Organization Library 金融机构

保险公司

Insurance Company

以精算定价为核心能力，通过承保-理赔-再保险的完整价值链，为个人和企业客户提供风险转移和保障服务的金融机构

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12
Org Roles
1000+
Typical Size
12
Required Roles
8
Linked Individuals

Mission

通过科学的风险评估和定价，为客户提供可靠的风险保障，帮助社会化解不确定性

Member Roles

首席执行官

Chief Executive Officer Required C-suite
Headcount: 1 Ref: management/ceo
Core KPIs:
ROE Combined Ratio GWP增长 偿付能力充足率
Collaborations:
cuo chief-actuary cfo cro head-of-distribution

首席核保官

Chief Underwriting Officer Required C-suite
Headcount: 1 Ref: finance/insurance-underwriter
Core KPIs:
Loss Ratio 核保通过率 组合风险集中度 大额赔案比例
Collaborations:
chief-actuary cro senior-underwriters head-of-claims head-of-distribution

总精算师

Chief Actuary Required C-suite
Headcount: 1 Ref: finance/actuary
Core KPIs:
定价充足性(实际赔付vs预期) 准备金充足率 资本模型准确度 新产品定价时效
Collaborations:
cuo cfo cro product-manager head-of-claims

首席财务官

Chief Financial Officer Required C-suite
Headcount: 1 Ref: finance/cfo
Core KPIs:
投资收益率 偿付能力充足率 ROE 财务实力评级
Collaborations:
ceo chief-actuary cro head-of-compliance

首席风控官

Chief Risk Officer Required VP
Headcount: 1 Ref: finance/risk-manager
Core KPIs:
偿付能力充足率 风险事件数 压力测试覆盖率 ERM成熟度评分
Collaborations:
ceo cuo chief-actuary cfo head-of-compliance

理赔部总经理

Head of Claims Required VP
Headcount: 1
Core KPIs:
Loss Ratio 理赔时效(结案天数) 理赔满意度NPS 欺诈识别率
Collaborations:
cuo chief-actuary claims-adjusters head-of-compliance cro

渠道分销总经理

Head of Distribution Required VP
Headcount: 1
Core KPIs:
GWP增长率 渠道结构优化(数字化占比) 代理人产能 续保率
Collaborations:
ceo cuo product-manager head-of-it

信息技术副总裁

VP of Information Technology Required VP
Headcount: 1
Core KPIs:
系统可用性(SLA ≥ 99.9%) 数字化投保率 核心系统现代化进度 信息安全事件数(目标=0)
Collaborations:
cfo head-of-distribution head-of-claims chief-actuary head-of-compliance

合规部总经理

Head of Compliance Required VP
Headcount: 1 Ref: finance/compliance-officer
Core KPIs:
监管处罚数(目标=0) 合规检查通过率 投诉处理时效 监管报告及时率
Collaborations:
ceo cro chief-actuary head-of-claims head-of-distribution

产品经理

Product Manager Required Manager
Headcount: 3-5 Ref: technology/product-manager
Core KPIs:
新产品上市数量 产品利润率 客户满意度 产品备案通过率
Collaborations:
chief-actuary cuo head-of-distribution head-of-compliance

高级核保师

Senior Underwriters Required Individual Contributor
Headcount: 10-30 Ref: finance/insurance-underwriter
Core KPIs:
个人承保组合Loss Ratio 核保时效 授权使用率 客户续保率
Collaborations:
cuo chief-actuary head-of-claims head-of-distribution

理赔调查员

Claims Adjusters Required Individual Contributor
Headcount: 20-100
Core KPIs:
结案时效 理赔准确率 客户满意度 欺诈案件识别数
Collaborations:
head-of-claims senior-underwriters head-of-compliance
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