Job Overview
Remote Director of AI-Powered Takaful Innovation & Risk-Pooling Platforms – Based in Qatar
Sector Focus: Islamic InsurTech | AI in Takaful Risk Assessment | Mutual Insurance Protocols | Ethical Risk Analytics
Location: Remote (With alignment to QCB and Qatar Financial Centre’s Shariah-compliant digital insurance initiatives)
Employment Type: Full-Time | Remote | Executive Islamic InsurTech Innovation
Compensation: QAR Leadership Tier + Mutual Risk Profit Participation + Innovation Fund Token Shares
Strategic Vision
Qatar is poised to modernize its insurance and risk-sharing sector by integrating AI-driven analytics, ethical risk forecasting, and Islamic mutual insurance (Takaful) principles. With a national imperative to digitize Shariah-compliant insurance models in tandem with Qatar’s AI strategy, this role offers the rare opportunity to lead the transformation of cooperative financial protection, creating programmable, ethical, and transparent mutual risk systems.
Position Overview
As Director, you will lead the build-out of an AI-native Takaful fintech platform capable of underwriting, risk assessment, disbursement, and claims optimization—all in a Shariah-compliant cooperative framework. The focus will be to engineer intelligent platforms for healthcare, agriculture, SME, and micro-insurance pools—fully interoperable with Qatari regulators and Islamic digital banks.
Core Responsibilities
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Architect a modular Takaful InsurTech platform embedded with AI risk models, ethical pooling algorithms, and smart claims engines.
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Design AI underwriting frameworks that compute contributions (tabarru’) dynamically, based on behavior, geography, and historical performance.
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Embed Shariah logic in automated claims triggers, ensuring policyholder fairness, transparency, and non-riba processing.
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Develop embedded insurance APIs for fintechs, ride-hailing apps, halal e-commerce platforms, and digital health providers.
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Implement predictive AI for catastrophe simulation, early-warning triggers, and event-based Takaful activation.
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Launch mutual micro-Takaful tokens (compliant with Waqf funding) for rural and marginalized workers, integrating with mobile money rails.
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Collaborate with QCB, Shariah scholars, and legal tech specialists to enshrine ethical algorithmic risk processing into regulatory frameworks.
Candidate Essentials
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10+ years in digital insurance systems, Takaful operations, or AI-based underwriting solutions.
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Deep knowledge of Islamic insurance principles (tabarru’, mudarabah, takaful models) and their algorithmic codification.
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Experience with AI/ML in actuarial models, probabilistic programming, and smart contract-based claims logic.
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Strong track record working within or alongside GCC regulatory bodies in an insurtech capacity.
Why Qatar?
As Qatar aligns financial digitization with Islamic principles and national AI goals, you will be building the world’s most advanced cooperative digital protection infrastructure, defining how billions globally will experience faith-aligned insurance in the digital age.
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