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Insurance Director

  • Applications are considered on a rolling basis
  • Bærum +3 more
  • Applications are considered on a rolling basis
  • Bærum +3 more

As Insurance Director you are responsible for leading the development and execution of a Nordic Insurance strategy, in order to optimise sales and income, whilst satisfying the needs of customers and partners. Responsibilities cover both product development as well as distribution activities.

As a member of the Commercial leadership team you will ensure an effective and collaborative communication between stakeholders both internally and externally, and continuously manage and seek for improvements regarding processes, products, sales, tools and development of competencies.

You lead a team of product and customer experience specialists, insurance sales leaders and analysts. The team is in charge of ensuring optimization and implementation of processes and products, sales and distribution of insurance products, and to define, implement and follow up internal and external policies, compliance and legal requirements in all processes related to insurance. Commercialization of development projects including internal approval, drive simplification and alignment of products, processes and systems.

You are closely aligned with Commercial and Operations teams and is the main contact to HQ Insurance team and pan Nordic Partners.

Your tasks will include, but not be limited to the following:

Insurance Strategy

  • Define and communicate vision for the Insurance portfolio to all stakeholders within the company
  • Oversee the Insurance product roadmap definition and decide on investment allocation to improvement and new development
  • Establish, execute and monitor the strategic direction of the assigned product portfolio based on customer and partner needs and in line with overall bank strategy
  • Prioritize the product portfolio according to market demand and profitability
  • Keep up to date with current market conditions (strategy, products, network)
  • Budget allocation assigned to Insurance and implementation of each product in the portfolio

Sales optimization

  • Develop sales of insurance products across all distribution channels (point of sale, telemarketing and digital).
  • Implement processes to identify and improve point of sale location and telemarketing agent performances.
  • Develop and implement tools to support strong processes (e.g. scripts, trainings, remuneration packages, campaigns).
  • Agree insurance opportunities and sales objectives with sales networks.
  • Utilise data driven processes with sales networks to continuously monitor performance and identify opportunities/corrective actions.
  • Manage a portfolio of clients, achieving targets for new business and renewals/retention of current clients.
  • Work with all commercial functions to secure solid collaboration and teamwork
  • Operate with a proactive and customer centric mindset.

Product and business development

  • Manage product and product portfolio profitability (Profit and Loss accountability)
  • Manage and monitor product portfolio specific KPIs
  • Approval of pricing for insurance products & deals
  • Drive product simplification and standardization of product portfolio on bank level
  • Accountable for ensuring that the product portfolio meets legal and regulatory compliance, as well as external requirements
  • Lead Cross functional teams for product optimization and development to secure profitable transition from new customer (early lifecycle) to repeat customers
  • Guide and advise local markets in adaption of products to local needs
  • Own and prioritize product Backlog for insurance products
  • Support the product team on new product innovations and improving existing products

Be an ambassador for Santander values and behaviours, including our leadership commitments:

  • Be open and inclusive to promote diversity
  • Encourage your team to prosper, by supporting the team to develop and make impact
  • Inspire and execute transformation, by having a clear strategic vision and delivering sustainable outcomes
  • Lead by example, by always being Simple, Personal, and Fair

Personal Characteristics

  • Strong commercial skills with a proven track record.
  • Results and growth oriented
  • Highly collaborative and service oriented mindset
  • Innovative mindset – ability to change, keep and strengthen our competiveness
  • Ability to quickly and proactively adapt and respond to changing environment
  • Has ability to influence and connect with cross functional teams
  • Strategic mindset
  • Responsible with a high ethical standards, hardworking with strong drive
  • Is energizing and passionate, possess strong sense of commitment
  • Is proactive with ability to work independently and at the same time a true team player

Competencies and Skills

  • Business opportunity focused
  • Competencies on drivers for sales and customer satisfaction
  • Project manager ability
  • Structured and systematic skills
  • Like to create processes and routines
  • Critical and creative thinking
  • Presentation skills
  • Excellent written, verbal and presentation skills in English
  • Insurance product and regulation knowledge

Preferred Experience

You have extensive experience from the banking and/or insurance industry. You have worked as leader and preferably cross country.

It will be considered as a plus is you have experience in insurance sales and solutions for the customer needs in the automotive finance market.

We offer

  • An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing
  • A corporate culture that is professional and dynamic, yet informal. Bureaucracy is kept to a minimum, as we expect our skilled employees to make long lasting and impactful decisions to shape our future
  • Highly competent, dedicated, and friendly co-workers with strong collaboration across the Nordics

This position can be located in any of our Nordic locations in Helsinki, Hvidovre, Solna or Lysaker.


If you have the right profile and enthusiasm, please submit your application and CV as soon as possible. Applications are considered on an ongoing basis and the add will be closed when we have the right candidate.

If any questions feel free to contact Chief Commercial Officer, Steve Franklin

Great Place to Work

  • We invest in you

  • Innovative and looking to the future

  • BeHealthy | Your health is important to us

  • Social events for all employees

  • Engaged colleagues

  • Dynamic work environment

  • Employee benefits and discounts

  • We give back to society

  • Competitive insurance and pension plans

  • Gode pensions- og forsikringsforhold

  • Vi investerer i din udvikling

  • Vi giver tilbage til samfundet

  • Medarbejderfordele og rabatter

  • Dedikeret kollegaer

  • Globale muligheder

  • Sociale arrangementer for alle medarbejdere

  • Innovativ og fremadtænkende virksomhed

  • Gode forsikrings- og pensjonsordninger

  • Engasjerte kolleger

  • Sosiale arrangement for alle ansatte

  • BeHealthy | Din helse er viktig for oss

  • Innovativt og fremtidsrettet selskap

  • Vi investerer i deg

  • Vi gir tilbake til samfunnet

  • Personalgoder og rabatter

  • Dynamisk arbeidsmiljø

  • Sociala evenemang för alla anställda

  • Dynamisk arbetsmiljö

  • Vi ger tillbaka till samhället

  • Konkurrenskraftiga pensioner & försäkringar

  • Innovation, förbättring och utveckling

  • Globala möjligheter

  • Friskvård - din hälsa är viktig för oss

  • Engagerade kollegor

  • Personalförmåner via Benify

About the company

We are a Nordic bank with more than 1,400 colleagues in Sweden, Norway, Denmark and Finland, and proud to be part of Banco Santander, one of the largest banks in the world with a solid history going back more than 160 years.

Our purpose is to help people and businesses prosper and we aim to be the best retail and commercial bank, earning the lasting loyalty of our people, customers, shareholders and communities - through simple, personal and fair banking.

In our organization we foster and value an engaged, challenging and passionate environment that provides opportunities for personal and professional growth. We operate in an ever changing environment, and believe the key to success is innovative involvement, a playful approach to active learning and continuous improvement in our daily work.

We are firmly committed to being a responsible bank in the way we operate, our culture, caring for our environment and giving back to society. Banco Santander is recognized as the most sustainable bank in the world following the publication of the Dow Jones Sustainability Index (DJSI) for 2019.

Read more about responsible banking on our global webpages.

Santander Consumer Bank is one of the largest Nordic banks providing loans and credits, credit cards, deposits and insurance to private customers.

To learn more about Santander in the Nordics, please visit our local webpages


TA Nordic Bank with global strength

TPart of Banco Santander – one of the world’s largest financial institutions

TBanco Santander’s history goes back more than 160 years

TWorld’s Most Sustainable Bank 2019 (Dow Jones Sustainability Index 2019)

TOver 1400 employees across the Nordics

TWe serve over 1.6 million customers

TStrategic partnerships with over 10 000 car dealers, merchants and brokers

TInnovation is key to our future success

TBanco Santanders historie går mere end 160 år tilbage

TVerdens mest bæredygtige bank 2019 (Dow Jones Sustainability Index 2019)

T1.400 ansatte på tværs af Norden

TOver 1.6 mio kunder

TStrategiske partnerskaber med mere end 10.000 bilforhandlere, indkøbere og brokere

TInnovation er nøglen til vores fremtidige succes

TVi leverer digitale kundeoplevelser

TEn Nordisk bank med global styrke

TEn del af Banco Santander – en af verdens største finansielle institutioner

THistorien vår går tilbake til 1963 i Norge

TOver 600 000 kunder og 3500 partnere i Norge

T50/50 fordeling menn og kvinner

TOver 600 000 kunder og 3500 partnere i Norge

TStørst på billån i Norge

TFremtidsrettede | Først ute i Norge med ApplePay

TVi er dedikert til å være en ansvarlig långiver!

TInnovative | Vår siste nyvinning SHFT – en abonnementsløsning for bil

TEn nordisk bank med global styrka

TDel av Banco Santander - en av världens största finansiella institutioner

TBanco Santanders historia går tillbaka mer än 160 år

TVärldens mest hållbara bank 2019 (Dow Jones Sustainability Index 2019)

T1400 anställda i Norden

TVi servar över 1,6 miljoner kunder

TInnovation är nyckeln till vår framgång

TVi levererar digitala kundupplevelser i framkant

Steve Franklin | Contact Person

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Santander Consumer Bank Nordics

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