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Raphael Vullierme

Founder of Luko

New York, New York

Overview 

Raphael Vullierme is an accomplished entrepreneur and co-founder of Luko, which was successfully integrated with Allianz Direct. He has a strong background in business strategy, financial analysis, and project management, with a track record of founding and leading successful start-ups in industries such as e-commerce and luxury goods. Vullierme's career highlights include leading Luko to a successful exit and integration with Allianz Direct, as well as founding and heading goodfood, showcasing his expertise in entrepreneurship and strategic leadership in the start-up ecosystem.

Work Experience 

  • Vice chairman of the Supervisory Board

    2022 - Current

    Luko insurance A.G. formerly Coya AG, a fully licensed P&C German insurer, regulated by BAFIN (Federal Financial Supervisory Authority) and acquired in 2022 by Luko Group.

  • Allianz | Exit & integration

    2024 - 2024

    Acquired by Allianz Direct Versicherungs-AG

  • Co-founder & CEO

    2016 - 2024

    From 0 to #1 Online Home Insurer in France - Over 35% market share of home insurance contracts sold online in France in 2022 (Oliver Wyman). - 500,000 insured customers across France, Germany, and Spain, >€110M in collected premiums since inception and €50M annualized premiums. - Customer satisfaction led growth, maintaining an NPS >70 and building a strong brand with 23% awareness and 90% positive sentiment. Bolstered organic growth by a vast network of over 200 third-party distributors and partners, including Total, Airbnb, Decathlon, Revolut, Leroy Merlin, and numerous banks, retailers, insurance brokers, and real estate agents. - Set industry benchmarks for operational efficiency, customer acquisition cost (CAC), and loss ratio (for a rapidly growing portfolio). - Executed two acquisitions, including a full-stack German insurer, and completed five sale transactions of group entities during restructuring following 2022 market turnaround. - Backed by EQT, Accel, Founders Fund, and Speedinvest.

  • Angel Investor & Accel Scout

    2021

    Active angel in Fintech/insuretech, Health, AI (enterprise), climate also Accel scout. Angel in Dock, Finary, Tomorro, Stoik, Orus, Benefiz, Corma, Crew, Silvr, Payflows, Evy, Flitter, Hestia and more...

  • Luko Integration

    2024 - 2024

  • CEO

    2015 - 2016

    OpenJet is the only real-time booking platform for private jets. A SAAS enabled marketplace connecting supply from certified private operators to traveler from various channels including GDS (Amadeus, Sabre), TMC, concierges and direct booking on openjet.com Took over the company when it was a .ppt + a CTO. Raised >2M€, built a team of 23 between Paris, NYC and Luxembourg. Up to 120k€ in Monthly Recurring Bookings, 3 months after platform launch.

  • Global Rollout Manager

    2014 - 2015

    Launching eatfirst.com venture worldwide.

  • Co-founder & CEO

    2014 - 2014

    Goodfood is the first french on-demand gourmet meal delivered within 30 minutes to your table. We believe that eating fresh and healthy food should be as simple as 3 taps on your smartphone. On your way back home, just open goodfood app and choose from two fresh and delicious meals crafted by our chef. Thanks to our daily rotating menu, eating good food every day has never been so easy. Our iphone app will be released in August. Stay tune!

  • Procurement Intern

    2012 - 2013

    Within the procurement department and in collaboration with gemologists, production planners and haute joaillerie project managers I've delivered a global planning process on gemstones supply : • Carry out a strategic workload/capacity study on lapidary activity (gemstones cut) • Setting up new decision committees and tools to monitor and drive gems supply • Participate in several others projects to improve operations on diamonds and gems procurement

  • Financial Services - Trainee

    2011 - 2011

    Finance Project for AXA group : deployment of Common European finance solution for financial accounting and reporting according to Solvency II • In charge of Accounting Objects Migration and deployment of Assets, Customers and Vendors. • Monitoring of the change process. • Assistance to the Accountant and Financial Controller. • Management of off-shore resources (Bangalore, India). European Project in english language as part of an international team.

Accenture Ventures is a venture capital firm arm of Accenture, delivers innovative solutions with strategic partnerships and investments.

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