Senior Product Expert - Auto Insurance

Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits... don't hesitate to apply!

Master or bachelor's degree with a minimum of 3 years of professional experience in product design, preferably in the Insurance or Bancassurance sector.

Curiosity to understand the industry, bank, and customer dynamics.

Proactivity to create from scratch and connect points thinking strategically to drive change while building towards the vision.

Accountability to get things done generating rigorous output based on data and facts.

Combination of analytical mindset and skills together with pragmatic thoughts to deliver and have impact on customers and bank results.

Customer focused and results-oriented person

Great organizational, oral and written communication skills

Passionate about innovation, new market trends and future thinker

Able to work in an autonomous way, to take initiative and to make things happen with a can-do attitude

Problem solving mindset

Good team player, willing to collaborate with different people

Very good oral and written English skills

Ability to work at an international level

Versatility and experience in several business domains is a plus

The time you spend at work, the challenges you face or the lessons you get are very important, but... What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.

Check out what is waiting for you!

Be flexible, my friend.

Our model is all about flexibility and accountability. Keeping both our customers and our colleagues' needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self. Do your thing.

Restaurant card.

So that thinking about what to have for lunch doesn't take up your time or your cravings.

Our house will be your home.

In our offices you can find electric mobility solutions, a doctor, a hairdresser, a gym, The Good Service (to help you with your errands) and much more!

Seguro médico.

Para ti y toda tu familia (cónyuge/pareja e hijos).

Seguro de vida.

Te ayudamos a proteger lo que más te importa.

Retribución flexible.

Además, disfrutarás de nuestro modelo de retribución flexible, a través del cual podrás acceder a otros servicios de forma más ventajosa fiscalmente, como guardería, tarjeta de transporte, formación...

Autobús de empresa gratuito.

No importa dónde vivas. Tenemos 6 rutas (Norte, Centro, Sur, A5, A42 y A6) para llegar cómodamente a nuestra oficina de ING en Madrid.

Banking benefits.

Special loans with more beneficial conditions.

Special mortgage conditions after 6 months working at the bank.

And you can benefit from our pension plan after 1 month with us!

360º care of the employee (physical, mental, social connection & purpose).

Physiotherapy service on site.

Clinics with professional, world-class athletes.

Gympass service.

Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.

International Remote Work Program.

At ING we are looking for a Senior Product Expert for the Protection Team

We are looking for a talented and enthusiastic Senior Product Expert to join our Insurance Team of Insurance Tribe to lead Auto NARANJA

The responsibility of this team is to deploy insurance products that change how people feel about insurance, with personal, fair and transparent propositions. You will help us to develop new customer features, seamless customer processes and new enablers to be faster in future developments.

As a start, you will be leading as Senior Product Expert the development of Auto Insurance.

You will promote and position our insurance in the market, thinking beyond to compete in current and future landscape supporting ING's profitable growth, with demanding commercial targets.

You have an end-to-end responsibility for providing customers the most reliable and innovative way of managing their relationship with us, focusing on delivering the products and services they need, boosting sales while leveraging on the brand and bank customer obsession.

You are the "Business Guardian" of your product/service working with Risk, Compliance, and Legal stakeholders, to make sure our products and services comply with regulation and policies.

You will work closely with customers and key stakeholders to achieve the initiatives that respond to the vision, strategy and road map of ING Spain,specially with the insurer and ING assisted channels.

new standalone and mortgage-linked Life Insurance product. A completely new proposition for our customers.

You have a data mindset; you observe what happens around you and what we are building and challenge or adapt if we are not going in the right direction.

You work in Agile teams, focusing always in delivering value to our customers in a fast way while continuously improving the way we work.

You are also an active member of a Chapter supporting in improving the way of working and where you work on your craftsmanship.

You are a team player. You are actively involved in the maintenance, development and realization of (new) services & functionalities. As an expert, you will deliver all the necessary business know-how and skills within the Squads to realize the shared Tribe purpose.

As a Customer Journey Expert you will report to a Product Owner and in certain touchpoints to the Insurance Tribe Lead.

As a Senior Product Expert you will:

Product & Service Strategy: Lifecycle management to develop, launch and maintain an attractive and compliant value proposition in the market, providing the best customer satisfaction. Responsible for guaranteeing bank revenue and benefit-cost balance, presenting business cases with benefit tracking after the implementation. Commercial acumen to ensure accomplishment of business results.

Help to stablish pricing strategies for ING Spain´s insurance products, to create the foundations needed to compete in the current and future market landscape supporting the profitable growth of the bank.

Support specific pricing actions both in business as usual and in promotions decisions to ensure commercial goals maintaining a customer perspective.

Data Fluency: Comprehend, define, select, and analyze data to garner insights that enhance the decision-making process. Translate ambiguous environment to meaningful indicators and provide the capacity for driving powerful business insights faster.

Stakeholders management: be the representative of ING Spain before the insurer, following up a solid governance, and also Head Office to benefit from other countries best practices.

Customer Experience: Provide the best customer experience by designing, mapping and constantly improving the customer journey performance, leveraging on PACE methodology. Coupled with an end-to-end process view to be able to collect CX insights and data; and translate it into UX and IT landscapes.

Agile Delivery: Translate business needs into requirements for the implementation. Prioritize initiatives in short cycles, based on value delivery for our customers, defining an initial MVP to be improved with the feedback gathered. Strive for efficiency, reducing complexity in our definitions and pursuing innovative solutions. Manage dependencies, non-financial risk issues and impediments.

Digital Strategy. As experts in digital experience, be proactive in the identification of new capabilities in our digital platform in order to engage our customers and increase efficiency of our assisted channels, bringing the best experience in moments of truth. Support the adoption of cyber security practices to effectively protect our customers from risks in the digital world.

Assisted channels: you will need to have a permanent touchpoints with call center and branches to train, teach, get feedback and ensure targets are set and achieved

At ING we are looking for a Senior Product Expert for the Protection Team

Your role and working environment:

We are looking for a talented and enthusiastic person to join us as a Senior Product Expert in our Insurance Team within the Insurance Tribe

The responsibility of this team is to deploy insurance products that change how people perceive insurance, with personal, fair, and transparent proposals. You will help develop new functionalities for customers, seamless customer processes, and new enablers to be more agile in future developments.

As a starting point, you will lead the development of Auto Insurance as a Senior Product Expert.

You will promote and position our insurance in the market, thinking beyond to compete in the current and future environment, supporting the profitable growth of ING, with demanding commercial objectives.

You will have end-to-end responsibility to offer our customers the most reliable and innovative way to manage their relationship with us, focusing on delivering the products and services they need, driving sales while leveraging the bank's brand and customer obsession.

You will be the "Business Guardian" of your product/service, working with stakeholders from Risk, Compliance, and Legal to ensure that our products and services comply with regulations and policies.

You will work closely with customers and key stakeholders to achieve initiatives aligned with the vision, strategy, and roadmap of ING Spain, especially with the insurer and ING's assisted channels.

You are passionate about improving the customer experience across different channels and have extensive knowledge of product and service strategy.

You have a data mindset; you observe what is happening around you and what we are building, and you question or adapt if we are not heading in the right direction.

You work in Agile teams, always focusing on delivering value to our customers quickly, while continuously improving the way we work.

You are also an active member of a Chapter, contributing to improving the way of working and developing your craftsmanship.

You are a person with a team spirit. You participate actively in the maintenance, development, and implementation of (new) services and functionalities. As an expert, you will provide all the necessary business knowledge and capabilities within the Squads to achieve the shared purpose of the Tribe.

As a Customer Journey Expert, you will report to a Product Owner and, at certain touchpoints, to the Insurance Tribe Lead.

Your key responsibilities:

As a Senior Product Expert:

Product & Service Strategy: Lifecycle management to develop, launch, and maintain an attractive and compliant value proposition in the market, providing the best customer satisfaction. Responsible for ensuring bank revenue and the cost-benefit balance, presenting business cases with benefit tracking after implementation. Strong commercial focus to ensure the fulfillment of business results.
Help establish pricing strategies for ING Spain's insurance products, creating the necessary foundations to compete in the current and future market environment, supporting the profitable growth of the bank.
Support specific pricing actions in both business as usual and promotion decisions to ensure commercial objectives while maintaining a customer perspective.

Data Fluency: Understand, define, select, and analyze data to obtain insights that improve decision-making. Translate ambiguous environments into meaningful indicators and provide the capability to generate high-impact business insights more quickly.

Stakeholders management: act as a representative of ING Spain before the insurer, following solid governance, and also before Head Office to benefit from the best practices of other countries.

Customer Experience: Provide the best customer experience through the design, mapping, and continuous improvement of customer journey performance, leveraging the PACE methodology. All this with an end-to-end process vision to be able to collect CX insights and data, and translate them into the UX and IT environment.

Agile Delivery: Translate business needs into requirements for implementation. Prioritize initiatives in short cycles, based on the delivery of value to our customers, defining an initial MVP that is improved with the feedback collected. Seek efficiency, reducing complexity in our definitions and pursuing innovative solutions. Manage dependencies, non-financial risks, and impediments.

Digital Strategy: As an expert in digital experience, be proactive in identifying new capabilities in our digital platform to engage our customers and increase the efficiency of assisted channels, providing the best experience at the moments of truth. Support the adoption of cybersecurity practices to effectively protect our customers from digital environment risks.

Assisted channels strategy: you will have constant interaction with the call center and offices to train, teach, obtain feedback, and ensure that objectives are set and achieved.

What are we looking for?

Do you want to know if this position is for you? These are some of the qualities we value most for this role. And if you fit... don't hesitate to apply!

Degree or master's with a minimum of 3 years of professional experience in product design, preferably in the insurance or banking sector.
Curiosity to understand the industry, the bank, and customer dynamics.
Proactivity to create from scratch and connect points, thinking strategically to drive change while building towards the vision.
Accountability to execute, generating rigorous results based on data and facts.
Combination of analytical and pragmatic mindset to deliver results and generate impact on customers and bank results.
Customer and results-oriented person.
Excellent organizational and oral and written communication skills.
Passion for innovation, new market trends, and future vision.
Ability to work autonomously, take initiative, and make things happen with a proactive attitude.
Problem-solving mindset.
Good team player, willing to collaborate with different people.
Very good level of oral and written English.
Ability to work at an international level.
Versatility and experience in different business domains is a plus.

What do we offer?

The time you spend at work, the challenges you face, or the learning you acquire are very important, but... what about your personal life? At ING we want your work to fulfill you in every sense, and that is why we take care of even the smallest detail.

Discover what awaits you!

Be flexible my friend.
Our model is based on flexibility and responsibility. Taking into account the needs of both our customers and our colleagues, you will jointly decide which days you work from home and which days you come to ING MAD to give your best. Do your thing.

Restaurant card.
So that deciding what to eat doesn't take up your time or your appetite.

Our house will be your house.
In our offices you'll find electric mobility solutions, medical service, hairdressing, gym, The Good Service (to help you with your errands) and much more!

Health insurance.
For you and your whole family (partner and children).

Life insurance.
We help you protect what matters most.

Flexible compensation.
In addition, you'll enjoy our flexible compensation model which, through a more tax-advantaged approach, will give you access to services such as daycare, transport card, training support...

Free company shuttle.
It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to take you comfortably to our ING offices in Madrid.

Banking benefits.
Special loans with more advantageous terms.
Special mortgage conditions after 6 months working at the bank.
And you'll be able to benefit from our pension plan after 1 month with us.

More vitality and more sense of belonging
360º care for employees (physical, mental, social connection and purpose).
On-site physiotherapy service.
Clinics with professional elite athletes.
Gympass service.
Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.
International remote work program.

Get to know us

We are a team of more than 1,800 people sharing one idea: doing our bit to help our customers create a better future, providing them with the tools they need to get where they want to go.

A 100% online bank where technology, innovation, simplicity and transparency are the main ingredients, and a pioneer in working with Agile methodologies.

And although we are in Spain, we are lucky to be part of an international bank with a presence in more than 40 countries.

We are proud to have a diverse team and we are committed to continuing to develop a culture of Diversity, Inclusion and Belonging that fosters collaboration and innovation by representing all groups in society.

And although on the outside we are orange, on the inside we are green. Our ambition in sustainability is Empowering (y)our Sustainability journey. We are starting our journey, for ourselves, but we also accompany our customers when they decide to embark on theirs.

Making things happen, helping others succeed, always staying one step ahead: that is our DNA. If you look in the mirror and your reflection matches our way of being and working... we can't wait to meet you!

At ING, you belong as you are. We hire and support people for their talent and potential - and we know that when you can be yourself, you do your best work.

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