Insurance Underwriter / Product Innovation Specialist

The Company Cover Genius is the global infrastructure for embedded protection. Active in over 60 countries and all 50 US States, we protect the customers of the world’s largest digital companies, including Klarna, Revolut, Stripe, Priceline, Agoda, Booking.com , Turkish Airlines, Tongcheng Travel, eBay, and Uber, with seamless, end-to-end experiences. Cover Genius has protected more than 73M customers globally across 240M policies with USD $3.2BN in gross written sales. Coming off a stellar year with 40% YoY revenue growth and a recent $100M capital raise , putting our valuation at $1.9BN, we are accelerating into our next phase of growth. As part of our team, you’ll help drive our AI-first roadmap, developing hyper-personalization engines, agentic distribution, and automated claims infrastructure, while building the scalable technology powering the fast-growing $70B embedded protection market. Our people are: Accountable, customer-obsessed, collaborative, driven Our people are not: Passive, defensive, siloed, hesitant About the role As an Insurance Underwriter / Product Innovation Specialist for the EMEA region, you will own the insurance product innovation roadmap. You are the primary resource for coverage analysis, innovation, and pricing, leading customer-centric designs that maximise value while achieving business objectives. You will manage all aspects of new protection product design and collaborate across partnership and vertical teams to ensure successful market entry. To drive success in this role, you will have a clear understanding of product design and proposition and a proven track record in developing insurance products. Insurance Underwriter / Product Innovation Specialist you will be responsible for leading and managing all aspects of new insurance and protection product design within our operations. You will lead customer centric product designs to maximise value delivered to customers while achieving our business objectives. Regular collaboration with the partnership team, the partner service team and vertical teams will be key in ensuring successful product innovations are achieved. What will your day look like? You will... Handle the development of customer-centric insurance solutions across various business verticals to support regional growth. Partner with Go-To-Market and vertical teams to design product solutions, prepare proposals, and conduct financial modeling for new and existing partnerships. Own the go-live execution and technical launch of new insurance solutions from an operational perspective. Execute the strategic product roadmap by collaborating with internal teams to enhance customer experience and meet partner goals. Drive continuous improvement of key product metrics, including NPS, operational costs, and loss ratios. Standardize insurance products by creating repeatable templates and portfolios to accelerate regional speed-to-market. Maintain deep subject matter expertise in specific product lines, including coverage innovations, pricing trends, and regulatory developments. To help us level up, you'll ideally have: Ideal candidate will possess a minimum of 6 years' experience in insurance product design, having pricing or actuarial background is a plus. Track record in developing innovative protection products. Experience working cross-functionally to deliver large and complex projects. Bachelor's degree in a relevant field, A postgraduate degree and/or record of academic achievement is also desirable Ability to adapt quickly to a start-up pace environment and culture. 🤔 Why Cover Genius? At Cover Genius, we create magic by turning the archaic into the extraordinary. We take one of the world’s oldest and most complex industries and reinvent it with world-class technology. Cover Genius doesn’t just disrupt legacy insurance; we make the impossible feel effortless.Our operating principles guide our mission: Make today matter: We deliver with urgency and excellence. We act decisively, move with intention, and hold a high bar.. Act with accountability: We own our commitments and take pride in delivering results that move us forward. Grow together: We are a collective of curious minds. We learn from wins and setbacks, share knowledge generously, and elevate each other every day. Inspire Each Other: We push each other to think bigger and pull together to go further. Champion Our Customers: We lead with empathy and center the customer, turning complex disruptions into seamless moments of trust.. Ready to make an impact? If you’re looking for a place where you’ll be challenged, trusted, and empowered, we’d love to meet you. The Legal & Privacy Stuff Cover Genius promotes diversity and inclusivity. We don't tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status. By submitting your application, you acknowledge that we may collect, store, and process your personal data for recruitment purposes. To ensure a fair evaluation, we may use AI to assist in sorting applications, but all final decisions are made by our hiring team and no candidate dispositions are automated. We will keep your information on file for three years from the date of your application. For detailed information about how we handle your data and our use of AI, please review our full Privacy Policy.