Joe Els

Johannes "Joe" Els was appointed Head of Portfolio Risk at Corgi Insurance on June 26, 2026, as the AI-native carrier expands into new commercial insurance lines. In this role, Els leads Corgi's insurance portfolio monitoring and risk strategy, overseeing portfolio risk discipline, reserving, technical pricing, and capital model oversight across the company's full-stack carrier group.

A Chartered Actuary Fellow with more than 20 years in general insurance, Els has held actuarial and pricing roles across the market. He built the algorithmic logic behind a commercial Property Owners underwriting platform at Allianz, priced mid-market, SME, and MGA business at RSA, managed portfolios at Brit Insurance and its Lloyd's syndicate, and managed medical schemes at Medscheme in Cape Town. He also has experience with QBE Insurance, UIA (Insurance) Ltd, and Competence Online.

Career history

• Head of Portfolio Risk at Corgi Insurance (2026–present)
• Interim Head of Risk and Reserving at Policy Expert
• Head Actuary at Motability Operations (~7 years), where he led reserve reviews, technical pricing, and capital model calibration
• Director at Insight Actuary, providing actuarial consulting services
• Previous roles at Allianz, RSA, Brit Insurance, Medscheme, and other firms

What Joe Els could bring to Head of Portfolio Risk at Corgi: Els's two decades of actuarial and pricing expertise, combined with demonstrated ability to build sophisticated underwriting platforms and manage complex portfolios across multiple lines and geographies, positions him to establish portfolio risk discipline essential for Corgi's expansion into commercial insurance lines. His technical depth in capital modeling and reserving aligns directly with the infrastructure demands of scaling an AI-native carrier.

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