cluster manager

Kshema; Kapurthala; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Kapurthala-based Kshema General Insurance Limited invites applications for the role of Regional / Cluster Sales Manager/Area Manager. You will lead bancassurance relationships with banks across the region, translate central strategy into branch and field execution, and drive regional business performance.

The ideal candidate holds a recognized degree, has insurance or banking sales experience, and is willing to travel extensively to manage relationships, activation, and performance reviews.

Qualifications

• Graduate from a recognized institution.
• Experience in insurance, banking, bancassurance, rural distribution or financial-services sales preferred.
• Team-handling experience strongly preferred.
• Ability and willingness to undertake substantial field travel.

Responsibilities

• Own day-to-day relationship with the Bank Regional Office and engage RO Head and officials.
• Translate regional targets into branch/cluster plans and maintain regional pipeline visibility.
• Activate branches and monitor FOS productivity with field coaching and joint visits.
• Coordinate with Account Manager, Bank RO, branches and field organization for timely issue resolution.
• Monitor MIS: daily activity, weekly performance, regional funnel and branch activation tracker.
• Ensure compliant product communication and customer engagement across the region.

Skills

Insurance sales

Banking

Bancassurance

Rural distribution

Sales experience

Education

Graduate from a recognized institution

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 — Regional / Cluster Manager/ Area Manager

Job Identification

Job Title Regional / Cluster Sales Manager/ Area ManagerBancassurance

Function Bancassurance / Distribution

Department Growth

Role Purpose

The Regional / Cluster Sales Manager is the regionalexecution owner for the Bank bancassurance relationship. The role translates the central account strategy intomeasurable branch and field execution across the assigned Regional Office. The Regional Manager is accountable for regional businessperformance, branch activation, FOS productivity, bank-employee engagement,pipeline management and resolution of local execution issues. The role serves as the operational bridge between theAccount Manager, Bank Regional Office, branches and Kshema's fieldorganization.

Key Responsibilities

A. Regional Bank Relationship

• - Own day-to-day relationship management with the assignedBank Regional Office.
• - Develop effective engagement with the RO Head and relevantofficials.
• - Conduct structured regional performance reviews.
• - Obtain appropriate support for branch activation andapproved business initiatives.
• - Escalate account-level matters to the Account Manager.

B. Regional Business Planning

• - Translate allocated regional targets intobranch/cluster-level plans.
• - Segment branches by opportunity.
• - Identify priority, dormant, developing and high-potentialbranches.
• - Develop crop-season activity plans.
• - Maintain regional pipeline visibility.
• - Plan FOS allocation based on opportunity and travelfeasibility.
• - Develop corrective plans for underperforming branches orterritories.

C. Branch Activation & Productivity

Maintain visibility of:

• - Total branches
• - Activated branches
• - High-potential branches
• - Low-performing branches
• - Establish intervention plans for each majorsegment.
• - Ensure branch activation translates intosustained productivity rather than one-time activity.
• - Allocate branches and territories to FOS.
• - Define daily and weekly activity plans.
• - Review branch visits and customer activities.
• - Conduct regular field coaching and joint visits.
• - Monitor pipeline quality and conversion.
• - Identify productivity gaps.
• - Maintain appropriate attendance and fielddiscipline.
• - Escalate manpower or performance issues whenrequired.

E. Bank Staff Engagement

• - Build working relationships with Branch Managers.
• - Engage relevant branch employees.
• - Conduct approved product and process briefings.
• - Encourage appropriate lead referral and customeridentification.
• - Communicate approved campaigns.
• - Resolve field-level implementation issues.
• - Recognize and replicate successful branch practices wherepermitted.

F. Business Funnel & Conversion Management

Monitor the complete regional funnel:

Track:

• - Quotes
• - Policies issued
• - Conversion ratio
• - Pending cases
• - Require clear reasons for significant drop-offor pending cases.

Coordinate and supervise:

• - Farmer awareness programmes
• - Village-level outreach where appropriate
• - Branch/customer camps
• - Seasonal agricultural campaigns
• - Ensure only approved product and communicationmaterial is used.

H. Operations & Service Coordination

Coordinate local resolution of:

• - Pending cases

**Technical decisions remain with authorized Operations,Underwriting and Claims teams.

I. MIS & Performance Reviews

Maintain:

• Daily FOS activity report
• Weekly branch performance report
• Regional sales funnel
• Branch activation tracker
• FOS productivity tracker
• Training tracker
• Issue/action tracker
• Monthly business review
• Ensure data quality rather than merely report submission.

J. Compliance

Monitor branch and FOS execution for:

• Accurate product communication
• Customer consent
• Ethical selling
• Compliance with bank and insurerguidelines

Cluster Sales Manager/ Area Manager should be resultoriented and should be striving for appended outcomes:

• Regional Business Delivery Regional target achievement
• Branch Activation High active/productive branch penetration
• FOS Productivity Productive and disciplined fieldorganization
• Bank Engagement Strong Regional Office and branch relationships
• Sales Funnel Healthy lead flow and conversion
• Renewal Strong eligible renewal conversion
• Service Timely issue resolution
• Compliance Quality and compliant sales
• MIS Accurate and timely regional visibility

Qualifications & Experience

Graduate from a recognized institution.

Experience in insurance, banking, bancassurance, ruraldistribution or financial-services sales preferred.

Team-handling experience strongly preferred.

Ability and willingness to undertake substantial fieldtravel.