• Lead the vision, strategy, and execution for life insurance product development and improvement. • Conduct market monitoring and competitive intelligence to identify opportunities, segments, and approaches for competitive advantage. • Streamline and optimize the product portfolio across the company, eliminating redundancies and ensuring profitability. • Develop and implement future product strategies aligned with corporate objectives and market trends. • Collaborate with sales, distribution, marketing, and customer experience teams to ensure product offerings meet client needs and business growth targets. • Oversee the deployment and management of new products, including digital strategies and change management initiatives. • Define and maintain underwriting philosophy, guidelines, and risk tolerance and ensure consistency across business units. • Lead initiatives to automate underwriting processes, leveraging advanced rules engines, AI-driven risk scoring, and predictive analytics. • Monitor industry trends and regulatory changes to proactively update underwriting practices. • Establish performance metrics and reporting frameworks for underwriting efficiency and accuracy. • Mentor and develop leaders and staff, fostering a culture of innovation, accountability, and continuous improvement.