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Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Artificial Intelligence Lead - Insurance Domain - **Company:** Santander Consumer Bank AG - **Location:** Madrid, Spain - **Contract:** Permanent contract - **Skills:** Artificial Intelligence, Amazon Web Services, Microsoft Azure, Cloud Computing, Fraud Prevention and Detection, Python (Programming Language), Machine Learning, Google Cloud, Large Language Models, Prompt Engineering, AI Platforms, Information Technology, Machine Learning Operations - **Published:** September 15, 2026 - **Apply:** https://santander.wd3.myworkdayjobs.com/SantanderCareers/job/Madrid/Artificial-Intelligence-Lead---Insurance-Domain_Req1554435-1 ## About the Role * Proven experience with GenAI and AI/ML applications in Insurance. (Required) * 8+ years of experience in AI/ML roles with strong applied problem-solving background. (Required) * 5+ years of experience in Insurance (Life, P&C, Health, or Reinsurance) or insurance technology. (Required) * Demonstrated experience implementing AI/ML solutions in underwriting, pricing, claims, fraud, or customer analytics. (Required) * Experience leading large-scale AI programs and managing multidisciplinary teams. (Required) * Strong understanding of actuarial concepts, risk modeling, and insurance KPIs (loss ratio, combined ratio, retention, claims leakage). (Required) Education * BSc or MSc degree in Computer Science, Artificial Intelligence, Mathematics, Actuarial Science, Engineering, or related quantitative field. (Required) * AI/ML, cloud, or data science certifications. (Preferred) Languages * Fluent English and Spanish (Required) Hard Skills * Expert-level knowledge of machine learning algorithms and predictive modeling. * Strong understanding of GenAI, LLM applications, and prompt engineering in regulated environments. * Proficiency in Python and AI development frameworks. * Experience with cloud AI platforms (AWS, Azure, GCP). * Knowledge of MLOps, model governance, and model risk management frameworks. * Understanding of actuarial modeling and insurance risk assessment processes. * Familiarity with insurance regulatory requirements (e.g., Solvency II, IFRS 17, local supervisory frameworks). Soft Skills * Strong strategic thinking and innovation leadership capabilities. * Excellent communication skills across technical and business stakeholders. * Advanced analytical and problem-solving skills. * Experience leading organizational change and AI-driven transformation in insurance environments ## Description As an Artificial Intelligence Lead for the Insurance Domain, you will drive the strategic development and implementation of AI technologies across insurance value chains, accelerating digital transformation, enhancing risk assessment capabilities, improving claims efficiency, and strengthening customer engagement through advanced AI solutions. The role sits within the insurance domain and works closely with the WM&I Chief Data & Artificial Intelligence Office (CDAIO) and with Insurance Product, Underwriting, Claims, Pricing, Risk, Distribution, and Operations teams. This is a unique opportunity to shape the AI agenda within the Insurance business and spearhead the deployment of AI and GenAI solutions to generate competitive advantage and sustainable growth. We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: * Develop and execute a comprehensive AI strategy aligned with Insurance business objectives (growth, loss ratio optimization, customer retention, operational efficiency). * Identify and prioritize high-impact AI and GenAI use cases across the insurance value chain, including: + Underwriting automation and risk scoring + Pricing optimization and actuarial modeling enhancement + Claims automation and fraud detection + Customer service virtual assistants and policy servicing + Document intelligence for policy and claims processing * Design and deploy AI-powered solutions to improve combined ratio, customer experience, and operational scalability. * Lead cross-functional teams (Data Science, IT, Actuarial, Risk, Operations, Compliance) in AI solution design and integration. * Oversee development, validation, and monitoring of machine learning models for predictive analytics and risk modeling. * Ensure compliance with insurance regulatory frameworks, model governance standards, data privacy laws, and ethical AI principles. * Drive AI research, prototyping, and proof-of-concept initiatives focused on insurance innovation. * Establish and manage partnerships with AI technology vendors, insurtech firms, and research institutions. * Promote AI literacy and change management across Insurance business units. WHAT YOU'LL BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We're enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. ## Related Videos - [Pioneering AI Assistants in Banking](https://www.wearedevelopers.com/videos/1627-pioneering-ai-assistants-in-banking) - [The Cloud is Calling: Answer with In-Demand Skills](https://www.wearedevelopers.com/videos/945-the-cloud-is-calling-answer-with-in-demand-skills) - [This App Reached 10,000 Users in One Week. 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