Graduate Development Program

Each track starts on its own path, the cohort shares the same core experiences, and everyone graduates together. Applicants choose one track. The eligibility requirements at the end of this document apply to all five tracks; each track below lists its own majors and skills.

Track 1 — Underwriting Learn how ART assesses, prices and protects risk across General, Life, Motor and Health. You join one of five sub-paths; sprints move from retail and SME pricing to corporate underwriting to reinsurance. The Actuarial sub-path rotates through general, life and health actuarial work.

You will: review proposals and loss history and prepare underwriting recommendations; support pricing, quotations and renewals; analyze portfolio and claims trends; support reinsurance and accumulation checks; (Actuarial) support pricing, reserving and experience studies.

Majors: Actuarial Science & Financial Mathematics, Insurance & Risk Management, Mathematics, Statistics. Also considered: Finance, Economics, Risk Management; Health Administration, Health Economics or Health Informatics (Health sub-path). Master’s: Actuarial Science, Insurance, Risk Management, Financial Mathematics, Statistics or Finance.

Actuarial sub-path requires Actuarial Science, Mathematics or Statistics. Track skills: strong numerical ability and attention to detail; advanced Excel (Power BI, SQL, R or Python a plus); SOA exam progress (e.g. P or FM) a strong plus for Actuarial. Track 2 — Product Management Help design, launch and improve insurance products.

You stay in one line of business (Life, General, Health or Motor) through three sprints: corporate products, retail products, and new product development.

You will: research customers, market and competitors; support product design and repricing with underwriting, actuarial, Shariah and legal; prepare product documents and Insurance Authority submissions; coordinate go-to-market; track product KPIs and recommend improvements.

Majors: Business Administration or Management, Marketing, Insurance & Risk Management, Finance. Also considered: Economics, MIS or E-Commerce, Industrial Engineering. Master’s: MBA, or Marketing, Insurance, Finance or Management.

Track skills: customer-focused thinking; turning Excel data into clear recommendations; strong PowerPoint storytelling; coordinating across many teams. Track 3 — Technology Learn how a regulated insurer builds, changes and runs its systems safely. Sprints: IT change management, DevOps and automation, and digital channels (web, mobile, portals).

You will: support change requests, impact assessments and CAB documentation; help build CI/CD pipelines, automation and monitoring; develop and test web, mobile and portal features and API integrations; take part in QA and UAT; follow security and IT governance standards.

Majors: Software Engineering, Computer Science, Information Systems, Information Technology, Computer Engineering. Also considered: Cybersecurity, Network Engineering. Master’s: Software Engineering, Computer Science, IT or Information Systems.

Track skills: programming in at least one language (Python, Java, JavaScript or C#); SQL, Git and basic Linux; SDLC and Agile; cloud fundamentals or ITIL 4 Foundation a plus. Track 4 — Data & AI Turn data into better pricing, faster claims and smarter decisions, responsibly.

Sprints: building analytics and AI solutions, data and AI governance, and AI use cases that deliver measurable value.

You will: prepare and analyze insurance data and build dashboards; support predictive and AI models (pricing, fraud, claims, retention); support data quality and classification under national data and PDPL rules; maintain AI governance and responsible-AI checks; write business cases for AI use cases and track value.

Majors: Data Science, Artificial Intelligence, Statistics (and Data Science), Computer Science (AI or data track preferred). Also considered: IT or Information Systems (data track), Mathematics with strong programming, Industrial Engineering or Operations Research. Master’s: Data Science, AI, Analytics, Statistics or Computer Science.

Track skills: Python or R, and SQL; statistics and machine learning fundamentals; Power BI, Tableau or similar; SDAIA or cloud AI certificates a plus. Track 5 — Governance, Risk & Compliance (GRC) Learn how a regulated, listed insurer protects itself, its customers and its shareholders.

Sprints: enterprise risk management, compliance (AML focus), and corporate governance.

You will: support risk assessments, risk registers, KRIs and risk appetite reporting; support AML/CTF due diligence, screening and monitoring; track new regulations and review policies against Insurance Authority rules; support board and committee meetings, minutes and governance records; prepare reports for management and regulators.

Majors: Law, Insurance & Risk Management, Finance, Accounting. Also considered: Economics, Business Administration, Actuarial Science (ERM focus). Master’s: Law (incl. Commercial or Business Law), Risk Management, Finance, Accounting or Insurance.

Track skills: reading regulations, policies and contracts accurately; strong writing; integrity and discretion; structured thinking and attention to detail; interest in CAMS or risk certifications a plus.