Value Stream Lead Core (w/m/d), 70–100 % — Concordia

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Geographic detail

This page corresponds to the job slug value-stream-lead-core-w-m-d-70-100-concordia-luzern (trailing token: 100 Concordia Luzern).

The reference location stated in the job ad is Luzern, Canton of Ticino. Remote-tagged roles still retain the city reference for tax, contract and G Permit enrolment purposes.

Original description

As an established Swiss health insurer, we insure more than 700,000 people. We are looking for a Value Stream Lead (Chief Product Owner) of the Value Stream "Core" for our delivery organization, which operates according to the Flight Level Model. The Value Stream Core consists of various agile teams that provide our digital solutions for our core processes. This includes products for health and life insurance as well as various important solutions for the support functions of the company (corporate services). Due to an internal change, we are looking for a strong personality for the professional and personnel management of this central area within computer science. Do you want to actively shape the future with your team in the interests of your customers? This is what awaits you • You take product responsibility for Core and define the vision, roadmap and priorities of the Value Stream. • You lead and synchronize several cross-functional agile teams and ensure the implementation of the value propositions. • You work closely with internal and external specialist and IT organizations to bundle requirements and deliver added value quickly. • You represent the value stream to stakeholders and stand for roadmap and investment decisions. • You ensure a clear interface with architecture, security and data management and promote technical excellence. • You foster a culture of customer centering, collaboration and evidence-based decision-making. • You want to take part in the ongoing transformation as part of the IT management team. You bring that with you • Completed university studies in computer science or business informatics. • Demonstrate experience in managing multiple agile teams and dealing with complex product landscapes; Experience in the personnel management of an area or different teams. • Strong understanding of software architecture, integrations and data flows in the healthcare environment; Knowledge of Syrius as a core system solution of great advantage. • S

Job details

  • Company: Concordia
  • Position: Value Stream Lead Core (w/m/d), 70–100 %
  • Location: Luzern, Ticino
  • Sector: Assicurazioni
  • Expired on: 2026-07-16

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Information for cross-border workers

Concordia is located in Luzern in the Canton of Ticino. Cross-border workers need a G Permit, renewable annually, to work in Switzerland. The Canton of Ticino applies withholding tax at variable rates on gross income. Since 2024, the New Tax Agreement introduces concurrent taxation between Italy and Switzerland.

Swiss social contributions include AVS (5.3%), unemployment insurance (1.1%) and LPP (occupational pension). Use our free tax simulator to calculate your net salary and compare the cost of living between Switzerland and Italy.

G permit and residence. To apply for this position as a cross-border worker you must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. The employer files the G permit at the cantonal migration office after the contract is signed: first issuance takes 2-6 weeks and is then renewed yearly. Full-time remote work from Italy is not compatible with cross-border status; extended absences from the Italian home (more than a working week without returning) jeopardise the fiscal regime.

Net salary and the 2024 fiscal agreement. The gross salary advertised here is withheld at source by the Swiss employer at effective rates between 5 % and 19 % in the Canton of Ticino depending on income, marital status and dependants. Cross-border workers hired on or after 1 January 2024 fall under the new Italy-Switzerland concurrent regime: Italy taxes foreign employment income while granting a tax credit on Swiss withholding up to 80 %, declared in section RW of the Italian tax return. Together with social charges the typical gross-to-net gap is 18-28 %. For a personalised calculation on the gross offered by Concordia open the salary simulator.

Commute and quality of life. Working in Luzern means a daily commute that depends on which crossing you use: Brogeda (A2 motorway) and Chiasso-strada cover the Mendrisiotto and Luganese areas; Stabio and Gaggiolo serve commuters from the Varese province; Ponte Tresa is the historic gateway for Luino and the Verbano lake region. At peak times a Como-Lugano leg runs 25-50 minutes; Varese-Lugano typically takes 35-60. For those considering relocation to Ticino, average rent for a 3.5-room flat in Lugano is CHF 1,500-2,200/month, against EUR 600-900 for an equivalent unit in the province of Como. The Swiss healthcare network (LAMal) offers shorter access times than the Italian SSN but at a monthly premium of CHF 350-500 per adult — a substantial line item in any net-vs-net comparison.

Frequently asked questions

What is the net salary for a cross-border worker in Ticino?
Net salary depends on gross income, marital status and number of children. In the Canton of Ticino, withholding tax ranges from about 2% to 15%. Together with AVS-AI-IPG (5.3%), unemployment insurance (1.1% up to CHF 148,200/year) and LPP (7-18% by age), the typical gross-to-net gap is 18-28%. Use our simulator for a personalised calculation against this listing.
Do cross-border workers need Swiss LAMal health insurance?
New cross-border workers since 2024 must enrol in Swiss LAMal within 3 months of starting work, unless they exercise the right of option to stay in the Italian SSN. Premiums vary by canton, insurance model (standard, family doctor, telmed, HMO) and deductible (CHF 300 minimum up to 2,500 maximum): compare LAMal premiums.
How do I get a G permit to work in the Canton of Ticino?
The G permit is filed by the employer at the cantonal migration office after the contract is signed. First issuance takes 2-6 weeks; the permit is renewed yearly up to the contractual limit. You must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. Full-time remote work from Italy is not compatible with the status.
13th-month salary, vacation and overtime: what does Swiss law say?
The 13th salary is not statutory but is standard practice in Ticino and almost always specified in the contract: paid in December or split into two tranches (June + November). Minimum statutory holiday is 4 weeks (5 weeks for under-20s and over-50s with seniority). Overtime above 40-45 weekly hours, under the Labour Act (LL), is compensated with a 25% premium or equivalent time off within 14 weeks.
What documents do I need to apply for a Swiss job?
For the initial application: CV (European or Swiss format, in a cantonal language), cover letter, and a recent work certificate. After the contract is signed: valid ID card (passport recommended), Italian residence certificate, birth certificate for the G-permit filing, and — for regulated sectors (healthcare, schools, security) — recognition of the Italian degree by SBFI/SEFRI or the relevant cantonal authority, a process that takes 3-6 months.

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