Chief Risk Officer (m/f/d)

Cultural Fit

You approach risk with accuracy, not just rules? You bring quantitative depth to complex risk landscapes, engage confidently with Boards and regulators, and aren't afraid to challenge when the risk picture demands it. Then welcome to AND-E.

How you'll make an impact

• Design, document, and maintain the enterprise-wide risk management framework, covering identification, assessment, mitigation, monitoring, and reporting of risks.
• Operationalize the Board-approved risk appetite and tolerance statements, translating strategic intent into measurable and enforceable limits across the organisation.
• Ensure compliance with all applicable laws and regulations, including Solvency II and DORA, upholding duty of care and due diligence obligations.
• Advise the Board and executive management on risk implications of strategic initiatives, M&A transactions, and capital investments, keeping decisions within approved risk appetite boundaries.
• Provide independent challenge and oversight across SCR calculations, the ORSA process, reinsurance strategy, and product development.
• Prepare and deliver internal and external risk reports, maintaining active engagement with regulators and supervisory authorities.

How you'll make an impact

What it takes to succeed in this role

• Minimum 5 years of (senior) experience in risk management, actuarial, accounting, legal, or financial roles within non-life insurance.
• Strong quantitative and analytical skills with proven expertise in Solvency II; knowledge of IFRS 17 is an advantage.
• Demonstrated experience engaging with regulators and supervisory authorities.
• Actuarial qualification or comparable analytical background is a plus.
• Excellent communication skills in an international environment, with the ability to convey complex topics clearly to senior stakeholders.
• Fluent in English and French; German is an advantage.

What it takes to succeed in this role

Why join us?

• Personal development is important to us, which is why we support you in it.
• A working environment based on trust, encouragement, and constructive feedback.
• Collaboration with people from different countries and cultures.
• 26 days of annual leave + 9,5 additional rest days.
• Flexible working hours.
• Meal vouchers.
• Free coffee, tea, water.

Why join us?

About us

At AND-E, we're redefining the future of mobility insurance. As part of the global MS&AD Group and in close partnership with Toyota, we aim to make tomorrow's journeys simpler, safer, and smarter. Our expertise spans over 30 markets in Europe and South Africa, providing tailored insurance solutions for Toyota and Lexus customers and various white-label partners. In Germany, our offerings include motor insurance, commercial fleet coverage, payment protection insurance, and support for Japanese businesses operating abroad.

Our commitment extends beyond business: at AND-E we support our people to grow, make a difference for customers, and help shape the future of connected mobility protection.