Artificial Intelligence Lead - Insurance Domain

Artificial Intelligence Lead - Insurance Domain Country: Spain IT STARTS HERESantander () is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey.Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.This is more than a strategic shift.It’s a chance for driven professionals to grow, learn, and make a real difference.Our mission is to contribute to help more people and businesses prosper.We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.The Wealth Management & Insurance division covers three businesses in all Santander Group countries: Insurance, Asset Management and Private Banking.We work to provide the best solutions to our clients in these three businesses in the 10 countries where we are present.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- 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 BRINGOur 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.Professional Experience- 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.WE VALUE YOUR IMPACTYour contribution matters, and it’s recognized.You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver.But we know rewards go beyond numbers.We’re enable our teams to go beyond through global opportunities and broad career paths.Flexibility that works.Enjoy a hybrid working models-some days remote, some days onsite with your team-along with flexible hours.Learning for life.Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy () Competitive rewards.Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us.Financial advantages.Benefit from preferential banking terms, special interest rates on loans, life insurance, and more.Your health is our priority.Through BeHealthy, our global wellness programme, we promote Holistic wellbeing.We know family is everything.That’s why we offer childcare support and family-friendly programmes tailored to each life stage.Always by your side.Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services.Extra benefits.Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees.And that’s only the beginning-we’ll tell you more when you join!We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way.LOCAL COMPLIANCESantander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation.We are committed to providing an inclusive and accessible application process for all candidates.READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey.Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.This is more than a strategic shift.It’s a chance for driven professionals to grow, learn, and make a real difference.Our mission is to contribute to help more people and businesses prosper.We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.Ready to make it happen?It starts with you.It starts here.#J-*****-Ljbffr

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Professional Experience- 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.WE VALUE YOUR IMPACTYour contribution matters, and it’s recognized.

You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers. We’re enable our teams to go beyond through global opportunities and broad career paths. Flexibility that works. Enjoy a hybrid working models-some days remote, some days onsite with your team-along with flexible hours. Learning for life. Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy () Competitive rewards. Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us. Financial advantages. Benefit from preferential banking terms, special interest rates on loans, life insurance, and more. Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing. We know family is everything. That’s why we offer childcare support and family-friendly programmes tailored to each life stage. Always by your side. Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services. Extra benefits. Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees. And that’s only the beginning-we’ll tell you more when you join!

Valladolid, España

Artificial Intelligence Lead - Insurance Domain Country: Spain IT STARTS HERESantander () is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. The Wealth Management & Insurance division covers three businesses in all Santander Group countries: Insurance, Asset Management and Private Banking. We work to provide the best solutions to our clients in these three businesses in the 10 countries where we are present.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)., We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way.LOCAL COMPLIANCESantander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.READY TO TAKE THE NEXT STEP IN YOUR JOURNEY? The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.