Personal Lines Manager

About the Role

The PL Manager is responsible for portfolio growth and management of the Auto, Personal Property and Warranty Service products. The role supports business development, pricing and risk management of motor insurance and other personal lines to ensure a profitable and sustainable portfolio while adhering to Office of Insurance Commission (OIC) and company guidelines.

Responsibilities

• Evaluate motor insurance applications (Private Cars, Commercial Vehicles, Fleets) by analyzing vehicle types, driver history, usage and geographical risk; assess Personal Property applications.
• Calculate and provide competitive premium quotes; manage fleet pricing and coordinate with actuarial team for non-standard risks.
• Monitor loss ratio of assigned motor and personal property portfolio; identify trends and recommend adjustments to underwriting guidelines or pricing.
• Provide technical support and advice to sales team, agents and brokers regarding policy terms, coverage options and premium calculations.
• Ensure all underwriting activities and policy wordings adhere to company internal controls and OIC regulations in Thailand.
• Assist in revamp and design of retail motor, personal property and warranty products, including development of new coverage packages and policy wording; liaise with Product Development and regulators for product filings.
• Collaborate with IT/Business Development to improve digital quoting platforms and support system and tables setup to ensure pricing and underwriting rules are accurately reflected.

Qualifications

• Bachelor's degree in Insurance, Statistics, Actuarial Science, Business Administration or related field.
• 5+ years of experience specifically in Auto and Personal Property in the Thai market.
• Strong proficiency in Microsoft Excel (data analysis, VLOOKUP, Pivot Tables) and PowerPoint.
• Familiarity with motor insurance rating factors and Thai motor policy tariff structures.
• Good command of Thai and English (verbal and written) to interact with international stakeholders.

Core Competencies

• Analytical thinking to interpret complex data for informed risk decisions.
• Negotiation skills to balance distribution needs with profitability requirements.
• Attention to detail for reviewing policy terms, pricing algorithms and structures.
• Agility to handle multitasking and meet turnaround times in a fast-paced environment.

Benefits

• Total Rewards program including benefits focused on health, wellbeing, financial security and professional development.