Banca Relationship Manager

Kshema; Kapurthala; On-site; INR 300,000 - 420,000; Full time

Job summary

Kshema General Insurance Limited in Kapurthala invites applications for a Field Sales Officer (Bancassurance). You will work with bank branches to convert partnerships into branch activity and customer business, generating leads and guiding customers through proposals and documentation.

Ideal candidates have graduate background, strong local-market experience, and willingness to travel across the territory.

Qualifications

• Graduate preferred.
• Strong local-market experience in relevant territory.
• Prior sales experience in insurance, banking, agriculture or rural distribution preferred.
• Local-language capability highly desirable.
• Willingness to travel extensively within the assigned territory.
• General-insurance awareness and basic crop insurance understanding.

Responsibilities

• Visit assigned PGB branches and build productive relationships.
• Identify branch opportunities and maintain an accurate lead pipeline.
• Assist customers with proposals, documentation, and process compliance.
• Drive bank staff activations, referrals, and campaign material usage.
• Engage in crop-insurance activities aligned with calendars.
• Ensure daily execution discipline: CRM updates and reporting.
• Maintain customer service focus with clear, consent-based selling.
• Ensure adherence to compliance, data privacy, and brand guidelines.

Skills

Local-market experience

Travel willingness

Sales experience in insurance/banking

Local language capability

Agriculture knowledge

Education

Graduate preferred

Job description

Kapurthala, India | Posted on 10/05/2026

Kshema General Insurance Limited (Kshema) was established in 2018 and is India's only Digital Agri Insurance Company catering to farmers/cultivators in the Agriculture Sectors. Kshema enables cultivators with resilience from financial distress due to extreme climate events and perils through localised insurance products. Kshema is leveraging Technology to provide cutting edge insurance solutions to farmers.

Kshema has a pan India presence with more than 500+ employees on roles along with 500+ employees as contractors.

Job Description

Job Description — Field Sales Officer (FOS)

Job Title: Field Sales Officer - Bancassurance

Function Bancassurance / Field Distribution

Primary Bank Counterpart Branch Manager and branch employees

Primary Customer Segment Relevant PGB customers including rural and agricultural customers

Role Purpose

The FOS is the ground-level execution owner responsible forconverting the Bank -Kshema partnership into actual branch activity andcustomer business.

The role works directly with assigned Bank branches, branchemployees and eligible customers to generate leads, conduct customerinteractions, facilitate proposals, support documentation and drive compliantconversion.

The FOS is expected to maintain disciplined branch coverage,follow-up and reporting while providing customers with accurate information andhigh-quality service support.

Key Responsibilities

A. Assigned Branch Management

• Visit assignedPGB branches according to an agreed beat plan.
• Build effectiveworking relationships with Branch Managers and relevant employees.
• Keep branchpersonnel informed about approved products and campaigns.
• Identifybranch-specific customer and business opportunities.
• Maintain regularbranch presence.
• Track branchleads, pending cases and conversion.
• Generate leadsthrough appropriate bank referrals and approved branch activities.
• Follow upreferred customers promptly.
• Maintain anaccurate lead pipeline.
• Record leadsource and current status.
• Revisit pendingleads systematically.
• Understand the customer's insurance requirements.
• Explain approved product propositions clearly.
• Explain material coverage, exclusions and relevant productterms accurately.
• Assist customers with the proposal/application process.
• Facilitate required documentation.
• Answer customer questions within authorized scope.
• Escalate technical questions when appropriate.
• Customer engagement must be based on clarity, consent andsuitability rather than pressure selling.

D. Business Conversion

• Maintain individual visibility of:
• Leads
• Proposals
• Premium
• Conversion percentage
• Pending cases
• Renewals
• Drive systematic follow-up through each stage of the funnel.

E. Crop Insurance / Seasonal Activity.

• Align field activity to cropcalendars.
• Participate in approvedfarmer-awareness programmes.
• Conduct approved branch/customercamps.
• Increase customer and branchengagement during high-opportunity agricultural periods.
• Provide field intelligenceregarding customer requirements and market conditions.

F. Bank Staff Activation

• Conduct regular engagement withassigned bank employees.
• Provide short approved productrefreshers.
• Encourage appropriate leadreferrals.
• Support bank personnel duringcustomer discussions where required.
• Share only approved sales andcampaign material.
• Follow up on referred leads andprovide status feedback to the branch.

G. Customer & Service Support

• Assist customers with:
• - Documentation follow-up
• - Policy-status follow-up
• - Claim-intimation facilitation
• - Escalation to appropriate Kshema service teams

** The FOS may facilitate a claim or claim intimation butmust not make any representation regarding claim admissibility or settlementunless specifically authorized to communicate an approved decision.

H. Daily Execution Discipline

• Maintain:
• -Daily activity report
• -CRM/system updates
• -Reporting to Regional Manager

I. Compliance & Customer Conduct

• The FOS must adhere to the following non-negotiableprinciples:
• No false commitments.
• No fabrication or alteration ofcustomer data.
• No guarantee of claim settlement.
• No use of unapproved salesmaterial.
• Accurate disclosure of productterms.
• Customer consent must be obtainedthrough approved processes.
• Customer information must behandled confidentially.
• Documentation must be accurateand complete.
• Bank and Kshema guidelines mustbe followed.

Qualifications & Experience

• Graduate preferred.
• Suitable candidates with strong local-market experience maybe considered subject to Kshema HR policy.
• Prior sales experience in insurance, banking, financialservices, agriculture, rural distribution or related sectors preferred.
• Local-language capability highly desirable.
• Familiarity with the assigned geography preferred.
• Willingness to travel extensively within the assignedterritory is essential.
• General-insurance awareness
• Basic crop/agriculture insuranceunderstanding