functional activities involving multiple departments;
• You enjoy teamwork while remaining autonomous in managing your files and responsibilities;
• You are capable of taking ownership of complex topics and seeing them through to completion;
• Your mother tongue is French or Dutch, and you have a good command of the other national language as well as English.

Product design and development:

• Performing actuarial and financial calculations, simulations and formulating proposals for insurance products and risk reports
• Contributing to the design and development of insurance products through the appropriate evaluation of proposed coverages
• Establishing or validating the pricing scheme and the amount of premiums for the launch of a new product or the modification of an existing product, while respecting its profitability and taking into account commercial imperatives
• Defining the reserving and, where appropriate, the reinsurance
• Producing the actuarial analysis for the Actuarial Function
• Determining annually the maximum premium indexation rate (CPI and/or medical index)
• Recommending the indexation rate to be applied on the basis of an assessment of the product's profitability

Technical provisions (BE GAAP and Solvency II):

• Monitoring and implementing the rules regarding the calculation of technical provisions
• Determining technical provisions taking into account applicable regulations (BE GAAP and SII) as well as relevant information from the financial markets and generally available data on underwriting risks
• Ensuring the appropriateness of the underlying models
• Assessing the sufficiency and quality of the data used in the calculations
• Comparing the best estimates with empirical observations
• Documenting the methodology, underlying models and assumptions used
• Conducting analysis of changes (AOC)

Results analysis and reporting:

• Monitoring the profitability of products in order to assist management in taking appropriate action in the event of significant observed or anticipated deviations
• Collecting, verifying and updating raw data and statistics to provide management with information for decision making
• Developing, validating and updating a projection model for the profit and loss account by product (premiums, benefits, technical provisions, expenses, financial revenues)
• Producing at least once a year a report on the profitability of active products (ad hoc for products in run-off)
• Suggesting to management measures (increase in premiums or limitation of benefits) in the event of unfavourable deviations, likely to restore a balance in the short or medium term
• Monitoring applicable regulatory developments (content and timing) and complying with them
• Establishing national quantitative and Solvency II reporting in accordance with applicable actuarial and regulatory rules
• Contributing to the preparation and documentation of the Own Risk and Solvency Assessment (ORSA), ensuring assessment of the company’s risk profile and capital adequacy
• Contributing to qualitative reporting (pillar II Solvency II)

Profil

• Master’s degree in Actuarial Science, Physics, Mathematics, or Engineering or equivalent,
• At least 5 years of experience in the insurance industry,
• Good knowledge of the non-life insurance market,
• Knowledge of business or special risks is an added value
• Knowledge of Office tools (Excel, Word, PowerPoint...) and SAS
• Critical, analytical and structured mind and curiosity
• Team player and ability to work independently
• Willingness to share your own knowledge, your results and give advice on them
• Ability to give and receive feedback
• Bilingual or good knowledge of the other national language.

H/F STAGIAIRE EN ACTUARIAT

You have a strong technical background in the underwriting of P&C Insurance business and are looking for a position in an International environment contributing to the commercial success of a dynamic team.

Global Travel Underwriter

As a major and innovative player in the assistance market, Europ Assistance generated sales of approximately € 1.7 billion in 2020 and has more than 7,000 employees worldwide. Present in more than 30 countries and using a network of 410,000 suppliers throughout the world, Europ Assistance continues its development by offering efficient and innovative solutions.

Context

Within the Insurance Department of the Europ Assistance Group, you will contribute to the development and manage the profitability of the International portfolio of the Europ Assistance Group.

Responsibilities /Tasks

· Pricing of international tenders:

· Promoting and enhancing pricing & underwriting excellence throughout the Group

· Structuring pricing process and performing underwriting analysis for the P&C LoBs (Auto, Travel, Home&Family and Health)

· Defining pricing of international contracts and tenders ensuring a high-quality technical pricing process through an effective cooperation among stakeholders involved (e.g. sales department, Group companies)

· Develop and maintain pricing segmentation models using (GLMs) and other advanced actuarial techniques.

· Continuously improve existing pricing models and develop new models to enhance risk assessment and underwriting decisions.

· Steer profitability of the portfolio of our international contracts through:

· Work with the data teams to further improve existing data and availability to the technical team

· Industrialization of technical follow up / reporting of frequencies, average costs, … (automation of profitability monitoring dashboards)

· Technical analysis by product and market

· Definition of pricing adjustments where applicable or other levers to steer profitability

· Coordinate with the Irish Branch of the Europ Assistance Group to share analyses on the profitability of the Travel International portfolio.

· Accompany the sales teams to present technical performance of the program during Annual Business Reviews

· Steer other group transversal initiatives on profitability

· Contribute to the Pricing sophistication efforts across the Group, leveraging GLM models and AI driven tools to drive best in class pricing actions and segmentation

· Contribute to Group initiatives related to Product and Pricing Standardization, two key pre-requisites for the implementation of the new core insurance platform

· Challenge action plans taken by local EA entities on their unprofitable accounts

Your contacts will be

· EA Holding

· General Management

· Global Sales team

· Data team

· Actuarial team

· EA local entities

· Sales team

· Technical team

· EA Irish branch carrying the insurance risk for our international business

Education or equivalent experience

· Bachelor's degree in actuarial science, mathematics, or related area.

Skills/ Knowledge/abilities

· You have a strong technical background in actuarial science or insurance.

· Your technical knowledge has been supplemented by 5-10 years of prior experience in the underwriting of property and casualty insurance business

· You are willing to work in an international environment in close collaboration with the commercial team and willing to be exposed to our partners

· You have a good level of English (the Group's language of exchange)

· Good R / Python or other statistical tool skills

· Organized and autonomous: you will have to manage different topics and activities at the same time

· Excellent analysis and synthesis capabilities; ability to communicate technical results to an audience with a different backgrand

· Proactive and relationship building oriented, driven by curiosity and personal initiative

H/F STAGIAIRE EN ACTUARIAT

You have a strong technical background in the underwriting of P&C Insurance business especially in travel business and are looking for a position in an international environment contributing to the commercial success of a dynamic team.

Lead P&C underwriter

As a major and innovative player in the assistance market, Europ Assistance generated sales of approximately € 1.7 billion in 2020 and has more than 7,000 employees worldwide. Present in more than 30 countries and using a network of 410,000 suppliers throughout the world, Europ Assistance continues its development by offering efficient and innovative solutions.

Context

Within the Insurance Department of the Europ Assistance Group, you will play a key role in shaping the underwriting strategy, driving profitability, and managing the B2B2C insurance portfolio mainly on device protection, Cyber, Health portfolios and Mobility. Serving as the central expert, you will lead risk assessment, pricing decisions, and product governance, while ensuring alignment with internal policies and regulatory standards. In this strategic position, you will work closely with actuarial, pricing, product development, distribution, and claims teams to support sustainable growth and long-term profitability. You will report directly to the Global Head of Pricing and Underwriting.

Responsibilities /Tasks

Manage the Pricing Process of our international tenders

· Evaluating the risk properly; understanding specificities of the opportunity; leveraging existing databases or existing segmented pricing models.

· Interacting with the Sales team to make the best possible offer for the partner

· Presenting the proposed pricing structure, expected profitability and areas of concern to the Underwriting Committee and in some occasions, to the partner in collaboration with the Sales team

· Contribute to the building of standardized pricing tools across all business lines, ensuring consistency of methodologies, assumptions, and pricing frameworks

Manage the underwriting Committee

· Validate pricings done by local EA entities in accordance to the Group underwriting guidelines

· Challenge action plans taken by local EA entities on their unprofitable accounts

· Definition of pricing adjustments where applicable or other levers to steer profitability

· Coordinate with the Irish Branch of the Europ Assistance Group to share analyses on the profitability of the Travel International portfolio.

· Accompany the sales teams to present technical performance of the program during Annual Business Reviews

· Contribute to Group initiatives for product catalogue creation and pricing standardization, two key prerequisites for the implementation of the new core insurance platform.

· Support the development of new products (e.g., cyber PPI…).

· Ensure compliance with Product Oversight & Governance (POG) requirements and Group product standards.

Data Management & profitability Steering

· Support the definition and maintenance of high‑quality data foundations for pricing, underwriting, and profitability monitoring.

· Partner with Data, IT, and local teams to improve data quality, completeness, and availability across markets (claims, exposure, segmentation variables, booking windows, etc.).

· Contribute to the design of standardized data models and data governance rules to enable consistent pricing and monitoring across all business lines.

· Ensure proper documentation of pricing datasets, assumptions, and methodologies.

· Support the development of automated data pipelines and dashboards to accelerate pricing processes and enhance decision‑making.

Your contacts will be

· EA Holding

· General Management

· Global Sales team

· Data team

· Actuarial team

· EA local entities

· Sales team

· Pricing & underwriting team

Education or equivalent experience

· Bachelor's degree in actuarial science, mathematics, or related area.

Skills/ Knowledge/abilities

· You have a strong technical background in actuarial science or insurance.

· Your technical knowledge has been supplemented by 7-10 years of prior experience in the underwriting of property and casualty insurance business

· You are willing to work in an international environment in close collaboration with the commercial team and willing to be exposed to our partners

· You have a good level of English (the Group's language of exchange)

· Organized and autonomous: you will have to manage different topics and activities at the same time

· Excellent analysis and synthesis capabilities; ability to communicate technical results to an audience with a different background

· Proactive and relationship building oriented, driven by curiosity and personal initiative

• Monitoring and analysing the technical bases of the various risks;
• Reinsurance treaty monitoring: calculation and monitoring of reinsurance premiums and claims and monitoring of the relationship with the reinsurer.
• Monitoring and calculating statutory & IFRS reserves (mathematical reserves + claims reserves) + assessing the adequacy of existing provisioning methods and proposing any necessary adjustments.
• Analysing and monitoring production and claims experience using statistical tools (Python/R) and automating reports/dashboards via PowerBI, etc.
• Preparing and reporting the technical result for the quarterly/annual closings.
• Drawing up actuarial studies relating to claims experience, Boni-Mali, adequacy of loading and correspondence between provisions and expected liabilities.
• Participating in drawing up the budget and profit study.
• Communication and collaboration with other departments (Pricing, Solvency II, IFRS17, etc.).
• Setting up an underwriting risk dashboard to communicate clearly and effectively with other departments.
• Implementing/adapting the tools needed to monitor risk and estimate cash-flow and commitments.
• In-depth data analysis and process automation.

Profil

• Master’s degree in actuarial science, Statistics, Mathematics
• 2 to 3 years' experience in insurance is a plus,
• Very good knowledge of databases, and ability to code in Python, VBA(VB), R
• Good knowledge of English, French and/or Dutch
• Knowledge of IT tools such as Microsoft Excel, Acces, ....
• Excellent analytical thinking skills, a keen and critical eye for figures and the ability to make judgements
• Good organisational skills, ability to meet deadlines and stress resistance
• Result driven, Teamplayer, Proactive and Responsible

• Provide strategic oversight of risk assessment and pricing decisions across life, disability, critical illness and accident portfolios.
• Ensure adherence to underwriting authority limits, and approve cases escalated cases
• Lead the development, refinement and governance of pricing assumptions, technical bases and rating tools for all lines of risk.
• Update underlying pricing methodologies to ensure competitiveness and alignment with portfolio objectives
• Execute the Portfolio Management Strategy for selected clients and monitor portfolio developments, identifying trends and opportunities for improvements
• Support the negotiations with brokers and key clients together with sales team, providing technical direction, with consistent communication of underwriting rationale
• Ensure underwriting processes, pricing tools, documentation and decision-making frameworks meet regulatory requirements & standards
• Work with Medical Underwriting, Claims, Finance, Actuarial and Product teams to ensure alignment on technical positions, pricing adequacy, and product evolution
• Oversee accuracy and consistency on policy terms in term of renewals and endorsements. Ensure underwriting decisions are appropriately reflected in final documentation
• Steer strategic initiatives aimed at enhancing underwriting capabilities, pricing sophistication, data utilisation and operational efficiency

Profile

• +7 years of experience in Insurance, specifically in pricing & underwriting functions
• Solid experience in group insurance (especially life, disability, critical illness, accident) is mandatory
• Master’s degree (preference) in Insurance, Actuarial Science, Economics, or related fields
• Knowledge of regulatory requirements
• Strong analytical and risk assessment capabilities
• Excellent communication and negotiation skills
• Detail-oriented, proactive, customer-focused but team oriented, curious, proactive and resilient
• English fluent and any other language would be considered an asset

• Supporting and engaging with clients by leading projects in all aspects of actuarial work including Pricing, Model Development, Capital Management, Reserving and Reporting.
• Working on the development of the business and building client relations.
• Leading project teams, managing the work of other team members, reviewing the quality and progress to ensure timely and accurate delivery to the client.
• Contribute to the development of the company’s intellectual capital including plans for taking this to market.
• Leveraging knowledge through training, development and mentoring of other colleagues within the company.

• Actuarial consulting and/or relevant technical and managerial experience.
• 5+years of relevant working experience in Belgian (non-)life insurance, risk and/or balance sheet management.
• Actuarial or technical studies background.
• Fellow of the IA|BE or a similar association.
• Energetic, intelligent and self-motivated.
• Entrepreneurial, able to maintain and develop client relations.
• Effective communication skills; excellent verbal and written communication skills.
• Fluency in English and Dutch, French is a plus.

Our client, an international insurer, is looking for a Product Actuary Life (br21/23). Acting as a central pivot, you collaborate with Sales, Actuarial, and Marketing teams to turn the company's growth ambitions into reality. 

• Product Development: Coordinate the end-to-end Product Development Process for new and existing Life Retail products.
• Portfolio Management: Monitor the performance of the Branch 21 and Branch 23 portfolios using smart KPI dashboards and implement strategic adjustments where necessary.
• Go-to-Market Strategy: Develop and execute the annual marketing plan to strengthen our market position and drive profitable growth.
• Stakeholder Management: Serve as the central expert for internal stakeholders and convince senior management through robust business cases and presentations.
• Market Intelligence: Transform complex data and competitive analysis into concrete improvement projects for our products and customer journeys.

Profile

• You hold a Master’s degree (e.g., Actuarial Science, Economics, Business Engineering, etc.)
• At least 3 to 5 years of experience in product management within the insurance sector, specifically in Life insurance
• You possess deep knowledge of the Belgian or Dutch markets regarding Branch 21 and Branch 23 products
• You are analytically strong, commercially minded, and capable of communicating complex matter with clarity
• You are fluent in English and Dutch; proficiency in French is considered a strong asset. 

Our client, an international insurance company, is looking for an Experienced P&C Actuary to support the Finance, Actuarial & Reinsurance division.

He/she will be in charge of the following tasks :

• Define and model the technical and pricing characteristics of non-life insurance products (tariffs, premiums, coverages, terms & conditions, etc.).
• Assess product profitability and perform risk, cost and performance analyses.
• Build and maintain actuarial models tailored to non-life portfolios.
• Monitor product portfolio performance and track key indicators (claims ratios, cost ratios, profitability, etc.).
• Produce analytical reports and recommendations to support management in product development and strategic decisions.
• Collaborate closely with marketing, underwriting, underwriting policy and risk teams to ensure product relevance and regulatory alignment. 

Profile

• Master’s degree in Actuarial science, Mathematics, Statistics, Economics or a related field.
• Solid experience (approx. 5+ years) in non-life insurance, ideally in product development, pricing or actuarial modelling.
• Strong command of data analysis, actuarial modelling and statistical methods, as well as proficiency with standard IT tools (Excel, databases, actuarial software is a plus).
• Understanding of pricing principles, risk management and non-life insurance regulation.
• Analytical, rigorous and results-oriented, able to translate complex data into clear insights.
• Excellent teamwork and communication skills (in Dutch), capable of interacting with both technical and business stakeholders.
• Flexible, adaptable and service-minded, with the ability to contribute to the
  development of innovative and competitive insurance products.