Risk

Who we are

• Alan is the healthcare super-app offering personalised healthcare & wellbeing to our members.
• Founded in 2016 by Jean-Charles Samuelian and Charles Gorintin, Alan is the first independent digital health insurance in France since 1986.

By providing our members with delightful health insurance bundled with innovative healthcare services, Alan's long-term goal is to help all people have a personalised and accessible healthcare experience.

As of today, Alan covers more than 170,000 members, representing over ?100m of annualised revenue. We recently raised a further ?185m in a series D funding round bringing the company's total valuation to ?1.4bn. The team is 400+ people and growing. We recently landed in Spain and Belgium , and guess what: the best is yet to come!

How we do it?

At Alan, we have a set of cultural values that guide our approach to work:

• Members first. We put our members first, our team second, our shareholders third.
• Distributed Ownership. We empower everyone to make courageous decisions and to work asynchronously.
• Radical Transparency. We take all our decisions in writing and adopt a direct and honest style of communication.
• Personal & Team Growth. We are self-improving whilst helping others grow. We're no ego-doers and we all edit the company.
• Fearless ambition. We shoot for the moon and work backwards. We push for excellence by focusing on uncomfortable A+ problems.
• Underrepresented folks...

Science shows that you are less likely to apply if you feel you don't have all the necessary prerequisites. If this description matches where you are now or what you'd like to grow into in your next position, we encourage you to apply.

We strive to make our culture as inclusive as possible and believe both the company and its culture are strongest when composed of diverse experiences and backgrounds.

• We have an open salary & equity policy combined with a transparent career path: we base our people decisions on objective criteria.
• We have flexible working hours and leave policy.
• We trust people to work remotely (we are a "work from anywhere" company).
• We extended the length of parental leave and value this time as professional experience.
• We respect our coworkers gender identity and use their names, pronouns and agreements no matter their legal status.
• We make tough decisions if we see discriminatory remarks.

Role & Scope

The Risk community's role is to protect Alan's ability to serve its members, provide guidance for strategic decisions, and bolster its financial strength, in a context of fast growth, international expansion and growing product diversification.

The Risk community works hand-in-hand with the widest spectrum of key internal stakeholders at Alan (Finance, Legal, Insurance, Data, Security, Sales, Care etc.) and contributes to build trust with its partners: members, reinsurers, supervisors and investors. It relies on the company's culture of transparency and robust data infrastructure.

As Alan's Risk, you will be in charge of providing Alan with automated and scalable risk assessment tools:

Risk modeling

• - You will be in charge of strengthening and automating the building our Solvency 2 balance sheet and capital requirements projections
• - You will model new risks when they arise (new insurance products and branches, international, investment...)
• - You will challenge our risk appetite, propose new relevant risk metrics and build tools to monitor them
• - You will support the board meetings preparation and communication with investors regarding capital evolution and market risks

Regulatory

• - You will scale and automate the production of our regulatory quantitative reporting and contribute to our narrative (SFCR, RSR) and ORSA reports
• - You will support our discussions with supervisors
• - You will assist the assessment of international opportunities and help prepare the opening of new countries from a risk perspective

Capital management

• - You will make proposals to improve our capital management and support our strategy on reinsurance
• - You will challenge our standard formula framework to pave the way for a shift to a partial internal model or undertaking specific parameters

Team Growth

• - You will create processes and resources to strengthen the team's ability to understand our risk and capital constraints
• - You will support the identification and hiring of new talents for the team and especially the Corporate Unit

You will work closely with the team, especially the Risk Lead (Laurent Gu?rin), the Insurance community (Olivia Mai, Th?o Sermet, Odile Kusnik), the Finance community (Marc Faget, Benjamin Topper) and the Corporate Unit lead (Paul Sauveplane).

Key outcomes after six months

By the end of the first six months, successful onboarding would, for example, mean for the Risk to have:

• - Reviewed our SCR model and completed to adapt it to our business growth (new insurance and market risks)
• - Taken ownership and automated further the production of Solvency 2 quarterly reporting to ACPR,
• - Contributed to elaborate and implement our strategy for asset management,
• - Modelled the impact on our capital of opening a new country or of a change in our company legal structure,
• - Challenged our current framework for risk appetite and propose new relevant risk indicators
• - Ramped up on Alan's work methodology,
• - Built knowledge and processes to improve the Risk organization and articulation with other Alan communities

Profile & competencies

Hard skills

The Risk is expected to have a:

• Solid expertise of the Solvency 2 regulatory framework (pillar 1), especially for S2 accounting, as well as Health, Life and Market risks.
• Excellent problem-solving and analytical skills, including data analysis
• Capacity to automate processes and create/propose new tools. Programming skills are a plus.
• Fluent in English, language of communication at Alan. Written fluency in French is a plus.
• Good communication skills, ability to interact with both internal and external stakeholders

Soft skills

• Rigor and reliability (production of reporting)
• Ability to work independently in a fast-paced environment, self-starter mindset
• Hands-on, not scared of getting their hands dirty
• Great attitude and ability to collaborate in a flat organization
• Confident with learning new tools, technologies, and methodologies
• Business sense, creativity problem-solving
• Perks & Benefits

At Alan, we believe that being in good health is a basic need, and it starts with our employees. This is why Alaners are provided with a stimulating environment and perks for them to be happy, efficient and spend only high-quality time with co-workers.

Therefore, we offer:

• Flexible Office. Amazing office space in the headquarters, sponsored co-working hubs or a full-remote experience for those who want, with home office equipment sponsorship.
• We reward fairly. Competitive Salary and generous equity packages
• All the tools you need. Top of the range equipment: Macbook Pro, keyboard, laptop stand, monitor, and Bose noise-cancelling headphones
• Flexible vacation policy. Alaners can organize their time off as they wish.
• Delightful healthcare insurance. Extremely comprehensive health insurance - 100% of the contribution covered by Alan for you and your family.
• Transport. Country-specific commuter benefits
• Learning & Training opportunities. A very flexible Training policy at Alan, free books and budget to attend and speak at conferences if the opportunity arises
• Parental leave. Extended parental leave for all new parents.
• Check out our Medium & blog for more info: https://medium.com/alan / https://blog.alan.com/