The EU15 will reach at best the threshold of the 2Announced for 2009 it will only come no doubt not in service by 2010In this case the trend is rather bearish Suddenly it became like other employeesClimatologists from around the world were meeting in Paris next FebruaryThe end of the year is difficult for Richard FuldThis last block refute this interpretationSince a few months the deal however is changingThe problem is that in this case is matter of dosageIt should be so for the sharing of profitsManagers of claims, management of heritage consultant, actuary... Whether trades "heart" of insurance or trades "media", the trend is the same: all are transformed in recent years. "It is a movement, notes Norbert Girard, responsible for mission to monitor the evolution of the trades of the insurance. With the arrival of the banks on the niche of the insurance, the traditional insurers as the mutual were forced to respond. "Goods are more standard, the difference can only be at the level of service". Therefore, a single word in order: respond more closely to the client's need. Today, an insured person is not only compensation. Craftsmen he wishes to support comprehensive and effective to contact someone on Saturday ". "The client application has evolved, which changed the customer relationship itself", said Pascal Alexandre, HRD of Groupama. The insurers were thus forced to develop partnerships with service companies. To meet this level of requirement, while controlling their costs, they had to also streamline their organization and industrialise their process, with the establishment of platforms, which are more than simple information but also management of claims and sales channels. Currently, about 70 of customer requests are handled by this bias.
"Of good negotiators.
Another effect of this client focus, the back office part is reduced to the benefit of the front office. AXA France has thus developed, three years ago, an extensive program of internal mobility, "Cape trades", which involved 3,000 people, whose three quarters have changed functions. "This was done as a custom cover, with specific training, to help everyone to address its new missions but also to develop skills related to the client contact in some of our employees,", note Serge Morelli, HRD of AXA France. Because it is not enough to change the Organization car il ne suffit pas de changer l' organisation les métiers, Un aussi si les profils des collaborateurs, qui plus réactifs, et métiers, faut aussi adapter métiers, A les métiers, Un aussi si les profils des collaborateurs, qui plus réactifs, et métiers, faut aussi adapter also profiles collaborators, which qui plus réactifs, plus réactifs, plus réactifs, more reactive, and métiers, be aussi adapt Still a few years ago they had before all administrative and legal profile. "Today, asked also to be good negotiators", said André Migaud, HRD of Maaf Assurances.
In response to the offensive of the "bancassureurs", insurance groups have also engaged in the Banking segment. MAAF with "My Bank", Groupama with Groupama Bank, in connection with Société Générale, AXA with AXA Bank (direct ex-Banque), with Bank AGF AGF... But this diversification required there yet to employees to acquire new skills and new reflexes. "Be it insurance, assistance, finance and the Bank, each branch can no longer work in a compartmentalized manner." "Our goal is to develop a more global and integrated service", note Gilles-Emmanuel Bernard, HRD and Director of the internal communication of AGF. Because it is easier to develop the portfolio of a customer that already exists than to conquer in new.
These changes have a direct impact on recruitment. Even if most of the trade are still employed at bac 2, the requirements are changing: "we are looking for candidates with analytical ability more important, that are able to use new tools to develop an approach to heritage and to optimize the maximum their working time", adds Gilles-Emmanuel Bernard.
New trades
Side salary, the range is wide with seniority and performance, since a large part of the compensation is variable: in AGF, it takes approximately 1,600 euros for a beginner commercial. It is unlikely, but the margin of progress is real: 10 of the commercial gain over 10,000 euros per month. As soon as the trade is more specific and more specialized profile (Manager of heritage, actuary, claims out of standards Manager), level of education is to be measured (from bac 3 to bac 6) and also salary: an actuary begins around 3,000 euros monthly. In the context of transformation of new trades have emerged, such as Manager of platforms. The development of the Internet in the treatment of files also creates new needs. "This transition phase is in its infancy, finds Norbert Girard." "And it is likely that the trades of today will not be those of tomorrow."
