Risk and Insurance Supervisor

Description

Job Summary: The Risk and Insurance Supervisor is the internal expert responsible for risk transfer and mitigation—including credit risk—ensuring appropriate corporate coverage and fulfillment of contractual obligations. Key Highlights: 1. Expert in risk transfer and mitigation 2. Insurance program management and credit analysis 3. Internal consulting and market relationship **Job Description:** The Risk and Insurance Supervisor is the internal expert in risk transfer and mitigation, including credit risk. The core responsibility is to ensure the company is adequately protected against potential losses and that all contractual guarantee obligations are fulfilled. **The incumbent will have the following key responsibilities:** **Contractual Risk Analysis and Management:** Critically analyze risks inherent in new contracts, projects, and commercial partnerships, identifying exposures and proposing mitigation strategies. Review and negotiate insurance, surety, and guarantee clauses (e.g., Performance Bonds, Execution Guarantees, Professional Liability Insurance, etc.) in contracts with customers and suppliers, ensuring compliance with the company’s risk management requirements. **Insurance Program Management:** Manage the full lifecycle of the company’s insurance policies (property, liability, D&O, etc.), from quotation and placement through renewal. Collaborate with business units to prepare slips and technical specifications (insurance requisitions) containing accurate and detailed information for the insurance market. Negotiate terms, conditions, premiums, and deductibles with insurers and reinsurers to achieve optimal cost-benefit outcomes. **Market Relationship Management:** Select, develop, and manage relationships with partner brokers, insurers, and reinsurers, evaluating their performance and alignment with the company’s strategy. Maintain active networking within the insurance market to identify new coverages and risk transfer solutions. **Credit Risk Analysis:** Conduct credit risk and financial capacity analysis of customers, suppliers, and partners—particularly in transactions involving credit insurance or financial guarantees. Propose exposure limits and mitigations for default risk. **Internal Support and Consulting:** Serve as an internal consultant to requesting departments (Legal, Commercial, Projects, etc.) on matters related to risks, insurance, and contractual guarantees. Monitor and manage implementation and compliance with insurance and guarantee clauses across projects and contracts. Coordinate the notification and claims handling process, ensuring proper indemnification for losses. **Requirements:** Academic Qualifications **Mandatory:** Bachelor’s degree in Business Administration, Law, Engineering, Economics, or related fields. **Preferred:** Postgraduate degree, MBA, or specialized courses in Risk Management, Insurance, or Finance. Professional Experience Solid experience in Risk, Insurance, or Compliance areas, preferably within large corporations or major insurance brokerage firms. In-depth knowledge of various corporate insurance lines and contractual guarantees. Proven experience in contract analysis and credit/financial risk management. Technical Skills Advanced knowledge of insurance market legislation and regulation (SUSEP). Fluency in English (reading, writing, and speaking). Proficiency in Microsoft Office (especially Excel for data analysis and presentations). Behavioral Competencies **Analytical and Critical Thinking:** Ability to analyze complex information and make data-driven decisions. **Negotiation and Persuasion:** Skill in negotiating contractual terms and premiums with the insurance market. **Proactivity and Organization:** Strong sense of responsibility, organization, and ability to manage multiple projects simultaneously. **Interpersonal Communication:** Excellent communication skills for interacting with internal departments and external stakeholders. **Benefits:** * Fuel Allowance * Daycare allowance for dependents up to 2 years old * Golden Farma Card * Health insurance plan * Dental insurance plan * Flexible working hours * Maternity Kit * 6-month maternity leave and 20-day paternity leave * On-site restaurant offering breakfast, lunch, and dinner * Porto Seguro group life insurance, at no payroll deduction * Meal allowance * Transportation allowance * Wellhub (Gympass)