Senior Specialist – Digital Insurance

Role Overview

Senior Specialist – Digital Insurance at Elate. The role requires a hands-on leader who can develop customer-focused insurance propositions, manage insurer and technology relationships, oversee operational controls and translate commercial opportunities into scalable digital journeys.

Role Purpose

Lead the assessment, development and delivery of customer-focused digital insurance propositions. Act as the principal business owner for day-to-day decisions within the approved strategy, budget, delegated authority and governance framework.

Key Responsibilities

Product & Proposition Development

• Lead the assessment, development and delivery of customer-focused digital insurance propositions.
• Own product prioritization, proposition design, business requirements, customer journeys and launch-readiness recommendations.

Partnerships & Commercial Management

• Identify, evaluate and manage relationships with insurers, technology providers and other relevant partners.
• Lead commercial negotiations covering product terms, commissions, service levels and partner responsibilities within approved authority limits.
• Maintain clear accountability between distribution activities and insurer-retained responsibilities, including underwriting, pricing, reserving and claims liability.

Business Performance & Operations

• Own business performance across customer acquisition, conversion, revenue, retention, service quality and partner delivery.
• Establish effective operating processes covering sales, policy servicing, complaints, renewals, cancellations and claims coordination.

Compliance & Risk Management

• Ensure activities comply with applicable insurance regulations, internal policies, customer-protection requirements and approved operating controls.
• Identify and escalate regulatory, operational, commercial and customer risks, with authority to pause activities where material control gaps exist.

Stakeholder Coordination

• Coordinate delivery across Legal, Compliance, Risk, Technology, Finance, Operations, Marketing and Customer Care.

Reporting & Governance

• Prepare management reporting, business cases and decision papers, and recommend corrective actions where performance or delivery falls below expectations.

Qualifications & Experience

• Bachelor's degree in Business Administration, Insurance, Finance, Law or another relevant discipline.
• Recognized insurance professional qualification at certificate level or above, such as Cert CII, Insurance Institute Licentiate, or an equivalent recognized qualification.
• Senior insurance-sector experience suitable for a regulated leadership position.

Skills & Competencies

• Strong capabilities across digital distribution, insurer partnerships, product development, commercial management, regulatory compliance and insurance operations.