وظائف Al Rajhi Takaful

<p>Analyze motor retail portfolio performance to identify trends impacting profitability, loss ratios, and underwriting outcomes. Monitor policy lifecycle activities (issuance, renewals, endorsements, cancellations) to ensure compliance with underwriting standards and SLAs. Manage TPL, Comprehensive, and Smart Motor products, and support ongoing product enhancement initiatives. Drive pricing optimization by analyzing portfolio data, customer segments, and market trends. Develop and implement underwriting guidelines, rules, and risk acceptance criteria aligned with business objectives. Collaborate with pricing and actuarial teams to support rate reviews and improve pricing strategies. Investigate pricing differences across systems or channels, identify root causes, and implement corrective solutions. Update and maintain motor insurance rates in the system, ensuring accuracy, validation, and alignment with approved pricing models. Support IT transformation and digital initiatives to enhance underwriting systems, automation, and data quality. Prepare management reports and document all pricing, underwriting, and system changes to ensure proper governance, audit trail, and regulatory compliance.</p><p><strong>Desired Candidate Profile</strong></p><p>Bachelor s degree in insurance, Actuarial, Business Administration or related field. 0 2 years of experience.</p>

<p>JOB PURPOSE: The AI Ethics &amp; Governance Expert is responsible for advocating and ensuring that ethical considerations are integrated into AI development and deployment processes. The role includes conducting compliance assessments of the Ethical AI Guideline. KEY ACCOUNTABILITIES &amp; DETAILED TASKS: Ensure adherence to AI ethics-related national and international regulations, ethical AI standards, and best practices Conduct regular compliance monitoring on the implementation of ethical AI guidelines Responsible for conducting audits related to ethical AI standards and guidelines, ensuring ethical practices are integrated into AI development and deployment Ensure adherence to AI ethics-related national and international regulations, ethical AI standards, and best practices Conduct regular compliance monitoring on the implementation of the Ethical AI Guidelines document Promote AI ethics best practices across the organization, advocating for responsible AI development, deployment, and maintenance within the data platform Establish and enforce ethical guidelines and frameworks for AI and ML model development, ensuring alignment with industry standards, organizational goals, and regulatory compliance Provide guidance on ethical issues related to AI projects Develop and maintain AI ethics training programs for internal teams, educating stakeholders on responsible AI use, bias reduction, and fairness in model outcomes Collaborate with the AI Governance Committee to ensure ethical guidelines are incorporated into AI policy development and model review processes Raise awareness of AI ethics issues across the organization and provide recommendations for improvements in model development, data collection, and deployment practices Stay current on AI ethics trends and evolving regulatory requirements to ensure continued alignment and leadership in ethical AI practices</p><p><strong>Desired Candidate Profile</strong></p><p>Job requirements : Academic Qualifications and Experience: Bachelor s degree in computer science, Information Technology, Cybersecurity, or related field. 7-9 years of related experience.</p>

<p>Review, assess, and process General Insurance claims in accordance with policy terms, internal procedures, and regulatory requirements. Investigate claim circumstances, evaluate coverage applicability, and ensure claims are handled fairly and accurately. Coordinate with insureds, brokers, reinsurers, and internal departments to ensure smooth claims handling and resolution. Coordinate with loss adjusters and review their reports, recommendations, and supporting documents. Liaise with Facultative (FAC) and Treaty Reinsurance companies/brokers to obtain approvals and confirmations where applicable. Ensure compliance with company authority limits, claims guidelines, and service level agreements (SLAs). Follow up on pending claims and ensure timely settlement within approved turnaround times. Negotiate claim settlements with clients, brokers, service providers, and other stakeholders when required. Review reserve recommendations and ensures adequate reserving in line with company policy and claim developments. Prepare claim summaries, reports, dashboards, and performance analysis to support management decision-making. Identify suspicious or potentially fraudulent claims and escalate them in line with internal procedures. Ensure proper documentation and compliance before processing claim payments and settlements. ____________________________________________________________________________________________ : . : . . . . (FAC) (Treaty) . (SLA). . . . . . .</p><p><strong>Desired Candidate Profile</strong></p><p>Job requirements : Academic Qualifications and Experience : Bachelor s degree Incurrence, Business Admiration, or related field. 2 3 years of experience ____________________________________________________ : : 2 3 .</p>

<p>Ensure that the procedure and guidelines are followed and has proper sales operations and by continuously seeking process improvements Achieve assigned sales targets through identifying new SME prospects and presenting tailored insurance solutions Conduct regular client meetings and site visits to assess needs and close deals Highlight product benefits, coverage options, and additional services to drive client acquisition and retention Ensure all client documentation (proposals, KYC, contracts) is accurately completed and submitted Coordinate with underwriting, operations, and policy issuance teams to guarantee seamless policy activation Follow up on pending proposals or renewals and escalate delays where necessary Act as the second point of contact for direct SME clients regarding policy inquiries and service requests Respond promptly to client issues, coordinating with relevant departments for resolution Maintain strong, long-term relationships with clients through consistent communication and support Ensure full compliance with IA, CCHI, and company policies across all client interactions Maintain accurate CRM records for all leads and opportunities Prepare periodic reports on sales performance, client feedback, and market movements Stay up to date with market developments and competitors activities Provide feedback to managers on product gaps, pricing concerns, or service improvement opportunities</p><p><strong>Desired Candidate Profile</strong></p><p>Diploma degree in business administration, or any related field. 2- 4 years of related experience.</p>

<p>Lead and manage General Insurance products by defining product strategies, monitoring portfolio performance, and analyzing market trends to drive product growth, profitability, and market expansion in alignment with the company s objectives.</p><p>Key Activities, Responsibilities and Accountabilities : Define and maintain product strategies aligned with ART s General Insurance growth objectives and identify new product opportunities and enhancements. Lead product development initiatives including product design, pricing, and go-to-market strategy. Monitor market trends and emerging risks and adjust product positioning accordingly. Own and manage portfolio KPIs including GWP growth, loss ratio, retention levels, and profitability. Conduct portfolio performance reviews, identify loss drivers, and recommend corrective actions including underwriting improvements. Optimize reinsurance utilization to enhance profitability and capital efficiency. Develop product value propositions and distribution strategies to support market expansion. Collaborate with brokers, partners, and digital channels to increase product penetration and enable cross-selling opportunities. Ensure compliance with regulatory requirements and maintain product documentation, underwriting guidelines, and pricing frameworks. Work closely with underwriting, actuarial, reinsurance, claims, finance, compliance, and risk teams to ensure alignment between product strategy and operational execution and provide portfolio insights to leadership.</p><p><strong>Desired Candidate Profile</strong></p><p>Job requirements : Academic Qualifications and Experience: Bachelor s degree in business, Finance, Insurance, Actuarial or related field 5 - 8 years of related experience.</p>

<p>Job Purpose : The Service Delivery Manager is responsible for ensuring high-quality, consistent service delivery while driving measurable improvements in customer experience, customer journeys, and operational processes. This role acts as the bridge between customers, operations, and internal stakeholders, using insight, data, and collaboration to design and deliver services that are efficient, scalable, and customer centric. Key Activities, Responsibilities and Accountabilities : Own and continuously improve end-to-end service delivery across services and channels. Identify challenges, gaps, and moments that matter, and lead initiatives to enhance customer satisfaction and outcomes. Champion a customer-first mindset across teams and stakeholders. Work with the Life Leadership team to ensure day-to-day service delivery performs to agreed service levels, quality standards, and customer expectations are met or exceeded. Act as a liaison, to fix root causes, for service issues, ensuring timely resolution and clear communication. Monitor performance against KPIs, SLAs, complaints and customer metrics. Create a culture of ownership and continuous improvement for service delivery creating the behaviors and required frameworks. Lead continuous improvement initiatives to streamline processes, reduce waste, and improve efficiency. Map, review, and redesign processes to better support customer journeys and business objectives. Ensure processes are well documented, understood, and consistently applied. Work closely with product, operations, technology, and customer-facing teams to align service delivery with customer and business needs. Transform customer and operational insights into clear requirements and improvement actions. Build strong relationships with internal and external stakeholders to drive change and accountability. Produce clear, actionable reporting on service performance, customer experience, and improvement outcomes. Use data to identify trends, risks, and opportunities for proactive improvement. Support governance forums with insight, recommendations, and progress updates. ___________________________________________________________________________________________________________________ : . . : . . . . . (KPIs) (SLAs) . . . . . . . . . . .</p><p><strong>Desired Candidate Profile</strong></p><p>Job Requirements : Academic Qualifications and Experience: Bachelor s degree in business administration, any other related field. 6-8 years experience.&nbsp;</p>

<p>To support the effective management of Motor Reinsurance and new product activities by administering reinsurance arrangements, monitoring treaty utilization, coordinating facultative placements, and ensuring adequate risk protection for the motor portfolio while maintaining compliance with underwriting guidelines, reinsurance agreements, and regulatory requirements. Key Activities, Responsibilities and Accountabilities: Review motor and other insurance risks against approved corporate retention limits and specific reinsurance treaty conditions to ensure strict compliance and prevent unauthorized exposure. Coordinate and negotiate facultative reinsurance placements for high-value or non-standard risks that exceed approved underwriting authorities or existing treaty capacities. Identify and implement opportunities to streamline reinsurance workflows, enhance reporting efficiency, and strengthen internal operational controls. Assure the accuracy of complex reinsurance accounting, premium statements, and the prompt collection of outstanding claims recovery balances. Collaborate with the product development team to design, price, and structure optimal reinsurance protection plans for newly launched insurance products. Monitor the performance of specialized portfolios such as Electric Vehicles (EV), Autonomous Vehicles (AV), or niche embedded products and adjust reinsurance structures as market dynamics shift. Partner closely with the Claims Department to identify, document, and aggressively pursue large loss recoveries through valid reinsurance contracts. Lead or support the preparation of underwriting data, loss histories, and market submissions required for the structured renewal of the company s annual reinsurance treaties Manage relationships with reinsurance brokers and international reinsurers, ensuring all participating partners meet the company's strict financial security and credit rating standards. Ensure all reinsurance placements and counterparty transactions comply with local insurance regulations and international accounting standards.</p><p><strong>Desired Candidate Profile</strong></p><p>Job requirements Academic Qualifications and Experience: Bachelor s degree in insurance, Business Administration, or a related field. 4- 5 years of related experience.</p>

<p>Job Purpose : To actively build and cultivate a network of contacts with brokers with the aim to contribute to the development of new business as well as to ensure compliance to the distribution policies in place, in order to improve Al Rajhi Takaful (ART) top and bottom line results through the brokers channel.</p><p>Key Activities, Responsibilities and Accountabilities:</p><ul><li>Build and maintain continuous business relations with brokers to motivate them to sell ART products and services, provide assistance regarding customers acquisition, technical and organizational issues and exchange information in order to reach sales and profitability targets as per the commercial plan.</li><li>Oversee the internal interfacing and communication of business units with brokers to facilitate good relationships and maximize the value of relationships and maintain a good reputation.</li><li>Conduct regular meetings with brokers to discuss the overall performance to ensure that they meet the business needs and the KPIs defined.</li><li>Design and implement activities related to contracting new brokers and develop and maintain strong professional relationships with the existing and new brokers to ensure that they are able and willing to promote ART products and services.</li><li>Communicate constantly with brokers to receive feedback, direct issues/inquiries to the relevant ART function, in order to provide accurate and in time resolution to enhance brokers and end-customer experience.</li><li>Analyze feedback received, track repeated issues and identify root causes in order to assist in the process s improvement, and product enhancements.</li><li>Manage, negotiate and review all new and existing agreements with assigned brokers in order to ensure compliance to the defined internal policies and guidelines and regulatory framework.</li><li>Plan, in collaboration with Head of Brokers, the need for brokerage contracts based on set ART targets and mission statement, in order to ensure that needs are sufficiently addressed.</li><li>Drive and contribute to increasing the number of business opportunities generated through brokers by maintaining strong engagement, identifying potential prospects, and encouraging brokers to share new opportunities with ART.</li></ul><p><strong>Desired Candidate Profile</strong></p><p>Job requirements:</p><p>Academic Qualifications and Experience:</p><ul><li>Bachelor s degree in business administration, Insurance or any other relevant field.</li><li>4-5 years of related experience.</li></ul><p>Language Proficiency:</p><ul><li>English - Professional</li></ul><p>Certifications:</p><ul><li>-IFCE</li></ul>

<p>Job Purpose : To serve as a point of contact for members and providers by handling inquiries in-person, by phone, and email in accordance with company standards, ensuring timely follow-up and resolution that meets the expectations of members, providers, and internal teams while supporting high-quality service delivery. Key Activities, Responsibilities and Accountabilities : Conduct surveys to monitor clients and providers satisfaction, analyze feedback trends, and suggest recommendations for service enhancements. Document and analyze recurring provider and client issues to address root causes and improve service processes. Coordinate with providers, members, and internal teams to resolve service issues and ensure smooth operational support. Support the review of healthcare provider network by collecting and updating relevant provider information. Prepare and present accurate reports to support management decisions and fulfill reporting requirements. Verify members health insurance policies and provide guidance throughout the process, including admissions, medical and lab requirements, radiology, claims etc.... Establish and maintain strong relationships with providers insurance directors through regular front-line visits, addressing concerns and feedback, and promoting a positive provider image to support and enhance the partnership framework. Support Point of Care operations and handle operational cases generated from assigned sites and network hospitals. Adhere to service procedures and maintain in-depth knowledge of departments, provider networks, and company services to handle member inquiries confidently and accurately. Resolve member complaints effectively within delegated authority to ensure satisfaction with minimal need for escalation.</p><p><strong>Desired Candidate Profile</strong></p><p>Job requirements : Academic Qualifications and Experience : Diploma degree in insurance, Healthcare management, or related fields is required. 0-2 years of related experience.</p>

<p>Lead the end-to-end complaints management process, including investigation, resolution, and closure of all complaints (escalated and routine). Develop, implement, and continuously improve complaints handling policies, procedures, and workflows to ensure regulatory compliance and efficiency. Monitor and analyze complaints trends, root causes, and patterns; prepare regular reports and dashboards for senior management on key metrics (resolution time, volume, satisfaction, recurrence). Manage and develop a team of complaints specialists/handlers, including performance reviews, training, coaching, and ensuring adherence to SLAs and quality standards. Handle complex and high-escalation complaints personally, coordinating with relevant departments (e.g., Claims, Underwriting, Legal, Operations) to achieve fair outcomes. Ensure full documentation and audit-ready records for all complaints, supporting internal audits and regulatory inspections. Identify opportunities for service improvements based on complaint insights and collaborate on corrective action plans with other teams. Oversee regulatory reporting of complaints to authorities (e.g., IA) and ensure timely responses to any regulatory queries or escalations. Conduct regular training sessions for customer service and frontline teams on complaints handling, de-escalation techniques, and customer empathy. Contribute to the development and monitoring of departmental KPIs related to customer satisfaction and complaints reduction. Manage relationships with third-party service providers involved in complaints resolution where applicable. Support the implementation of technology solutions (e.g., CRM systems) to streamline complaints tracking and reporting.</p><p><strong>Desired Candidate Profile</strong></p><p>Bachelor s degree in business administration, Insurance or related field. 6 - 8 Years in relevant field.</p>

<p>Own the end to end marketing data ecosystem, ensuring accuracy, consistency, and accessibility across campaigns, channels, and platforms. Develop and maintain dashboards and reporting frameworks that provide actionable insights for leadership and cross functional teams. Analyze performance trends and Marketing Data to identify growth opportunities, inefficiencies, and optimization levers across the marketing funnel. Ensure data quality and compliance, including validation processes, documentation, and adherence to internal and external standards. Lead annual and quarterly marketing budget planning, aligning allocations with strategic priorities, product launches, and campaign roadmaps. Monitor budget utilization, ensuring spend accuracy, timely reconciliation, and proactive identification of variances. Manage marketing forecasting, including spend pacing, ROI projections, and scenario modeling for leadership decision making.</p><p><strong>Desired Candidate Profile</strong></p><p>Bachelor s degree in business administration, or any related field. 5- 7 years of related experience.</p>

<p>Job Purpose : To serve as a competent, courteous, and proactive point of contact for members and providers by handling inquiries in-person, by phone, and email in accordance with company standards, ensuring timely follow-up and resolution that meets the expectations of members, providers, and internal teams while supporting high-quality service delivery. Key Activities, Responsibilities and Accountabilities : Conduct surveys to monitor clients and providers satisfaction, analyze feedback trends, and suggest recommendations for service enhancements. Document and analyze recurring provider and client issues, sharing insights with MSU management to address root causes and improve service processes. Coordinate with providers, members, and internal teams to resolve service issues and ensure smooth operational support. Assist in reviewing and improving the healthcare provider network, including strategic providers. Prepare and present accurate reports to support management decisions and fulfill reporting requirements. Verify members health insurance policies and provide guidance throughout the process, including admissions, medical and lab requirements, radiology, claims etc.... Establish and maintain strong relationships with providers insurance directors through regular front-line visits, addressing concerns and feedback, and promoting a positive provider image to support and enhance the partnership framework. Ensure provider compliance with agreed service standards and support their staff through coaching and training on ART s services. Support Point of Care operations and handle operational cases generated from assigned sites and network hospitals. Adhere to service procedures and maintain in-depth knowledge of departments, provider networks, and company services to handle member inquiries confidently and accurately. Resolve member complaints effectively within delegated authority to ensure satisfaction with minimal need for escalation.</p><p><strong>Desired Candidate Profile</strong></p><p>Job requirements : Academic Qualifications and Experience : Bachelor s degree in insurance, Healthcare management, or related fields is required. 0-2 years of related experience.</p>

<p>To identify, engage and convert new direct sales opportunities, meeting targets through consultative selling and exceptional client service across business channels. Key Activities, Responsibilities and Accountabilities : Identify and generate new sales opportunities through market research, lead sourcing, and proactive customer outreach. Develop a strong pipeline of potential clients and maintain accurate, updated records in the CRM system. Conduct initial meetings with prospects to understand their needs and present suitable insurance solutions. Prepare, submit, and follow up on quotations to ensure timely conversion and closure of new business deals. Collaborate with underwriting and operations teams to process new business applications smoothly and resolve any bottlenecks. Negotiate terms and pricing within approved guidelines to secure profitable deals. Ensure full compliance with Insurance Authority regulations, internal policies, and required documentation for all new business. Coordinate the onboarding and handover of newly acquired clients to the Relationship Management team as per company procedures. Achieve monthly, quarterly, and annual new business targets through consistent follow-up, professional communication, and high-quality service delivery.</p> <ul> <li>(CRM)</li> </ul><p><strong>Desired Candidate Profile</strong></p><p>Academic Qualifications and Experience : Bachelor s degree in business administration, or any related field. 2-3 years of related experience.</p> <ul> <li>2</li> <li>3</li> </ul>

<p>Support the maintenance and enhancement of the Fraud Risk Management Policy in line with regulatory and risk management standards in order to enforce the zero-tolerance approach against internal and external fraud &amp; to continuously assess the framework Support an internal network of good business conduct and fraud champions that would help in developing a culture of fraud awareness what would help in promoting and implementing the framework. Contribute to the development of policies, procedures, training and awareness programs and roll out training and awareness campaigns to enhance control of the environment. Maintain fraud reports, dashboards and trend analysis of all fraud reports and other business misconduct to the Board, Committees, and members of senior management. Roll out Fraud Risk assessment to enable it to identify its high relevant fraud risks that are not properly mitigated and along with senior management to put in place a remediation plan and road map for implementation. Facilitate with Compliance functions to ensure the effectiveness of the design and implementation of the whistleblowing program, as a fraud detective tool. Support to Design the investigations processes and report results with respect to fraud allegations, recommend remedial activities and reporting lessons learnt. Coordinate with Legal and Internal Audit functions to ensure that the fraud case is escalated to the proper company authorities to obtain guidance on the next action to take such as referring the case to the police or the court. Ensure independence, objectivity and conflicts of interest safeguarding during investigation even when fraud involves Senior or Executive levels (e.g., Chiefs, board member, auditors, counsels, etc.) Coordinate with assigned investigators to investigate and resolve fraud risk incidents. Provide assurance that all fraud critical Incidents are managed and reported in line with the Critical Incident Policy. Coordinate with Law Enforcement for all internal and external fraud investigations. Recommend actions to take as appropriate to mitigate and manage financial, customer, regulatory and reputational impact from identified fraud incidents.</p><p><strong>Desired Candidate Profile</strong></p><p>Bachelor s degree in Risk Managment Criminal justice, Business Administration, or any related field. 4-5 Years in relevant field.</p>

<p>Lead the management demand requests and ensure alignment with business objectives and Technology strategy. Lead demand intake, assessment, and prioritization activities while ensuring alignment with organizational priorities and available technology capabilities. Lead the monitoring and reporting of demand requests to ensure transparency, alignment, and effective execution. Identify opportunities for continuous improvement and recommend enhancements to optimize demand management processes and stakeholder experience. Preparing agendas and presenting qualified demands to a steering committee or governance board (made up of senior business and IT leaders) who vote on which projects get funded. Ensuring that the approved IT projects directly support the insurance company s broader yearly goals (e.g., shifting to a "digital-first" broker portal). Running workshops and meetings with departments (like Claims or Underwriting) to help them clearly articulate what they need.</p><p><strong>Desired Candidate Profile</strong></p><p>Bachelor s degree in information technology, Computer Science, Information Systems, Business Administration, or related field. 5- 7 Years in relevant field.</p>

<p>Job Purpose : Support in legal data analysis, reporting, dashboard development, and tracking KPIs, budget, and compliance to support process improvement and decision-making. It also includes monitoring case progress and maintains all legal cases in the system/log and archiving cases/ files, and updating case status, outcomes, schedule the court hearing date, and follow up on court notifications and communications from relevant authorities, ensuring SLA adherence, and coordinating with internal stakeholders to enhance operational efficiency and output quality. Key Activities, Responsibilities and Accountabilities : Collect, validate, and manage legal data across contracts, litigation, and compliance matters, ensuring accuracy and reliability of information. Perform analysis of legal data to identify risks, trends, and actionable insights that support strategic and operational decision-making. Maintain all legal cases in the system/log and archiving cases/ files, continuously track and update case status, documents, and outcomes, schedule and the court hearing date, and follow up on court notifications and communications from relevant authorities. Design, develop, and maintain dashboards and both periodic and ad-hoc reports on legal performance, disputes, and compliance metrics. Identify opportunities for process optimization and support the implementation of data-driven improvements and basic automation within legal workflows. Ensure adherence to legal, regulatory, and data privacy requirements by maintaining high standards of data governance and compliance. Prepare comprehensive monthly and quarterly reports, delivering insights that support management in overseeing legal, financial, and operational matters. Develop and maintain case tracking tools to monitor litigation and recovery progress, deadlines, and outcomes. Coordinate with internal teams (e.g., IT, Finance) to improve data flow, reporting accuracy, and system utilization Monitor SLA adherence and highlight delays or operational gaps across stakeholders. Establish, track, and continuously refine key performance indicators (KPIs) to enhance legal operations, efficiency, and transparency. Demonstrates strong capabilities in data analysis and visualization using tools such as Power BI and Excel, along with effective communication, problem-solving, and time management skills.</p><p><strong>Desired Candidate Profile</strong></p><p>Job requirements: Academic Qualifications and Experience: Bachelor s degree in business administration, Legal, or a related field. 0-2 of experience in related fields.</p>

<p>Job Purpose : To support the enhancement of customer engagement across digital channels by monitoring customer interactions, analyzing digital performance, identifying improvement opportunities, and contributing to initiatives that improve customer experience and adoption of digital services.</p><p>Key Activities, Responsibilities and Accountabilities : Monitor customer interactions and engagement across digital channels, including mobile applications and websites Analyze customer behavior, digital usage trends, and engagement metrics to identify improvement opportunities. Prepare reports related to digital engagement, customer feedback, and service utilization. Monitor customer feedback and digital service performance and recommend corrective actions when needed. Collaborate with marketing and other product teams to enhance digital engagement strategies and campaigns. Utilize analytics tools (e.g., Power BI) to track performance and generate insights. Identify gaps in the customer journey and propose improvements to enhance the overall user experience. Conduct continuous performance evaluations to improve digital initiatives and increase efficiency.</p><p><strong>Desired Candidate Profile</strong></p><p>Academic Qualifications and Experience: Bachelor s degree in business administration, Marketing, Information Systems or related field. 2-3 Years in relevant field.</p>