Product Analyst

Responsibilities

• Act as the technical and functional product reference within the Life and Credit Product Development management, especially for Life Insurance with Surrender Value, supporting internal areas and leadership in decision-making;
• Lead and ensure the implementation of product rules in development, maintenance, redesign or launch processes, ensuring compliance with current legislation (CNSP, SUSEP, civil and consumer law);
• Provide consultative and strategic interface with internal clients (CVP, Caixa Seguridade and corporate areas), clarifying technical questions about products, contractual clauses, surrender structures, taxation, provisions, eligibility and business rules;
• Lead and validate system homologations (system testing), evaluating technical specifications, complex surrender scenarios, portability, cancellations and system behavior, ensuring regulatory and operational compliance;
• Independently prepare, review and validate General, Special and Particular Conditions, proposals and contractual documents, ensuring clarity for the client and full compliance with SUSEP regulations and other applicable legislation;
• Develop, review and maintain policy, rules and procedure manuals, promoting standardization, governance and efficiency in product, underwriting and operations processes;
• Conduct in-depth studies of new products, including market benchmarking, profitability analysis, technical and system feasibility, surrender structure, portfolio experience and analysis of results submitted to SUSEP;
• Produce executive materials and strategic presentations for committees, board of directors, shareholders and governance bodies, supporting decisions on product launch, continuation or termination;
• Prepare and validate complete functional product specifications, defining detailed business rules to guide technology teams in maintenance, enhancements and new implementations;
• Play a lead role in communications briefings with marketing, training and commercial channels, ensuring correct technical translation for external and internal materials;
• Continuously monitor product lifecycle, analyzing performance, operational feedback, regulatory risks and improvement opportunities;
• Lead and record alignment minutes and multidisciplinary forums, acting as the focal point between product, technology, commercial, legal and operations.

Requirements

• Bachelor's degree in Actuarial Science, Law, Business Administration, Economics, Finance, Engineering, Project Management or related fields;
• Proven solid experience in Life Insurance with Surrender, including eligibility rules, surrenders, taxation, technical provisions and regulatory aspects;
• Substantial experience in the insurance market, with strong knowledge of current legislation (CNSP/SUSEP);
• Proficient in Microsoft Office, with emphasis on:
• Advanced PowerPoint, focused on executive and management presentations;
• Clear and assertive communication skills, including for technical and executive presentations;
• Mature critical judgment, analytical mindset and ability to propose innovative solutions;
• Experience working in multifunctional roles in dynamic, collaborative and high‑complexity environments;
• Strong ownership mindset, responsibility and autonomy for decision‑making;
• Excellent organization, planning and self‑management skills;
• Proactive, resilient and results‑oriented profile;
• Ability to identify complex problems, structure analyses and propose effective solutions;
• Continuous interest in innovation, regulatory updates, new methodologies and market tools.

Core Competencies

Demonstrates expertise in Life Insurance with Surrender, ensuring compliance with CNSP and SUSEP regulations while leading product development and implementation processes. Proficient in preparing functional specifications and conducting market analysis to support strategic decision‑making.

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