Head of Innovation — Insurance & Investments

Job Summary The Head of Innovation leads the organization's innovation strategy, emerging-technology agenda, experimentation, and development of new products, services, business models, and operating approaches. Within Insurance & Investments, the role identifies opportunities to use AI, automation, InsurTech, FinTech, data, digital platforms, and emerging technologies to improve customer experience, underwriting, claims, investment management, distribution, operational efficiency, and revenue growth. The role acts as a bridge between business strategy, technology, digital transformation, product development, and external innovation ecosystems. Key Responsibilities Innovation Strategy Develop and execute the enterprise innovation strategy and roadmap. Establish innovation priorities aligned with corporate and business-unit objectives. Identify emerging market, technology, customer, and business-model trends. Build an innovation pipeline covering short-, medium-, and long-term opportunities. Establish innovation governance, frameworks, KPIs, and investment criteria. Develop business cases and ROI models for innovation initiatives. Product & Business Model Innovation Identify opportunities for new insurance and investment products. Develop and test new digital products, services, and customer propositions. Explore alternative distribution and revenue models. Lead proof-of-concepts, pilots, MVPs, and commercialization programs. Conduct market and competitor analysis. Use