Howden Re Inspire: Meet Michelle To

Today we’re pleased to introduce you to Michelle To, Head of Business Intelligence as the next profile in our Howden Re Inspire series.

Under Michelle’s leadership, the Business Intelligence team supports client engagements in underwriting, reinsurance purchasing, credit risk, capital raising, and strategic planning. Michelle led the creation of industry-first platform Nova, which powers Howden Re’s data across more than 250 insurance carriers and integrates over 300 external data sources.

We are thrilled to announce that Michelle has been selected as one of Business Insurance’s 2025 Women to Watch EMEA. This award honours the achievements of outstanding female leaders in insurance and risk management, recognizing their contributions in the industry. We are proud that Michelle’s award acknowledges her exceptional leadership throughout her career and the accomplishments she and the Howden Re Business Intelligence team have over the past year.

“Though I began my career in financial analysis, my role today is as much about building digital products as it is interpreting numbers,” says Michelle. “My core focus is translating complex financial and market challenges into scalable digital solutions, reshaping how data is accessed, interpreted, and applied across the London Market.”

Each Howden Re Inspire profile is designed to highlight a member of our team who is a leader in inspiring people, careers, and community impact. Whether they’re forging a unique path in or outside Howden, or demonstrating what it takes to make a difference, we are proud to introduce you to the Howden Re team.