Chief Insurance Officer CIO (FH)

Dalmas ambition is to become the go-to pet insurer in Europe. To get there were creating a key position: Chief Insurance Officer (CIO).

Youll own Dalmas insurance strategy end to end from relationships with our risk carriers to product vision from risk oversight to pricing supervision with a dedicated team reporting directly to you and a seat on the Executive Committee (ComEx).

Organization & management

Youll lead a team made up of:

• A senior actuary

• An expert in predictive modeling notably for our pricing strategy (currently being recruited)

• A team of Data experts in charge of insurance data and analytical support on pricing and churn projects

And work closely with:

• Our Product & Tech teams

• Our founders

Carrier strategy & external relations

• Lead the relationship and commercial negotiations with our risk carriers

• Anticipate renewals and carrier-dependency risks

• Build the risk-carrying strategy and prepare structural changes ahead

Product architecture & market vision

• Own the vision for product evolution coverage exclusions add-ons

• Define the insurance product roadmap in partnership with the Product team

• Lead competitive intelligence across the French and German markets

Pricing & actuarial oversight

• Oversee pricing models price elasticity and cohort segmentation

• Validate segmentation assumptions and cohort pricing

• Be the guardian of the Loss Ratio and projection models

• Ensure consistency between pricing decisions and risk exposure

Internal governance

• Sit on the ComEx as the lead for insurance strategy

• Be the direct interface with the founders on strategic decisions

• 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: Youve owned a P&L or a product line not just a technical function

• Management: Youve already led a cross-functional team (actuarial data business)

• Builder mindset: Youve 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 headquartersabout 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

• Step 1: Initial HR call

• Step 2: Interview with one of our founders strategic fit and vision

• Step 3: Business case with our founders

• Step 4: Team fit with members of the Insurance team

• Step 5: Reference checks