Cluster Manager EM - Emerging Market - K...

Aditya Birla Group; Ludhiana; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Aditya Birla Health Insurance Co. Limited (ABHICL) seeks a Cluster Manager EM for Emerging Markets in Punjab with 4–13 years of experience. The role focuses on sales, marketing, and recruitment leadership to grow ABHICL's presence in health insurance across emerging channels.

The position requires strategic stakeholder engagement, channel partnerships, and driving revenue growth in a competitive Indian health insurance market.

Qualifications

• Experience in sales, marketing and recruitment roles is preferred.
• Strong leadership and communication abilities are essential.
• Ability to manage teams and drive initiatives across channels.

Skills

Sales & Marketing Skills

Team Handling

Advisor Recruitment

Recruitment

Leadership and communication skills

Education

Post Graduate

Graduate

Job description

Cluster Manager EM - Emerging Market - K...

ABG109818

• Financial Services
• Punjab

Posted On 14 Aug 2026

End Date 10 Feb 2027

Required Experience 4 - 13 years

Basic Section

No. Of Position 1

Grade 11

Organisational

Country India

Skills

Skill

Sales & Marketing Skills Team Handling Advisor Recruitment Recruitment Leadership and communication skills

Post Graduate Graduate

Job Description

About the Health Insurance Industry –

While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalised service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them.

Market Opportunities – With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as ententions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company.

About the Aditya Birla Health Insurance –

Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016.

ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6 th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of "Health Insurance for All", a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customer’s experience of our proposition is continuous and seamless.

ABHI’s unique offering to market includes proposition includes -

• A Comprehensive Incentivized Wellness Program that will attract the young and health conscious and will motivate, guide and reward them to stay healthy
• A Chronic Care Management Program to cater to the unmet needs of a growing Indian population of those suffering from chronic lifestyle conditions like Diabetes, Asthma, High Cholesterol and Hypertension from Day 1
• ABHICL serves as an enabler and influencer of health and healthcare choices that customers make, in addition to being a payer of healthcare expenses. Thus, ABHICL would act like a much needed catalyst to grow the prevalent health insurance landscape in India through product innovations and a wider choice of consumer relevant products.
• ABHICL’s vision has always been digital. The company has been successful in adopting paper-less approach right from identifying to on-boarding to delivering seamless experience of its customers & employees.

Distribution reach will be the key to future growth acceleration for insurance companies as existing geographies get saturated and the focus shifts to new under penetrated geographies.

Effective distribution reach into newer geographies, alternate distribution channels, innovative products, targeting