The role holder will be the A&H; Operating Lead for A&H; EMEA. They will be responsible for all underwriting operations across A&H; EMEA LOBs (Travel, DM/Affinity, Corporate), acting in close collaboration with the Head of A&H; EMEA and ensuring the business runs with discipline, pace, and strategic coherence. The A&H; Operating Lead will coordinate across functions, drive the business rhythm, and translate leadership intent into operational delivery.

Process & Operating

- Ensure adherence to Underwriting Guidance, Processes and Best Practices including usage of Cadence / raters and other underwriting tools, and drive consistency across all LOBs (Travel, DM/Affinity, Basic Book).
- Ensure price monitoring is in place in alignment with actuaries and Line Leaders requirements.
- Champion the adoption of AI and automation tools, identifying opportunities to streamline underwriting workflows, reduce manual effort, and improve data quality across all LOBs.
- Partner with IT, Data & Analytics, and Line Leaders to define business requirements for AI-enabled underwriting tools (e.g., automated risk assessment, pricing models, document ingestion), and participate in UAT and change management activities.
- Steer the peer review process: selecting accounts early in each quarter, assigning and controlling deadlines; monitoring and addressing follow-up measures; controlling and reporting peer review results/trends and holding of necessary trainings.
- Own the A&H; EMEA business rhythm - including the annual operating calendar, quarterly business reviews, and monthly performance reporting cadences - ensuring all operational cycles run on time and to a consistent standard.
- Synthesise business performance data from across Underwriting, Claims, Actuarial,



and Finance into concise executive briefings and dashboards for the Head of A&H; EMEA and senior stakeholders.

Governance & Quality

- Monitor underwriting breaches (reporting, justification, and remediation actions).
- Embed AI governance principles into underwriting processes, ensuring that AI-assisted decisions are transparent, auditable, and compliant with Chubb's underwriting authority framework and regulatory requirements.
- Lead and coordinate the preparation, agenda-setting, and follow-up of leadership team meetings, governance forums, and town halls on behalf of the Head of A&H; EMEA, ensuring decisions are captured, communicated, and tracked to completion.

Training & Competency

- Organise, develop, and deliver relevant underwriting trainings to ensure that underwriters have the knowledge they need to perform their role in line with existing best practices; incorporate UW experience and requirements by adapting the process organisation to increase practical relevance.
- Oversee local authorities, in conjunction with regional line leaders, coordinating the development of technical and commercial skills across the underwriting staff.
- Develop and deliver training programmes to upskill underwriters in the effective and responsible use of AI tools, fostering a culture of data-driven decision-making alongside sound underwriting judgement.




- Act as the central coordination point across A&H; EMEA functions (Underwriting, Claims, Actuarial, Distribution, Finance), brokering alignment across teams and ensuring cross-functional initiatives are delivered coherently.
- Lead programme management of strategic and cross-functional projects on behalf of the Head of A&H; EMEA, maintaining visibility of workstreams, dependencies, risks, and milestones.
- Manage internal and external communications on behalf of A&H; EMEA leadership, including the preparation of presentations, briefing notes, and talking points for senior forums and external engagements.

Qualifications

Required Skills and Experience

- At least 10 years of experience in the insurance sector.
- Solid underwriting background in P&C; or A&H; lines of business.
- Demonstrated experience in underwriting operations or operational leadership capacity.
- Proven project and programme management capabilities, with the ability to manage multiple concurrent workstreams.
- Familiarity with AI/ML applications in underwriting (e.g., risk scoring, NLP-based document review, predictive analytics).
- Degree in a relevant technical discipline.
- Exceptional communication and stakeholder management skills; able to navigate a complex matrix across product lines, functions, and geographies.
- Demonstrated ability to influence and engage senior management with confidence and credibility.
- Structured, outcome-focused approach with the ability to manage competing priorities without losing sight of the detail.
- Diplomatically assertive; comfortable challenging constructively and holding peers and senior stakeholders to account.

📌 A&H Operating Lead EMEA (Madrid)
🏢 Chubb Insurance Hong Kong
📍 Madrid