Kimberly Chow
Cheras
Summary
Product manager with 7 years of experience in driving customer-centric and competitive life insurance products from initiation to launch. Skilled in practicing agile methodologies, collaborating with stakeholders, and self-development through product exposure. Thrives under pressure and motivated to learn.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Specialist, Customer Proposition Marketing
AIA Bhd.
03.2024 - Current
- Conducted market research, data analysis, competitive product studies, and gathered feedback from customers and distributors to identify emerging trends, needs, and market gaps.
- Participated in product ideation, collaborating with partnership distribution to secure alignment and support for new product ideas.
- Presented product concepts to the bank to gain buy-in and approval from bank management, including developing indicative premiums with Actuarial, conducting competitive analysis, and defining product positioning and strategy.
- Reviewed product documentation, including product specifications, contracts, user requirements, and marketing materials, and provided guidance to staff in obtaining internal approvals before submission to the bank.
- Coordinate with system users to define product requirements, prepare contract templates, and perform user acceptance testing (UAT).
- Supported partnership distribution with integrated marketing campaigns and promotional activities.
- Ensured adherence to the latest guidelines from BNM/LIAM and other regulatory bodies; monitored regulatory changes and implemented necessary adjustments for compliance.
- Conducted train-the-trainer sessions to equip staff with in-depth product knowledge.
- Provided guidance to staff across various functional areas.
- Contributed to special projects, including online channel initiatives, and performed additional tasks as assigned.
Analyst, Customer Proposition Marketing
AIA Bhd.
04.2022 - 03.2024
- Facilitate the timely and efficient launch of new products, product enhancements, and campaigns by ensuring thorough preparation and documentation, including gate papers, product specifications, policy contracts, marketing materials, and training resources.
- Ensure UAT sign-off on contracts and marketing materials within set timelines, and conduct product training for internal staff and sales team.
- Deliver accurate and timely reporting and project support, including monthly tracking reports on new products, product enhancements, campaigns, and funds.
- Perform competitor and product analyses, coordinate product focus groups, prepare presentations, and engage with financial executives to gather and assess feedback on product matters.
- Ensure compliance with new product guidelines issued by BNM, LIAM.
- Provide product-related support and respond to inquiries from partnership distribution channels.
- Fulfill additional responsibilities, participate in ad hoc projects, or support other initiatives as assigned to meet operational or regulatory requirements.
Assistant Manager
Manulife Insurance Berhad
03.2021 - 03.2022
- Product Development and Management Development of new products / product enhancements that are customer centric in line with the initiative on protection and health proposition
- Providing support to strategic project & business initiative, e.g
- Upsell / cross sell and marketing campaigns
- Engage with distribution, actuarial pricing and other stakeholders on preliminary product features and pricing for product acceptance
- Design and develop of product materials such as Product Illustration (PI), Product Disclosure Sheet (PDS) and policy contract on new product or product enhancement to ensure accuracy and compliance and for regulatory filing
- Design and develop marketing contents for tri-lingual marketing materials such as brochure, placemat and flyer for the development of new products or product enhancement
- Co-manage with actuarial to perform maintenance on the PI, PDS and software used to generate the PI and PDS
- Develop the product training slide and conduct product training to staff on the new products or product enhancement
- Instill greater consideration of consumer related issues and customer centricity when developing new products, e.g
- Via focus group, customer survey, research, etc
- Work together with product implementation and respective stakeholders in product launch timelines to ensure product/enhancement deliver on time
- Timely User Acceptance Testing for new/enhance products and obtain signoff for the relevant documents and materials as per timeline
Supervisor
Manulife Insurance Berhad
08.2018 - 02.2021
- Market Intelligence To establish regular (monthly or other frequency agreed upon) competitor product scan and review process to be log under competitor product library
- To perform competitor product analysis and comparison with recommendations for next step
- Perform data mining and analysis for sales tracking and study of product sales trend
- Post-launch Monitoring Conducting product performance monitoring and reporting for new and on-the-shelf product by weekly or monthly basis
- Distribution Support Provide support to all distribution on product enquiries
- To assist in preparing special PI request and ensure accuracy check against spreadsheet provide by Actuarial
- Handling of special request to resolve product Day-2 matters, enhancements, and changes
- Agile - Product Team Active participation to ensure the success of product squad though daily events
- To work with stakeholders to ensure materials and operational readiness according to product plan
- To identify with stakeholders the enhancements and changes required on system to support new product
- Embark on Teamwork & Self Development through various assignments and products exposures
- Risk Aware Culture Encourage and reward desired risk outcomes and quality of decision-making, constructive challenge, early escalation
- Product Committee Meeting Preparation of meeting materials and minutes for Monthly Product Committee
- Regulatory Compliance Participate in the committee to review and revise the Company policies related matter in compliance with BNM Guidelines, Corporate Policies and Rules Regulations related to Product Development
Education
Bachelor of Science (Hons) - Actuarial Science
UCSI University
01.2018
Foundation in Arts -
01.2014
Skills
- Communication
- Attention to details
- Problem Solving
- Microsoft Office
Certification
- LOMA 281
- LOMA 291
- LOMA 302
Timeline
Specialist, Customer Proposition Marketing
AIA Bhd.
03.2024 - Current
Analyst, Customer Proposition Marketing
AIA Bhd.
04.2022 - 03.2024
Assistant Manager
Manulife Insurance Berhad
03.2021 - 03.2022
Supervisor
Manulife Insurance Berhad
08.2018 - 02.2021
Bachelor of Science (Hons) - Actuarial Science
UCSI University
Foundation in Arts -
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