Chief Insurance Officer - CIO (F/H)

Join Dalma, a rapidly growing pet insurance startup, as the Chief Insurance Officer (CIO). In this key position, you will own the insurance strategy end to end, leading a dedicated team and sitting on the Executive Committee. You will be responsible for carrier strategy and external relations, product architecture and market vision, pricing and actuarial oversight, and internal governance. The ideal candidate will have around 10 years of experience in insurance, a strong quantitative sensibility, and a builder mindset. Fluency in English is required, and knowledge of French or German is a plus.

• Diriger la stratégie d'assurance de Dalma, y compris les relations avec les assureurs, la vision du produit, la supervision des risques et la tarification.
• Gérer une équipe dédiée, composée d'un actuaire senior, d'un expert en modélisation prédictive et d'une équipe d'experts en données.
• Négocier les relations commerciales avec les assureurs, anticiper les renouvellements et les risques de dépendance aux assureurs.
• **Experience:** ~10 years in insurance, ideally in P&C (IARD) or health/protection with a strong data component
• **Insurance expertise:** You know insurers from the inside, master the key elements of contracts, and have directly negotiated reinsurance or co-insurance programs
• **Quantitative sensibility:** You understand and challenge actuarial pricing and elasticity models — without necessarily being an actuary yourself
• **Business instinct:** You've owned a P&L or a product line, not just a technical function
• **Management:** You've already led a cross-functional team (actuarial, data, business)
• **Builder mindset:** You've worked in environments where you had to build, not just operate
• **Languages:** Fluent English required; French or German a plus
• **Location**: Local contract (Paris, Berlin), or fully remote work is possible (with regular trips to the Paris headquarters—about once a month)

**Nice-to-haves:**

• Experience at an MGA or insurtech at a comparable growth stage
• Knowledge of the European pet insurance market (ideally FR/DE)
• Exposure to embedded/affinity insurance